Landlord s Certificate of Insurance

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Landlord’s Certificate of Insurance

INTERMEDIARY:

Crombie Lockwood (NZ) Limited

Level 2, PWC Building, 60 Cashel Street, West End P O Box 3020 Christchurch 8140

P +64 3 335 3060 F +64 3 339 5290

Client Name Client No Cover No

PMK Investments Limited 232-06Y0N 1533338-003-02

The Insurer % of Cover Insurer Policy No

Monument Insurance (NZ) Ltd as underwriting agent for:

IAG New Zealand Ltd 80 PLX8QV5R-3

Vero Insurance New Zealand Ltd 20 PLX8QV5R-3

Period of Cover From 26/02/2020 to 26/02/2021 at 4:00pm; Local Standard Time Policy Wording Crombie Lockwood Onesurance Landlord's Insurance Policy LLDONE2 DETAILS OF INSURANCE:

This is to certify that a contract of insurance has been arranged as described below. Unless otherwise agreed with your Crombie Lockwood broker the standard policy benefits apply.

Insured Name PMK Investments Limited

Home Location 103 Beckford Road, Opawa, Christchurch, 8023

Landlord’s Home Cover Selected Landlord’s Contents

Cover

Selected

HOME COVER SUMMARY

Year Built 1934

Home Total Sum Insured

$563,935 excluding GST

Yes Interested Parties Value

Name Southland Building Society

Address .

Interested As Mortgagee CONTENTS COVER SUMMARY Contents Total Sum

Insured

$10,404 excluding GST

Signed for an on behalf of the Insurer: Signature:

Name: Peter Holder

Position: Manager Onesurance

Level 4, Crombie Lockwood Centre 100 Beaumont Street, Westhaven, Auckland Private Bag 68910 Newton Auckland 1145 www.monumentinsurance.co.nz

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P +64 3 335 3060 F +64 3 339 5290 www.crombielockwood.co.nz

Client Reference: 232- 06Y0N

07 January 2019 Insurance Broker: Marg McLachlan

Mike & Kinga Palmer 319 Marine Drive Charteris Bay Christchurch 8971

Dear Mike & Kinga ,

YOUR INSURANCE RENEWAL-103 Beckford Landlords Insurance Renewal Your Personal Insurance package has been renewed from 26/02/2019 to 26/02/2020. CHANGE OF INSURER

Onesurance is currently underwritten by IAG New Zealand Limited. When your policy renews, your insurance will be with IAG Insurance New Zealand Limited and Vero Insurance New Zealand Limited. This change will not affect the cover under your policy or the way in which claims are handled.

LANDLORD’S HOME SUM INSURED

The Home Sum Insured has been inflation adjusted by your Insurer.

However the sums insured for any Retaining Walls, Recreational Features (tennis courts, swimming pools, permanent spa pools etc.) or Special Features shown on your schedule haven’t been adjusted due to the specialised nature and associated costs of rebuilding these items.

Please review and check all amounts on your schedule are sufficient to rebuild the home – remembering to allow for any alterations, additions or improvements made since last renewal, as these will increase the costs to rebuild the home. If you don’t make any changes, the amounts shown will automatically become the new Sums Insured.

LANDLORD’S OBLIGATIONS

Remember that there are some specific obligations in your policy wording that apply to you as a landlord which are important, as these may affect whether a claim is accepted or not.

These include requirements to:

• retain written records of the pre-tenancy checks

• complete inspections of your property at least every 4 months • keep records of each inspection

• monitor rent payments on a regular basis. PLEASE NOTE

In some cases, Meth contamination cover on tenanted properties was unlimited if a Methminder detection unit had been professionally installed on the property. While that cover is no longer available, your Onesurance Landlord’ s policy provides several options for Meth contamination cover and the amount of cover you currently have is noted on your schedule.

LANDLORD’S CONTENTS

The Contents Sum Insured has been inflation adjusted by your Insurer.

If you don’t make any changes, the amount shown will automatically become the new Sum Insured. PREMIUMS

Insurer’s costs for covering household insurance are increasing due to many factors including: • Increased costs of building.

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• Higher volume of claims.

• The increasing number and scale of weather related events.

These costs can’t be absorbed so insurers have had to increase their premiums accordingly.

Please remember that government charges for EQC and Fire Service levies also make up a large portion of your total premium.

If you have questions around your renewal premium, please call me as Onesurance has options you can choose from that may enable premium savings. These include:

• Choosing a higher excess.

• Removing or reducing optional benefits.

• Limiting or excluding drivers on your motor policy. • Monthly payment plan at competitive interest rates.

We aim to provide a breadth of cover and service that other insurance providers and products don’t. Our clients who have suffered losses have certainly appreciated the difference at claim time.

OTHER IMPORTANT POINTS YOUR ‘DUTY OF DISCLOSURE’

To ensure your insurance protection is not compromised, please remember to advise us if there’s anything your insurer would want to know about you or your insured assets that has changed since last renewal.

For example, if your home is unoccupied for more than 90 days, or changes in security arrangements; the usage of your home/contents; or criminal convictions, bankruptcy etc. This isn’t a complete list but shows the types of things your insurer needs to know.

POLICY WORDINGS

To obtain a copy of your Policy Wording, please visit www.crombielockwood.co.nz/policy-documents and enter the following codes into the search engine as required:

CODE: WORDING NAME:

LLONE1017 Crombie Lockwood Onesurance Landlord's Insurance Policy LLDONE1 PAYMENT

Settlement of the invoice should be made within 14 days of the renewal date.

We recommend payment is made directly into our ANZ bank account. The details are; Account number: NZD ACCOUNT 01 1839 0159564 00

Please use reference: 232- 06Y0N

Please note that we can offer premium funding to spread payments. Please phone us directly if this will assist you with payment or visit the website below.

We also offer payment by credit card, or we can provide you with a monthly premium funding quote online. These are available by visiting https://www.crombielockwood.co.nz/pay-online

Thank you for allowing us to provide you with Onesurance protection for those things that matter most to you. If you have any questions or need any explanations about your cover, please feel free to contact me.

