School Building Insurance Funding Programme

• The Programme coversBeing covered by the School Building Insurance Funding Programme
• Making a claim and managing the damage after an incidentMaking a claim
• The Programme doesn't coverDoing urgent repairs
• Paying for damage not covered by the ProgrammeUsing emergency response coordinators for substantial repairs
• Doing small, low cost repairs
• Things to know when repairing damage
• What the School Building Insurance Programme won’t cover

The Being covered by the School Building Insurance Funding Programme covers

• fire
• water – from a sudden problem including a burst pipe or sprinkler
• earthquakes, including events that happen following an earthquake, such as fire or a tsunami
• extreme weather like storms, heavy snow, gales, lightning strikes and floods
• lost or stolen keys (up to $50,000).

The funding can only be used The Programme pays for:

• repairing school buildings owned by the Ministry
• replacing actual square metres lostnet space up to what’s specified in the School Property Guide (SPG) funding programme
• demolishing damaged buildings, including those not eligible for replacement under the SPGbuildings
• costs, such as consultants’ fees, that are part of the repair or replacement project. project.

You might also be covered for ‘consequential costs’. These are costs that you might have to keep the school running such as providing:as:

• transport to get staff and students to another place for classes
• temporary services like toilets or electricity generators
• barriers or panels to provide safe access to the school.school
• urgent or temporary repairs.

How the Programme worksBeing covered for jointly owned property paid for by community groups or the board of trustees

Making a claim and managing the damage after an incident

• closing offa flood from a burst pipe to prevent flooding
• patching roof damage from a storm to stop water entering the building.power surge that damages wiring
• rats chewing through wires – however any fumigation costs must be covered by you.

If you need to do urgent repairs, you will need to do an emergency procurement to engage people to do the work. Contact your Ministry property advisor and get verbal approval to advise them ofgo ahead with the damage, get their advice on howprocurement. Leave a message if we are not available to handle ittake the call, such as in the weekend and apply for Programme funding. Iffollow this up with email confirmation. We will let you get the work done before talkingknow if you can go ahead.

You will then have to them, your funding request will be declined.follow our emergency procurement process .

When doingFor substantial urgent repairs:

• talk to your property advisor about whether you need to call in the emergency response coordinator
• keep repairs to essential work to keep the school open and stop further damage
• take photos showing the damage and the repairs
• keep a record of all the work and keep all invoices – you will need this to get funding under the Programme provided the total repair work meets our criteria.

Get non urgent repairs done

When we calculate the total cost of repairs we include:

• any emergency repairs already done
• your project manager’s fees
• the cost of the work.

Repairs from $2,501.00 to $9,999.99

You can organise the work yourself if it is minor work like replacing damaged carpet.

You don’t need any quotes for work under $10,000. You can just contact an appropriate contractor, or you can use an emergency response coordinator to organise it for you. 

A loss adjuster may need to be involved if the total cost may go over $10,000, if a professional opinion could be needed or it might be possible to recover costs from another party. We can adviserepairs, you about this.must contact an emergency contractor.

Each local Ministry office has a contract for emergency response coordinators in its area. EitherFor all non-urgent repairs, the emergency response coordinator will either be contacted by you, your local property advisor, the Fire Service or the Police can contact them if you need their services. They are available at all times.
Go to the list of emergency response coordinators in your area .

The emergency response coordinator:

• coordinates the response effort with emergency services
• does an inspection and arranges any urgent work to get the school functioning as quickly as possible
• organises emergency accommodation, security and safety at the school, if neededneeded.
• prepares the scope of work in liaison with you, your project manager, property advisor and loss adjuster.

We have a national contract for loss adjuster services. We will call in a loss adjuster to:if the claim is for more than $10,000 and it might be possible to recover costs from another party. The loss adjuster will:

• investigateinspect and record the causedamage and confirm thatinvestigate the loss is covered by the Programmecause
• meet with you to identify risks and hazards, and review any security measures taken by the emergency response coordinator or your project managerrecommend what to do to manage them
• review the scope of work prepared by the emergency response coordinator and estimate remedial costs (for tendered work, the building plans must be developed with, and approved by, the loss adjuster before work can start).
• act as an auditor for your claim.

If the remedial workdamage is approved undercovered by the Programme, you must start the work within one year or the project budget will be withdrawn. Contact year. If this is not possible, you must contact yourlocal Ministry office to apply for an extension if you can’t start within the year.extension.

YourIf the work is not started within one year and there is no extension, the project manager:budget will be withdrawn.

You don’t have to rebuild exactly what was there before. Many older styleolder-style buildings aren’t suitable as an innovative learning environmentfor modern teaching and can be updated.

The What the School Building Insurance Funding Programme won'twon’t cover

• damage to contents (see contents insurance page)
• the normal movement of the building on its foundations
• natural bulging of the land, or ground heave, unless it was caused by a ‘convulsion of nature’
• damage from gradually developing causes like mould, mildew, rust, corrosion or the natural movement in building materials
• smoke, fumes, dust or gas, unless the damage comes from a sudden event, like fire
• bad workmanship, materials or design but resultant damage may be covered
• leaky buildings – see weathertightness failure for more information on our leaky buildings Programme .
• damage arising from poor maintenance – the amount you receive under the Programme will be based on how much the repair costs would have been if the property had been properly maintained; when in doubt, this will be decided by a loss adjuster
• damage to machinery where it’s broken down (but fire/explosion damage resulting from the breakdown would be covered)
• damage to land, trees , shrubs, crops, lawns, grassed areas, gardens
• damage to paths, driveways, playgrounds or tennis courts, paving, roads or asphalt
• damage to residential property, like teacher houses
• damage to fences or retaining walls that are not an integral part of the building
• damage to covered ways that are not an integral part of the building
• damage to services like water, sewerage, gas, data supply and electricity where it is more than 3 metres from a building
• damage to swimming pools and associated buildings and infrastructure
• damage to caretakers’ and groundsmen sheds, tractor sheds, equipment sheds, sports pavilions and pump houses
• damage to board or community funded buildings
• damage from vandalism – other than arson; see vandalism fundingweathertightness failure for more information about repairing this type of damage .on our leaky buildings Programme.

Further information on what is or isn't covered Cover for trees

Trees - damageDamage to trees is not covered by the Programme. However, if trees cause damage, for example, ifthrough a branch fallsfalling on a building during a storm, the Programme may cover the damage to the building. Make sure you keep your trees well trimmed so this is less likely to occur.

Damage from power failure - damageDamage to electrical infrastructure such as cabling that’s within 3 metres of a building is covered. But damage from power failures is not covered.

Pay for damage costing less than $2,500$2,000 using your operational fundingoperational funding .

To pay for damage over $2,500 but not covered by the Programme, use your 5 Year Agreement funding5 Year Agreement funding , but only if the property is owned by the Ministry. If you don’t have enough 5YA funding to cover the damage, talk to your local Ministry office .