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# Warning of the Day
- URL: https://goodoil.news/warning-of-the-day/
- Published: 2023-04-16T18:30:00.000Z
- Updated: 2023-04-17T00:47:51.000Z
- Author: Good Oil Staff
- Tags: Business, NZ, #wp, #wp-post, #Import 2024-07-16 22:34

This is a timely reminder to check the fine print in your insurance policies.

> An apple grower near Nelson hit hard by last week’s tornado is devastated his insurance company won’t pay out because it’s not classed as a ‘natural disaster’. \[…\]  
>  
> The crop was due to be harvested on Monday, but six days ago a tornado tore straight through it.  
>  
> “We’re estimating around $200,000 to $220,000 of fruit loss,” Aaron Thawley said.  
>  
> The Thawley family has been growing apples in this area since 1914 – and insuring it with FMG for about 40 years.

While the Insurance Council agrees the damage was caused by a natural disaster and says it will approach FMG on Thawley’s behalf, the article notes:

> However in FMG’s policy wording, their definition of a natural disaster includes earthquakes, volcanic eruptions, tsunamis and landslips. But not what many farmers and growers are actually hit by – which is big storms.

And yet, the Tenancy Tribunal does [identify storm/wind damage as an Act of God](https://www.nzherald.co.nz/nz/crime/tribunal-rules-in-favour-of-renter-after-window-blown-off-hinges-by-act-of-god/B2WIFEUAFVEEZE2XKA3I7QKNP4/?ref=goodoil.news).

[Read more here](https://www.newshub.co.nz/home/new-zealand/2023/04/apple-grower-faces-over-200k-in-tornado-damage-after-insurance-company-won-t-pay-out.html?fbclid=IwAR0oszCIlXIk0dpkUfO2%5FW36oiw1XRxLEQt%5FIPdvdInOdgBg9s-I-GoE5gU&ref=goodoil.news). Discuss it on *The BFD.*

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