Kind regards

Marg McLachlan Broker - Personal Lines Our Aspiration:

Through a commitment to understand your individual needs, we will earn your trust and through proactive advice and solutions, position you to financially survive any insurable event.

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07 January 2019

CANTERBURY F

REMITTANCE ADVICE

NZD

Total Invoice Amount

Client Name P www.crombielockwood.co.nz

Client Invoice

Invoice Details

Broker Invoice Date +64 3 339 5290 Amount Due Branch



Client Number

Crombie Lockwood (NZ) Limited Private Bag 68910 Newton Auckland 1145 Invoice Date 232-06Y0N +64 3 335 3060 ---NZD Marg McLachlan Broker $1,327.66 $1,327.66

Mike & Kinga Palmer 319 Marine Drive Charteris Bay Christchurch 8971

Client Number

Marg McLachlan

Mike & Kinga Palmer

Invoice Number

232-06Y0N

I02263466

Effective Date 26 February 2019

GST Number 87-749-657

In accordance with your instructions we have arranged placement of your insurance as detailed in the attached documents. The amount due includes brokerage and/or fee income for our services. Arrangements with insurers with whom your insurance is placed allow us to earn investment income from handling premiums (in accordance with the Insurance Intermediaries Act 1994).

The amount is due within 14 days of receipt of this invoice.

Invoice Number I02263466

Page 1

Cover Reference 1533338-001

GST Due Sub Total Due EQCover Levy NZ Fire Service Levy

Amount Due $817.28 $116.81 $220.40 $1,154.49 $173.17 Transaction Description

2019-20 Landlords Insurance Renewal-103 Beckford St

Reference Description Invoice Amount (incl GST)

Please pay into our NZD ACCOUNT 01 1839 0159564 00

Particulars

To pay by monthly instalments please contact your Crombie Lockwood broker.

232-06Y0N

Code

Reference

I02263466

<Your Name>

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LOCATION SUMMARY COVER OPTIONS

Level 2, PWC Building, 60 Cashel Street, West End

P O Box 3020 Christchurch 8140 P +64 3 335 3060 F +64 3 339 5290 www.crombielockwood.co.nz

Client Number 232- 06Y0N

Broker Marg McLachlan

Onesurance Landlord’s

The Insured Client No Cover No

PMK Investments Limited 232-06Y0N 1533338-001-02

The Insurer % of Cover Insurer Policy No

IAG New Zealand Ltd 80 PLX8QV5R-1

Vero Insurance New Zealand Ltd 20 PLX8QV5R-1

Period of Cover From 26/02/2019 to 26/02/2020 at 4:00pm; Local Standard Time Policy Wording Crombie Lockwood Onesurance Landlord's Insurance Policy LLDONE1 To obtain a copy of this policy wording please visit www.crombielockwood.co.nz/policy-documents and enter the following code in the search engine LLONE1017 or call us to arrange a copy to be sent to you.

Landlord’s Home Cover Selected

Landlord’s Contents Cover Selected

Actual Insured Name PMK Investments Limited Insured’s Date of Birth 13/09/1977

Home Location 103 Beckford Road, Opawa, Christchurch, 8023 Home Usage Tenants

Tenancy Occupancy Details

Is the home inspected internally and externally at least every 4 months by you or your property manager?

Yes

Who manages the property? Owner

Does more than one tenancy agreement operate at the property? No Is any part of the property ordinarily available for periods of less than 28

days?

No

Yes Interested Parties

Value

This schedule is to be read in conjunction with your policy. Please refer to the policy wording for the full terms, conditions and exclusions relating to this insurance.

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HOME COVER SUMMARY

Name Southland Building Society

Address .

Interested As Mortgagee

Home Area Total Dwelling Area 132 (sqm)

Total Garage/Outbuilding Area 24 (sqm)

Total Decking Area 12 (sqm)

Total Floor Area 168 (sqm)

Yes Pre 1935 Home Questions

Value Has all electrical wiring been replaced with TPS wiring? Yes

Has the home been completely reroofed? Yes

Has all plumbing been replaced with PVC or similar modern piping? Yes Has the home been completely re-lined with plasterboard or similar? No

Has the home been completely re-piled? No

What Heritage New Zealand Classification applies to the home? None What council heritage classification applies to the home? None Basis of Cover on Home Repair or Rebuild to the Total Sum Insured as shown below.

Home Sum Insured $532,014

Including the following policy limits: Retaining Walls $75,000 Recreational Features $75,000

Special Features Total $0

Total Sum Insured $532,014

This amount excludes GST which is payable in addition to the Total Sum Insured. You need to be satisfied this amount is sufficient to rebuild your home.

Special Features None advised No

Special Features – Important Note:

The Special Features below are automatically covered provided the replacement cost is less than the amounts noted. There is no cover for any such item that has a higher replacement cost unless it is specifically shown above as a Special Feature.

Private utility plant and associated equipment e.g. wind or water mills, diesel generators

$10,000

Bridge, culvert, permanent ford or dam $15,000

Well or bore hole including pump, lining or casing $25,000 The items below are not covered unless noted above as a Special Feature:

Cable car and associated equipment Wharf, pier, landing or jetty

Type of Home House Number of Self

Contained Units Insured 1 Year Built 1934

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LIMITS YOU’VE CHOSEN

OPTIONAL BENEFITS

POLICY DISCOUNTS

CONTENTS COVER SUMMARY

Total Sum Insured (GST exclusive)

$10,200 Security Details No Alarm Items jointly owned? No

The following items are covered up to the limits noted below Home Cover Only

Value

Landscaping $5,000

Increase Landscaping Limit to

Home Optional B enefits

Landlords Optional Benefits (Home Cover)

Value

Breakage Extension Not Taken

Home Replacement Guarantee Not Taken

Valuation Type Valuation Date Valuation Estimate

Methamphetamine Contamination $30,000

Sustainability Upgrade Included

Landlords Optional Benefits (Home and/or Contents Cover)

Value

Hidden Gradual Damage $2,500

Include Intentional Acts Included

Loss of Rent Not Taken

Increase Loss of Rent limit to

Rent Protection Not Taken

Weekly Rental Amount

Landlords Optional Benefits – Important Note:

Hidden Gradual Damage & Intentional Acts optional benefits only apply to the Home or Contents if those covers are shown as selected above.

