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Auckland floods: Rescued pensioner furious after insurance company demands photo of wrecked car

  • March 6, 2023

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A 71-year-old pensioner who was rescued from rising floodwaters is outraged at her insurance company after being told she had to provide photographic evidence of her wrecked car to receive an immediate payout.

Stephanie, a resident of the Alma Court Village in Milford on Auckland’s North Shore, was rescued from her home after Auckland’s unprecedented rainfall on January 27 caused a nearby river to overflow and flood multiple properties and surrounding streets.

But after being plucked to safety she faced a new headache when her insurance company, AMI, told her it was company policy to have photographic evidence for flooded vehicle claims and that failure to do so meant they could not make an immediate payout.

AMI yesterday afternoon said it had reviewed her claim and agreed to settle. It apologised to her for the experience.

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Stephanie with her Toyota RAV4 car that was damaged in the flooding. Her insurance company wanted photographic evidence of damage before paying out on her claim. Photo / Adrian Blackburn
Stephanie with her Toyota RAV4 car that was damaged in the flooding. Her insurance company wanted photographic evidence of damage before paying out on her claim. Photo / Adrian Blackburn

“I was standing on my bed with water lapping around it and waiting to be rescued, how on earth was I supposed to take a photo of my car? That’s the last thing I was thinking about,” she said.

Stephanie said AMI claimed it would need to tow the car away for assessment, delaying any payout by at least 10 days and possibly longer because of the number of flood-related claims.

“The minute we stepped out the door the water was almost up to my neck. What was I supposed to

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