I was ashamed and embarrassed a few nights ago. I was lying alone in bed listening to talk back radio (as my wife was in hospital) and heard a woman from Christchurch talking to host Kerre Woodham about how she had not had any response from EQC or anyone else since the first earthquake. The bottom of her Kaiapoi house was basically destroyed and she was at her wits end. She was crying and pleaded “I need help”. Kerre handled the situation extremely well, took the woman’s number and said they would do what they could to help her offline.
Then a couple of nights ago I watched TV3’s Campbell Live which interviewed loads of Christchurch residents who were in a similar situations and trades people who were going broke providing plumbing and drainage and other services on behalf of EQC, but had not received any payment from them in some cases dating back to last year’s first quake in September. The head of EQC tried to tell him that they were doing everything they could, but tried to say that it was the worst incident in the world since EQC was founded in 1947, then he said the worst in NZ.
I don’t give a damn how bad it was, that is why NZ taxpayers have been paying EQC levies for years. The whole point of having such an organisation is to ensure that when the inevitable disaster occurs, the country is prepared in every way. This includes experts to evaluate damage, the capital and resources to ensure repairs are made as quickly as possible, no excuses. It doesn’t matter that there was more than one quake, this is what we paid for. So where has the money gone that we paid all these years?
It has been well known by Civil Defence, Police, Health Services and others that it is not just about repairing buildings and digging up liquifaction, its about the people and nothing seems to be happening. Behind closed doors there is talk about increased use of drugs and alcohol, increased domestic violence, people freaking out every time there is another after shake. People don’t know what to do. They can’t leave their broken homes because they have mortgages on them and of course no one wants to buy them.
What we have is a quite unique situation in that we have an enemy we can’t see, situations we can’t predict and the Government and Insurance organisations simply are not prepared. We can’t deal with the physical manifestations and I don’t think we know anything about dealing with the human emotions. Even in the military you know who your enemy is and you can pull out. You have at least a feeling that there is someone in control and whilst they haven’t always been great in dealing with PTSD, they recognise it and have systems in place.
Recently I listened to an excellent Harvard Business Review Ideacast podcast with Martin Seligman, director of the Positive Psychology Center at the University of Pennsylvania and author of the HBR article Building Resilience. He is also the author of Flourish: A Visionary New Understanding of Happiness and Well-being. He spoke of a new program that they had been working on with the US military, which had amazing results with their soldiers. It was heartwarming. Unfortunately the full report has yet to be released to the US Government, but the anecdotal reports were amazing. This should be something that the NZ Government needs to be looking into.
I look back to the first news coverage where Christchurch Mayor Bob Parker and Christchurch Cathedral Dean Peter Beck were saying the bricks and mortar can be replaced, but its the people that matter. Well herein lies my problem. We aren’t even dealing effectively with the buildings. We are hardly touching the broken people! They can only be staunch for so long and if we don’t help them very soon, we are going to have a generation of traumatized people.
So I say to the Government, to EQNZ, to the city councillors, to my fellow Kiwis: This isn’t good enough. No more excuses. We have paid our taxes for years, in good faith expecting that the money would provide for resources and expertise when they were needed. We were told the big one would come and we would be ready. If you can’t deal with it, bring in people and resources who can. We aren’t the only country to have disasters, they happen all over the world, many much worse than Christchurch. Have the grace to accept you don’t know how to deal with the situation and find people who can.
If you can’t do that, its election year and you will have to fall on your swords and we will find others who can. The current situation may not be man made, but our response to it is a disgrace. Kia Kaha Christchurch. Thanks to the media for making us more aware of what is and isn’t happening. Maybe now we need to tell the world stage that we are not coping and we need specialist help.
Have a read of the comments left on Campbell Live’s Facebook Page. This tells the story that our Government departments are not addressing or are trying to minimize. The situation is not under control and it is not just a few people who haven’t been seen to yet. This is a crisis. What are you going to do John Key? The Rugby World Cup will not be enough of a distraction.
First there were several people who had inadequate insurance in Christchurch. I have no idea what the situation is in Japan, but I understand that some of the worst hit were apparently poor communities illustrated by the ease with which the tsunami washed away the houses.
I think the first thing goes back to my previous blogs on preparation lessons, the aftermath and getting your household ready. The Earthquake Commission is there to help after a natural disaster which isn’t covered by normal household insurance. But the scope was huge. They had over 440,000 claims and even in dealing with those, their liability is up to a maximum of $100,000 for dwellings and $20,000 for personal property. Try building a house for $100,000 or replacing even your basic possessions including appliances, furniture, clothing etc for $20,000. Some people will pretty much walk away with nothing.
Now insurance itself is a risk game and they take our premiums on the expectation that for a large number of people they will never have to pay out. Now I haven’t seen the financials for EQC, but I suspect that most of the money has gone into running the organisation over the years, especially given that after the event John Key says that the government may have to treble the levy in our taxes for future incidents. Does this mean that we are now going to start to pay for what happened, borrowing from the future because the funds weren’t there? Are wee robbing Peter to pay Paul?
We always knew a major disaster looming. Of course we thought it was most likely to happen in Wellington. It hasn’t, which of course doesn’t mean it won’t because Christchurch and Wellington are on different fault lines. But I would have thought with years and years of taxes and no major incidents, EQC would have been flush with funds.
Anyway, back to the present. If you don’t have adequate insurance to cover everything, think again and do what you can, even if money is tight, things could get a whole lot worse. I hate insurance. I was once asked to do a whole lot of psych tests by an insurance company who thought I would be a star life sales person. The idea of selling life policies to my friends was anathema but I loved tests, so I spent a whole day doing the tests and they came back apparently saying I would be hugely successful. I declined despite the offer of a big package. Today I wonder if I should have taken the money, because I better appreciate the importance of insurance. It’s a gamble by both parties, both hoping we will never be in a position to need the cover.
I have life, income protection, health, car, house and contents policies and it eats up a lot of money. So far the insurance companies have enjoyed a lot of meals from my table, but if something major did happen, I feel secure that if my company closed for 6 months because its buildings ceased to exist, if I was injured or ill long term, or if my house washed away in a tsunami, I could rebuild. As the Dean of Christchurch Cathedral said, its the people that matter, the church can be rebuilt.
One concern I had with the aftermath was seeing people throw away their household appliances, carpets, furniture etc and wondering how they would be able to prove what they had lost. The share scale meant that many people had to do that, but it does show the value of having a list of your possessions and also photos. I once had a software app that did that, but never fully used it. Another thing to my be prepared list methinks.
So I recommend you grab a digital camera or video camera at least, so that you can go through each room and record your possessions and the state of your property, so that you will have proof in the unlikely event that you could need it. Then store the information somewhere safe. I used to keep my songs in safe deposit on video, with the bank, some people thought I was stupid, but again its just insurance.
Enough for now. I hope I’ve given you some more food for thought. Here’s some fond memories of mine of Christchurch a couple of years ago, with a song I am still writing.