Discounts

Text Value

Voluntary Excess - Home $850

Voluntary Excess - Contents $0

Multi Policy Discount Yes

Discounts Discounts

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g

Home Cover

Standard $550

Voluntary $850

Total $1,400

Excess on Methamphetamine claims $2,500

Excess on Natural Disaster claims for parts of the home not covered by the Earthquake Commission Act 1993.

$5,000 Contents Cover Standard $400 Voluntary $0 Total $400

Refer to the Endorsements and/or Clauses and General Comments sections as there may be other imposed excesses applicable to this cover.

Item.No Prints on S che dule and Closing 1

If the foundations of your home have suffered loss or damage and need to be upgraded due to the risk of earthquake or liquefaction, we will not pay more than we would have paid to repair or replace the foundations to their original specification prior to the loss or damage occurring.

Insurer Cover (%) Rating Agency

IAG New Zealand Ltd 80 AA- SP

Vero Insurance New Zealand Ltd 20 A+ SP

IAG and Vero have received the above financial strength rating from Standard and Poor’s (Australia) Pty Ltd, an approved rating agency.

The Standard & Poor’s financial strength rating scale is:

AAA (Extremely Strong) BBB (Good) CCC (Very Weak) AA (Very Strong) BB (Marginal) CC (Extremely Weak)

A (Strong) B (Weak) SD (Selective Default)

D (Default) NR (Not Rated)

R (Regulatory Supervision) Note: The ratings from “AA” to “CCC” may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.

The ratings scale above is in summary form. The full version of this rating scale can be obtained from the INSURER RATINGS

EXCESSES

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We sometimes pay a share of our remuneration to others who refer you to us. Remuneration is brokerage from insurers with whom your insurance is placed and/or fee income for our services.

If you have a personal insurance policy or are a small to medium (SME) business and your insurance policy is underwritten by a member of the Insurance Council of New Zealand (ICNZ), a new version of the Fair Insurance Code will apply from 1st_{January 2016.}

A list of ICNZ members and a copy of the Fair Insurance Code 2016 can be found at www.icnz.org.nz.

The insurance cover that has been arranged for you is based on the information you provided. Because that information is material to the insurer providing your insurance, you must advise any changes or any information that could affect the insurer’s acceptance of your insurance. If you don’t disclose or you misrepresent any material information your insurance could be invalidated and any claim may not be paid.

While your duty of disclosure applies before you take out an insurance policy or when you renew a policy, you should also advise us of any material change or circumstance if something comes to light during the period of your insurance. Examples of such disclosures could include structural alterations to a building, un-occupancy of insured premises, the installation of new equipment; a change in business operations or many other such changes.

Your duty of disclosure is crucial in maintaining your insurance protection. If you are unsure about any aspect of it please contact us for guidance.

DUTY OF DISCLOSURE REFERRAL REMUNERATION

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On July 1st_{2011 the Financial Advisers Act 2008 came into full force. The new Act requires all advisers to be registered with the}

Financial Service Provider Register government agency and to provide their clients with a Disclosure Statement. Below is required form of Disclosure Statement which is given in respect of any entity for which we provide advice to you.

Should you have any questions please contact me.

DISCLOSURE STATEMENT

Full name of financial

adviser(s): Paula Wilson David Arthur Marg McLachlan Lynne Hurford Gina Grainger Steve Daly Tuesa Toimoana Julia Wills Arlene de Lange Debbie Ryan Michelle Rich Sharleen Jordan Rebecca Lochhead Business Address: Level 2, PwC Centre

60 Cashel Street Christchurch

Trading Name: Crombie Lockwood (NZ) Ltd

Telephone Number: 03 335 3060 Fax Number: 03 339 5290

Email Addresses: paula.wilson@crombielockwood.co.nz david.arthur@crombielockwood.co.nz marg.mclachlan@crombielockwood.co.nz lynne.hurford@crombielockwood.co.nz gina.grainger@crombielockwood.co.nz steve.daly@crombielockwood.co.nz tuesa.toimoana@crombielockwood.co.nz julia.wills@crombielockwood.co.nz arlene.delange@crombielockwood.co.nz debbie.ryan@crombielockwood.co.nz michelle.rich@crombielockwood.co.nz sharleen.jordan@crombielockwood.co.nz rebecca.lochhead@crombielockwood.co.nz This disclosure statement was prepared on: 19 November 2018

It is important that you read this document

This information will help you to choose a financial adviser that best suits your needs. It will also provide some useful information about the financial adviser that you choose.

What sort of adviser am I?

I am a registered, but not authorised, financial adviser. I can give you advice about:

Risk and insurance products excluding investment linked insurance contracts as defined in the Financial Advisers Act 2008.

What should you do if something goes wrong?

If you have a problem, concern or complaint about any part of my service, please tell me or my manager so that I/my manager can try to fix the problem

You can also contact our internal Feedback & Complaints Committee (FCC) by emailing fcc@crombielockwood.co.nz. If we cannot agree on how to fix the issue or if you decide not to use this internal complaints process, you can contact Financial Complaints Services Ltd (FSCL) via:

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Phone: 0800 347 257 Fax: (04) 472 3728 Email: info@fscl.org.nz

Post: PO Box 5967 Lambton Quay Wellington 6145 This service will cost you nothing, and will help us resolve any disagreements.

How am I regulated by the Government?

You can check that I am a registered financial adviser at www.fspr.govt.nz. The Financial Markets Authority regulates financial advisers. Contact the Financial Markets Authority for more information, including financial tips and warnings. You can report information or complain about my conduct to the Financial Markets Authority, but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above (under What should you do if something goes wrong?)

Declaration

I declare that, to the best of my knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Advisers Act 2008 and the Financial Advisers (Disclosure) Regulations 2010.

