Residential Risk Analysis has been created in response to the numerous stories and attention brought to home purchases that have gone seriously wrong for buyers in the Post-earthquake environment of Christchurch.
Director, Melissa Heath, is a Qualified Insurance Professional and has spent the last nine years in the Insurance industry. Having worked for New Zealand’s largest insurer, she has extensive experience in examining fraud and investigating complicated claims. An investigator by nature, Melissa is an able researcher and has skills in locating required information for completing her analysis of any project in front of her.
For the last seven years she has had intensive hands-on experience in Disaster Recovery and led teams settling the incredibly complex Shared Property claims following the Christchurch Earthquake Sequence, which included picking apart the unending challenges of Multi Unit Building ownership and relationship issues, pioneering new ways of settling claims and liaising with Governmental and private agencies as well as working pragmatically with other insurance companies.
After the Kaikoura Earthquake, Melissa was sent to the badly affected South Marlborough region to initiate contact with isolated policy holders and to develop contacts with council, non-profit support organisations, Loss Adjustors and other suppliers to ensure an improved customer outcome for policy holders. She spent five weeks in the area immediately after the event, getting a thorough understanding of the needs and issues facing the residents. She subsequently led the team taking care of the Marlborough/Nelson region for the Kaikoura event.
It was during the settlement process for this event that the dire outcomes of underinsurance and how easy it is to be underinsured, hit home for Melissa, driving her to do something about it and help prevent heartache for other home owners and potential buyers.
During these seven years of experience, Melissa identified shortfalls in protections available to buyers hoping to buy properties in the post-earthquake climate; and the consequences of these hapless purchases. It was quite apparent that there was little or no help for buyers negotiating their way through a changed real estate landscape.
She is aware of instances where information has been withheld from prospective buyers and after overseeing and settling thousands of claims, she is able to identify whether information provided is appropriate and complete. Additionally, she has access to multiple databases which can give a very good overall understanding of just about any property in Christchurch or New Zealand.
With a wide and encompassing understanding of geotechnical and structural reports and ability to source relevant information about properties, and personal involvement in many of the damaged homes of Christchurch, Melissa and her team are in position to assist house buyers with their necessary due diligence; providing data that may otherwise be missed and raising any insurance concerns that may be present; in the search for buying the right house.