Signature:

Paula Wilson Date: 19 November 2018

Signature:

David Arthur Date: 19 November 2018

Signature:

Lynne Hurford Date: 19 November 2018

Signature:

Marg McLachlan Date: 19 November 2018 Signature:

Gina Grainger Date: 19 November 2018

Signature:

Steve Daly Date: 19 November 2018

Signature:

Tuesa Toimoana Date: 19 November 2018

Signature:

Julia Wills Date: 19 November 2018

Signature:

Arlene de Lange Date: 19 November 2018

Signature:

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Signature:

Michelle Rich Date: 19 November 2018

Signature:

Sharleen Jordan Date: 19 November 2018

Signature:

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C:\Users\Mike\Documents\16013_PS4_Beckford.doc

Mike Wilton Consulting

34 Yaldhurst Rd,

P.O.Box 6160 Chch

Ph (03) 343 1220

Fx (03) 343 1225

BUILDING CONSENT N0:

PRODUCER STATEMENT - PS4 - CONSTRUCTION REVIEW

ISSUED BY: MIKE WILTON CONSULTING LTD (Suitably Qualified Design

Professional)

TO: MIKE PALMER (Owner)

TO BE SUPPLIED TO: CHRISTCHURCH CITY COUNCIL (Territorial Authority)

IN RESPECT OF: RELEVEL OF HOUSE FLOOR INCLUDING NEW TANAPILES TO TIMBER

FLOOR AREA & PACKING OF OTHER PILES TO SUIT & repair of cracks to PERIMETER FOUNDATION.

(Description of Building Work)

AT: 103 BECKFORD ROAD ., CHRISTCHURCH (Address)

MIKE WILTON CONSULTING has been engaged by UNDERFLOOR LTD

(Design Firm) (Owner/Developer/Contractor)

to provide DESIGN & SUPERVISION services in respect of Clauses B1 & B2 of the Building Regulations 1992 for the building work described in attached Site Inspection & house plan

. Appropriate inspections have been carried out during the course of the works copies of which have been retained on file and issued to the Contractor.

As a design professional, who is covered by a current policy of Professional Indemnity Insurance to a minimum value of $200,000.00, I have carried out periodic reviews of the work appropriate to the engagement and based upon these reviews and information supplied by the contractor during the course of the works I BELIEVE ON REASONABLE GROUNDS that X All Part only as specified in the attached particulars of the building work under the above building consent with respect to Clauses B1 & B2 of the Building Regulations 1992 has been completed to the extent required by that building consent.

Note House is Now suitable for BANK LOANS & INSURANCE. Note FLOOR LEVELS SATISFACTORY… see attached plan

... M. S. WILTON Date: 16 Feb. 16

(Signature of Qualified Design Professional)

B.E..CIVIL (1976) ERB.AERB Reg No. 7972 IPENZ

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UNDERFLOOR LTD Version 1 - DPSL

Contractor’s Producer Statement for Construction PS3

Site Address: 103 Beckford Road, Opawa

Author Name: Gary Collett

Author Company: Underfloor Ltd

Contract No.: Quotation No.: CH 1752

LBP Licence No.: BP129462

Preamble:

The Contractor is required to complete this Producer Statement for Construction PS3 Form and Issue it to PMK Investments Ltd.

This Producer Statement will be relied upon to confirm that the Building Works have, to best of the Contractors knowledge, been performed in compliance with the NZ Building Code.

Statement: I, Gary Fredrick Collett undertook or supervised the following building work and confirm that I am satisfied on reasonable grounds that the work performed is in compliance with the NZ Building Code and, where a Building Consent is applicable, in compliance with the Building Consent.

Description of the work covered by this statement: Claim Number: Private Works

Relevel dwelling as discussed.

Jack and Pack 42 Lm Ring Foundation Jack and Pack 29 Piles

Replace 2 Piles

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Memorandum from licensed building practitioner: Record of building work - 2011 1

Memorandum from licensed building practitioner:

Record of building work

Section 88, Building Act 2004

Street address: Suburb: Town/City: Postcode:

THE BUILDING

Name(s): Mailing address:

Suburb: PO Box/Private Bag:

Town/City: Postcode:

Phone number: Email address:

THE OWNER(S)

Building consent number:

THE PROJECT

Please fill in the form as fully and correctly as possible.

If there is insufficient room on the form for requested details, please continue on another sheet and attach the additional sheet(s) to this form.

103 Beckford Road

Opawa

Christchurch

8023

PMK Investments Ltd

19 Te Wharau Lane

Charteris Bay

Lyttelton

8971

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RECORD OF WORK THAT IS RESTRICTED BUILDING WORK

PRIMARY STRUCTURE

Work that is restricted

building work Description of restricted building work

Carried out or supervised

Tick If necessary, describe the restricted building work.

Tick whether you carried out the restricted building work or supervised someone else carrying out the restricted building work. Foundations and subfloor framing Carried out Supervised Walls Carried out Supervised Roof Carried out Supervised Columns and beams Carried out Supervised Bracing Carried out Supervised Other Carried out Supervised

✔

Jack and Pack 42 Lm Ring Foundation

Jack and Pack 29 Piles

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Memorandum from licensed building practitioner: Record of building work - 2011 3 EXTERNAL MOISTURE MANAGEMENT SYSTEMS

Work that is restricted

building work Description of restricted building work

Carried out or supervised

Tick If necessary, describe the restricted building work.

Tick whether you carried out the restricted building work or supervised someone else carrying out the restricted building work. Damp proofing Carried out Supervised Roof cladding or roof cladding system Carried out Supervised Ventilation system (for example, subfloor or cavity) Carried out Supervised Wall cladding or wall cladding system Carried out Supervised Waterproofing Carried out Supervised Other Carried out Supervised

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Name and contact details of the licensed building practitioner who is licensed to carry out or supervise restricted building work.

Name: LBP number:

Class(es) licensed in:

Plumbers, Gasfitters and Drainlayers registration number (if applicable):

Mailing address (if different from below):

Street address/Registered office:

Suburb: Town/City:

PO Box/Private Bag Postcode:

Phone number: Mobile:

After hours: Fax:

Email address: Website:

ISSUED BY

DECLARATION

I carried out or supervised the restricted building work recorded on this form.

Signature: Date:

Gary Collett

BP129462

Foundations

RD1

668 Depot Road

Burnt Hill

Oxford

7495

022 126 1879

03 312 3649

gary.underfloor@gmail.com

Gary Collett

17/02/2016

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18 February 2015 Kinga & Mike Palmer

103 Beckford St

Dear Kinga & Mike,

We have carried out an electrical inspection at the above property and it is evident that a major rewire has taken place, from where we could gain access it appears that all of the electrical wiring has been replaced with new TPS wiring. The switchboard has also be upgraded to a modern recessed one with resettable circuit breakers.

Regards, Simon Willetts Director 021 778 363

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Wall 2 Wall Insulation

Unit B 34 Logistics Road Harewood christchurch 8051 New Zealand Phone: 0223127984 GST No.: 114-293-903

Invoice: INVW2W381

_{Tax Invoice}

Invoice date: 11/02/2016 Bill to: kinga Palmer 103 Beckford Road St Martins Christchurch Due: 18/02/2016

DESCRIPTION TAX TYPE AMOUNT

(inc GST) Supply and installation of 89 sqm of Earthwool Glasswool R1.8 underfloor insulation to the

above address, area to kitchen not accessible as explained.

GST 1,023.50

Supply and installation of 89sqm Ground vapour barrier and tidy up of existing ground vapor barrier (initially quoted for 30sqm, increased as per customer request)

GST 533.11

Special offer for ceiling insulation if going ahead with the above:

R3.2 (150mm) ceiling insulation @ $9.50 per sqm installed - 116 sqm required to be installed over the 50mm insulation currently in ceiling.

GST 1,102.00 GST: $346.78 Total (inc GST): $2,658.61 Amount Paid: $0.00 AMOUNT DUE: $2,658.61 Notes Terms

Thank you; we really appreciate your business. All payments are due within 7 days following date of invoice unless otherwise negotiated.

All sales, quotes, invoices and other transactions, both present and future, are covered under our standard terms and conditions of trading, which is on the quote sent or is available on request.

All product remains the property of Wall 2 Wall Insulation until invoice is paid in full.

How to pay

Bank Deposit

Bank Name: ANZ

Account Number: 01-0877-0216668-00 Account Name: Wall 2 Wall Insulation Reference: INVW2W381

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PO Box 76073 Christchurch www.hydrovac.co.nz Tel. 03 366 9187 GST # 112 820 515 PLEASE PAY BY

20/03/2016

AMOUNT

$1,315.60

INVOICE DATE

29/02/2016

TAX INVOICE NO. 1763

Kinga Palmer 103 Beckford Rd Opawa

Christchurch 8023

Job No: 1779

Site: 103 Beckford Rd Opawa

Site Contact: Kinga Palmer

Site Phone: Order No.:

Description

Customer reports blocked drain. Flush and vacuum drain, dispose to council approved facility. If not successful in clearing drain, use camera to investigate. Supply footage.

1st February

1330-1800, HVAC4

Flushed stormwater line from front of house towards road and from road towards house several times. Used rootcutter to clear line. Introduced camera into drain to find block of wood in or through drain. Recorded and supplied footage. Disposed of 1000l of spoil.

Item Quantity Unit Price Total

Small Combo Truck incl 1 operator / hr 4.50 $180.00 $810.00

Root Cutting Equipment / hr 1.00 $20.00 $20.00

Trade Waste Disposal - Stormwater / kg 1150.00 $0.06 $69.00

Sub-Total ex GST $899.00 1st February.

Camera used to record footage of stormwater drain while flushing. Footage supplied.

Item Quantity Unit Price Total

CCTV Inspection while hydro-flushing / hour 2.50 $90.00 $225.00

Footage to CD/DVD 1.00 $20.00 $20.00 Sub-Total ex GST $245.00 Sub-Total ex GST $1,144.00 GST $171.60 Total inc GST $1,315.60 Amount Applied $0.00 Balance Due $1,315.60 Thank you for your custom, we look forward to hearing from you again.

Please Note: Failure to pay this invoice by its due date, without prior arrangements made, may result

in a penalty of 2% per month being charged to your outstanding balance. In Addition, should HydroVac Ltd require the use of a Debt Collection Agency or further legal advice HydroVac Ltd reserves the right to enforce and recover any or all of these additional costs incurred by this action.

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PO Box 76073 Christchurch www.hydrovac.co.nz Tel. 03 366 9187 GST # 112 820 515 PLEASE PAY BY

20/03/2016

AMOUNT

$1,315.60

INVOICE DATE

29/02/2016

TAX INVOICE NO. 1763

How To Pay

INVOICE NO. 1763

MasterCard or Visa

Please call 03 366 9187 to pay over the phone.

Direct Credit

Bank BNZ Bank

Acc. Name Canterbury Environmental Services

Bank Code

Acc. No. 02 0152 0332290 000

Mail

Detach this section and mail cheque to: HydroVac South Island

PO Box 76073 Christchurch

DUE DATE: 20/03/2016 AMOUNT DUE: $1,315.60

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Name Claim Assessment Company

Address Policy Loss Adjuster

Brand Assessment Date

Tranche External Specialist

Category Location Treatment Length Width Stud Height Total Quant Unit Rate

Materials/ Subcontractor

Rate

Labour

Constant Labour Rate Total Rate Total Notes

Rooms

Hallway - No visible eq related damage Bedroom 1 - No visible eq related damage Bedroom 2 - No visible eq related damage Bathroom - No visible eq related damage Bedroom 3 - No visible eq related damage

Lounge 4.3 3.6 2.8

FloorCov FCT1 - Protect floor coverings. All types 15.48 m² $ 3.50 $ 51.78 $ 3.50 $ 54.18 Wall1 WTL8 - Lathe&plaster. Rake tape and stop L4. 3 m² $ 19.00 $ 51.78 $ 19.00 $ 57.00 Wall1 WTD1 - Walls. Paint 3 coat system 12.04 m² $ 21.80 $ 51.78 $ 21.80 $ 262.47 Ceiling CTD5 - Fill and Paint Trim (3 Coat System) 15.8 lm $ 12.70 $ 51.78 $ 12.70 $ 200.66 Service SCU1 - Curtains/Blinds remove, store and refit

(per set) 2 No $ 110.00 $ 51.78 $ 110.00 $ 220.00

Kitchen/Dining 9.4 4.2 2.8

FloorCov FCT1 - Protect floor coverings. All types 30.66 m² $ 3.50 $ 51.78 $ 3.50 $ 107.31 Wall1 WTL8 - Lathe&plaster. Rake tape and stop L4. 4 m² $ 19.00 $ 51.78 $ 19.00 $ 76.00 Ceiling CTD5 - Fill and Paint Trim (3 Coat System) 23 lm $ 12.70 $ 51.78 $ 12.70 $ 292.10 Door JD1a - Door. Ease (includes decoration) 1 no $ 120.00 $ 51.78 $ 120.00 $ 120.00 Service SCU1 - Curtains/Blinds remove, store and refit

(per set) 1 No $ 110.00 $ 51.78 $ 110.00 $ 110.00 Wall1 WTD1 - Walls. Paint 3 coat system 26 m² $ 21.80 $ 51.78 $ 21.80 $ 566.80

Laundry 2.4 2 2.8

FloorCov FCT1 - Protect floor coverings. All types 4.8 m² $ 3.50 $ 51.78 $ 3.50 $ 16.80 Ceiling CTD5 - Fill and Paint Trim (3 Coat System) 8.8 lm $ 12.70 $ 51.78 $ 12.70 $ 111.76

Toilet 2.4 1 2.8

Damage Scope Report

Mike Palmer

103 Beckford Rd, Opawa, Christchurch

Gallagher Bassett Brendan Rhodes 19.07.17 P150422253 14 Page 1 of 2

(116)

Name Claim Assessment Company

Address Policy Loss Adjuster

Brand Assessment Date

Tranche External Specialist

Category Location Treatment Length Width Stud Height Total Quant Unit Rate

Materials/ Subcontractor

Rate

Labour

Constant Labour Rate Total Rate Total Notes

Damage Scope Report

Mike Palmer

103 Beckford Rd, Opawa, Christchurch

Gallagher Bassett Brendan Rhodes 19.07.17 P150422253

14

FloorCov FCT1 - Protect floor coverings. All types 2.4 m² $ 3.50 $ 51.78 $ 3.50 $ 8.40 Ceiling CTD5 - Fill and Paint Trim (3 Coat System) 6.8 lm $ 12.70 $ 51.78 $ 12.70 $ 86.36

Totals

Treatment Subtotal $ 2,289.84

Travel & Material Delivery Allowance $

-Treatment and Travel Subtotal $ 2,289.84

P&G 8.00% P&G $ 183.19

Fees 8.00% P&G Inclusive Subtotal $ 2,473.03

Margin 10.00% Fees $

-GST 15.00% Margin $ 247.30

Labour Rate $ 51.78 Total Before GST $ 2,720.33

GST $ 408.05

Total $ 3,128.38

(117)

24 August 2017

Mr M Palmer

c/- PMK Investments Limited

findmikepalmer@gmail.com

Dear Michael and Kinga

Your house claim is complete and has been settled Your claim number: C0050635 | CLM/2017/007896

Insured name: Mike & Kinga Palmer

Address of damaged property: 103 Beckford Road, Opawa, Christchurch

Your claim for natural disaster damage from the Kaikoura earthquake, which occurred on 14 November 2016, was assessed on 19 July 2017.

Our assessment has been reviewed and completed. We can confirm that your claim will be cash settled based on our assessment of the costs.

The table below outlines how your payment has been calculated. If you think there are any aspects to your house claim still outstanding, please contact us as soon as possible to discuss.

Item Amount Excess deducted Amount to pay

House EQCover $3,128.38 $200.00 $2,928.38

Total payment including GST $2,928.38

Yours sincerely,

Claims Case Manager

(118)

Information about cash settling your claim  Payment

Your payment method is: Cheque

Your payment will be posted to you shortly.

 Supporting documents

We’ve enclosed the Scope of Works to explain how we’ve calculated your settlement amount for damage to your home.

 Your obligations

By accepting this payment from us, you are confirming your previous declaration that the claim information that you submitted is true and accurate and that you have not withheld any material information. Please inform IAG if you are, or become, aware that the claim

information you provided is no longer accurate or you have new information.

 What to do with your payment

It is important that the payment is used to repair or replace the damaged property. In some instances, your future entitlement for insurance cover may be affected if your payment is not used for this purpose.

 How to contact us

You can call us on 0800 424411 or email us on disasterclaims@iag.co.nz. Our claims handlers are available from 8am – 5pm Monday to Friday.

(119)

BuildQual NZ Ltd

P 03-421 6757 - E enquiries@buildqual.co.nz - www.buildqual.co.nz

RESIDENTIAL PROPERTY INSPECTION

The site was visited to undertake a pre-listing inspection to apprise the owner of the present condition of the property. This report is offered as guidance only to any potential purchaser(s) and purchasers are encouraged to obtain independent advice on the property.

Customer Name: Mike Palmer

Inspection Address: 103 Beckford Road, Christchurch

Inspection Date: Thursday, 29 October 2020

Weather Conditions: Raining

Inspector Name: Kelvin Johnston

Company Contact Phone: 021 460 422

Registration: LBP No

BP126214

Version Control Version 1

(120)

103 Beckford Road, Christchurch Page 2

MISSION STATEMENT

To provide an outstanding customer-focused service in a professional manner.

ABOUT THIS REPORT

This inspection is a point in time one which has been conducted by a Licensed Building Practitioner who has significant achievement and experience in the residential building industry. The report is an exception-based report primarily focusing on and commenting on issues that are present. While the inspector may comment from time-to-time about elements of the property where no issues exist, mainly the report highlights any defects found during the inspection. Where an issue is highlighted, it remains the client’s responsibility as to what further action is taken, whether any is recommended or not.

The report closely follows the requirements of NZS 4306:2005 (the New Zealand Standard for property inspections) and complies with that standard. There are minimum requirements for access to confined spaces in NZS 4306:2005, however, if in the inspector’s view a space is too confined, and it presents a risk to their safety under the Health & Safety at Work Act 2015, the inspector’s safety is considered foremost.

DETAILS OF BUILDING

The property at 103 Beckford Road, Christchurch is a three-bedroom, single-storey dwelling constructed of timber weatherboards on a timber frame resting on a concrete ring and pile foundation, with an uncoated long run corrugated iron roof. The interior walls are plasterboard, lathe and plaster and timber panelling over timber frames. The floors are timber with carpet and wood-grained vinyl in the wet areas and kitchen.

There is a tar seal driveway on the front right-hand side of the section leading to a double standalone garage on the front left of the section.

The property was built circa 1940 and all fittings appear to be in good condition.

Building Use: Residential

Technical Category (CERA): Technical Category 3

Estimated Ground Profile: flat

Number of Storeys: single

Foundation Construction: concrete ring and pile

External Wall Construction: timber weatherboards

Internal Wall Construction: plasterboard, lathe and plaster and timber panelling

Mid-floor Construction -

Roof: uncoated long run corrugated iron

Floor Type: timber

(121)

INSPECTION SUMMARY

There was no significant evidence of structural damage noted to the building during our inspection. I attended the property and inspected inside, outside and around the section, making notes and taking photographs as I went. I noted any defects, and these are summarised below. During the inspection,

I took some 127 photographs.

The defects noted are:

o Very small crack in entrance stairs

o A few loose nails on the roof and the area repaired where the old chimney area was removed, noted.

o PVC downpipe draining only 400mm length of spouting – leads to a small soak pit. Noted.

o Masonry chimney for the wood burner - appears to have minimal clearance from the roof (not measured).

o Some misalignment of fascia boards - Consistent with the age of the house age.

o Some undulations in the floor, spot-checked with laser no major variances within each room.

o The log burner is outside of its clean-air compliance period.

o Several aesthetic blemishes on skirting board junctions, and door hinge areas.

o Some denting in the double garage doors.

FLOOR LEVELS

A full floor-level survey was not conducted at the address, however, preliminary testing was done using a laser level device.

MOISTURE TESTS

Interior moisture levels were tested using a Trotec® T650 moisture tester. This is a non-invasive capacitive tester that injects an electric field into the wall and measures the moisture levels through that. It is an indicative test which directs more invasive testing should elevated or wet readings be returned. The only certain way to determine a moisture problem is through invasive inspection – which sometimes means opening up the wall.

The reading scale is an exponential one from one to 200; with readings less than 50 considered dry, readings between 50 and 80 considered elevated and readings over 80 considered wet. Wet and elevated readings require further investigation.

A total of 35 locations were chosen to take moisture readings.

The readings are typically taken about 50mm from the floor – the assumption being that if the wall is damp the moisture will be near the bottom of the wall. Readings were also taken in the bottom of the shower or bath, vanity units, laundry tub cabinet, kitchen under the sink and adjacent the toilet.

The moisture readings were between 16.7 and 49.2 – these are in the dry range.

OTHER

There was no evidence of land damage, liquefaction or lateral spreading noted during the inspection. Overall, the property appears to be in good condition with some defects observed, as outlined above.

(122)

LAND AND ZONING

The property is zoned Technical Category 3, under the former Canterbury Earthquake Regional Authority guidelines.

(123)

PROPERTY ASSESSMENT FORM

THE SITE

ITEM ASSESSED DEFECT COMMENTS/NOTES

Retaining Walls N/A -

Stairs Minor Small crack in entrance stairs

Steps, Handrails, Paths, Driveway None No defects noted

Swimming Pool/Tennis Court N/A -

Fencing

o Material Type o Height o Condition

None Timber fences, 1.8m high.

Ground Movement/cracking None No defects noted

Surface water control o Signs of Pooling

o Direction of Water Flow

None Ponding on drive-way

EXTERIOR

Balconies, Verandas or patios etc. None No defects noted

External stairs None No defects noted

Framing (verticality, defects) None No defects noted

Wall Cladding (condition, tied to frame,

weep holes.) Minor Timber weatherboards. Minimal signs of _{rot and borer. Evidence of an extension}

at the rear of dwelling. Evidence of a chimney removal and repair to cladding. Some out of level/ out of parallel boards at the junction with foundation.

External Doors & Windows (condition,

defects) None No defects noted. Consistent with the _{age of the house age}

Chimney Minor Masonry chimney for the wood burner -

appears to have minimal clearance from the roof (not measured)

(124)

SUBFLOOR SPACE

Location of Access Point (if applicable) - In the wardrobe of bedroom two

Accessibility – Minimum 500x400mm - About minimum

Foundation Type & Condition Minor Concrete piles, evidence of jack and

pack

Foundation Walls None Ring foundation – over-pinning evident.

PS3 & PS4 Available

Ground Space Condition None No defects noted

Ground Vapour Barrier None Polythene sighted. No defects noted

Drainage – drains, haunching etc N/A -

Ventilation Adequacy None No defects noted

Pile Type, Instability & Condition None Concrete pile - Some jacking and

packing

Pile to Bearer Connections None No defects noted

Obvious Structural Alteration Yes Historic rear extension.

Ground Clearance of Timber Framing Minimum 400mm – timber, 500mm -concrete

- About the minimum

Floor Type (timber or suspended

concrete) - Timber

Timber Framing & Bracing None No defects noted

Insulation Type, Approximate Thickness,

Coverage & Condition None Batts 100mm. No defects noted

Plumbing – materials, leakage, supports None No defects noted

Electrical – wiring & supports None No defects noted

Insect or Pest Infestation None No defects noted

Rotting Timbers None No defects noted

(125)

ROOF

Roof System - material - Uncoated corrugated metal

Roof condition Minor A few loose nails. Repair to old chimney

area noted.

Gutters/Spouting/downpipes Minor PVC downpipe draining only 400mm

length of spouting – leads to a small soak pit. Noted.

Eaves/Fascia/Soffits – asbestos? None Mostly timber. Some misalignment of

fascia boards

ROOF SPACE

Accessibility – location and size of man-hole. Minimum 450x440mm with crawl space of 600x600mm

In bathroom cupboard

Meets the minimum allowance Roof Cladding – from the inside

(efflorescence, leaks, daylight) None No defects noted

Thermal Insulation – Type, clearances,

approximate thickness and coverage. Minor 140mm cover.

Sarking None No defects noted. Some sarking and

some building paper.

Party Walls & Fire Proofing N/A No defects noted

Roof Underlay & Support (mesh/wire) None No defects noted

Roof Frame Construction & Connections None No defects noted

Ceiling Construction None No defects noted

Obvious structural alteration Yes Historic rear extension

Insect or Pest infestation No -

Roofing timbers None No defects noted

Discharges into roof space (Vents/fans) No -

Plumbing – materials, leakage, supports None No defects noted

Electrical – wiring type & supports. None No defects noted

(126)

INTERIOR

Ceilings – condition, defects. Stipple None Acoustic tile

Walls – condition, defects. None No defects noted

Timber Floors Minor Some undulations in the floor,

spot-checked with laser no major variances within each room.

Concrete Floors N/A No defects noted

Carpets, floor coverings None No defects noted

Internal Doors & Frames, Skirtings Minor Several aesthetic blemishes on skirting

board junctions, and door hinge areas. Doors swing and latch well, a small amount of carpet rub

Electrical – operation of switches etc. None No defects noted

Kitchen

o Floor – sealed around perimeter None No defects noted

o Bench Top None No defects noted

o Cabinetry Minor Some minor misalignment of drawers

and or doors

o Sink/taps None Poor water pressure

o Tiles (sealed and condition) None No defects noted

o Air extraction system None No defects noted

Bathroom, WC, Ensuite -

o Floor - sealed None No defects noted

o Cistern, Pan & Bidet (if

Applicable) None No defects noted

o Tiles (sealed and condition) None No defects noted

o Bath (sealed and condition,

(127)

o Shower (sealed & condition,

pressure) None No defects noted

o Vanities/washbasin (taps,

sealed & condition) None No defects noted

o Ventilation None Heat vent light combo. No defects noted

o Special Features (if applicable) None No defects noted

Laundry

o Location (state location) - Behind the bathroom door.

o Floor (sealed & condition) None No defects noted

o Tubs/cabinet (taps, catches &

condition) None No defects noted

o Tiles (sealed and condition) N/A -

o Ventilation None No defects noted

Storage None No defects noted

Inside of Windows (catches & condition)

Single or double glazed None No defects noted

Electrical Connections None No defects noted

Interior Stairs N/A -

Garage – opener, doors. Minor Metal clad double garage. Some

(128)

SERVICES

Fire Warning/Control System

(not just smoke detectors) N/A -

Heating System (specify type) Minor Log burner (expired clean-air) and a

heat pump - As per the Appliances section below.

Ventilation System (HRV/DVS) None DVS Ventilation system

Central Vacuum System (if applicable -

untested) No -

Security System None Not tested

Electrical – Meter Board/Switch Board None No defects noted

Gas Services (Wall straps, vents blocked) None No defects noted

Water Services (incl. pressure) None No defects noted

Wet areas (suitably sealed from walls or

floors – incl. cabinets) None No defects noted

Hot Water (incl. pressure) o Date on cylinder o Seismic straps

None Small under bench cylinder serving

kitchen. The main cylinder is in bedroom two – 180L, Nov 2011 with seismic straps.

Wastewater/Sewerage (Flush toilets) None No defects noted

Grey Water Recycling (if applicable) N/A -

Rain Water Collection System (if

applicable) N/A -

Solar Panels N/A -

Aerials or antennae - Yes

Shading Systems (if applicable) N/A -

Telecommunications (phone/internet

lines – number and location. Untested) None -

(129)

APPLIANCES

Appliances are commented upon only and no warranty as to fitness for purpose is offered or implied

Stove None No defects noted

Oven None No defects noted

In-sink waste disposal None No defects noted

Exhaust fan(s) Minor

Dishwasher None No defects noted

Heat Pump None No defects noted

Bathroom Heater None No defects noted

Heated towel rails None No defects noted. One electric, the

other not.

Night-Store Heater N/A No defects noted

Fridge if being left None No defects noted

Smoke detector(s) –

o Max 3m to bedroom o One on each storey o Do they work?

(130)

OTHER DAMAGE

Any other damage that has not already been described in the report. No defects noted

NATURAL HAZARDS

Damage to surrounding land (e.g. slippage, subsidence, damage to public roading, creeks etc.) in the immediate area.

No defects noted

DO WE RECOMMEND FURTHER INVESTIGATION/REPORTS?

STRUCTURAL ENGINEER ……… ☐

GEOTECHNICAL ……… ☐

WEATHER TIGHTNESS ……… ☐

SUBFLOOR INSPECTION ……… ☐

ROOFING CONTRACTOR ………. ☐

CERTIFYING GAS FITTER ……… ☐

PLUMBER ………. ☐

OTHER ADDITIONAL ……… ☐

(131)

SUPPORTING PHOTOS

Roof – some raised nails Roof chimney removal repair

Over-pinned ring foundation Downpipe into a soak pit

(132)

Messy pipes. No gully cover Expired wood burner. Bad skirting junction

Messy cabling in the roof. Subfloor

(133)

CERTIFICATE OF INSPECTION IN ACCORDANCE

WITH NZS 4306:2005

Client:

Mike Palmer

Site Address:

103 Beckford Road, Christchurch

Inspector –Kelvin Johnston

Company – BuildQual NZ Ltd

Qualifications: Licensed Building Practitioner and qualified builder

Date of inspection: Thursday, 29 October 2020

The following areas of the property have been inspected:

Yes No

(a) Site ☒ ☐

(b) Subfloor ☒ ☐

(c) Exterior ☒ ☐

(d) Roof exterior ☒ ☐

(e) Roof space ☒ ☐

(f) Interior ☒ ☐

(g) Services ☒ ☐

(h) Accessory unit, ancillary space and buildings ☐ ☒

Any limitations to the coverage of the inspection are detailed in the written report.

Certification:

I hereby certify that I have carried out the inspection of the property site at the above address in accordance with NZS 4306:2005 Residential Property Inspection – and I am competent to undertake this inspection.

Signature

Kelvin Johnston

Date: 29/10/2020