Frequently Asked Questions (FAQ)

SRCA is Southern Response Class Action.

We are fighting for you to get what you are rightfully owed and, with litigation funders on board, there is nothing for you to lose.

People will have all sorts of reasons for joining the Southern Response Class Action.

  • Some people can’t afford the up-front and ongoing costs of a lawyer, or to pay for expert reports without the assistance of a litigation funder.
  • Some people may not feel strong enough to challenge Southern Response on their own. They want to work as a group to tell Southern Response it needs to assess their claims properly and pay them what they should get under their insurance policy.
  • Others feel it is time to take action: it’s been over four years and little progress has been made.
  • Some people thought that Southern Response was progressing their claim – they were now in the build queue, were waiting for an engineering report, or expected to receive another DRA. They have now found that, in reality, they are not making any progress.
  • Some recognise that their claim will have the best chance of successfully being resolved if it is part of a bigger case, where the patterns and common behaviours in the way Southern Response handles claims can be seen, as this will apply significant pressure on Southern Response to settle the claims properly.
  • Some people would have liked to take action against Southern Response but did not want to take the risk of spending the money and then losing. 
  • Others just don’t want to wait any longer, living in damaged or temporary accommodation. They want to take control of their lives and the claim process.

You will have your own reason for thinking about joining the class action.

The benefits of this class action against Southern Response are:

  1. You pay nothing if the case is not successful.
  2. Where necessary, expert reports will be paid for by the litigation funder during the case.
  3. This case is being taken by a Christchurch firm. Its staff know the city, its people and understand the sheer hell people have been experiencing for the past four years. They have had their own battles with EQC and insurers over their own homes.
  4. GCA Lawyers is one of New Zealand’s leading law practices specialising in class actions.
  5. GCA Lawyers has been taking action against insurance companies since the September 2010 earthquake and knows the issues Canterbury homeowners are facing.
  6. GCA Lawyers has already spent over a year putting this case together and has secured a substantial international funder. The firm has clearly identified the issues and the path to resolution.

A class action is a label that is conveniently used to describe a group of people who have a common set of legal problems who want to work together to resolve those problems.

One method they can use to solve the legal problems is a court action. This might be an action where they are all named as plaintiffs, or it could be a representative action in the courts A representative action is a  lawsuit in which one person or organisation initiates legal action on behalf of the larger group of people: they "represent" the group.

Whatever the form of the court case, a class-action provides the group with the strength that comes from united action.

If you join the class action, GCA Lawyers will help you resolve your claim. If Southern Response contacts you and offers to move your claim forward, let us know. The aim of the class action is to get people the best solution within the shortest time. Working together is the best way forward.

No. If you register your interest we will provide you with more information, but you will not be under any obligation to join SRCA.

The Southern Response Class Action will aim to resolve your claim for the full reinstatement value as well as to recover damages.  You cannot have anyone else acting for you while you are part of the action.  We would not be able to properly act for you and a group action only works when the group works together.  You can choose to terminate your arrangement with your lawyer and/or advocate and choose to join the Southern Response Class Action.
If you have evidence, or strong reasons to believe, that your claim is overcap, you can join the Southern Response Class Action You can register your interest, or contact us to discuss it by emailing contact@srca.co.nz or phoning GCA Lawyers on 365 1347.
Currently, the Southern Response Class Action is only for claimants whose claims have not yet been settled, but we would like to hear from anyone who has settled their claim for any amount they believe was less than their full entitlement under the policy.  Any further action on behalf of people in this situation will depend on the level of interest we receive. You can register your interest by emailing contact@srca.co.nz or phoning GCA Lawyers on 365 1347.
The Southern Response Class Action is only for claimants whose claims are with Southern Response, but we would like to hear from anyone who has a claim with another insurer.  Any further action on behalf of people in this situation will depend on the level of interest we receive. You can register your interest by emailing contact@srca.co.nz or phoning GCA Lawyers on 365 1347.

No. This class action will only resolve the claims of those who join the action. Other Southern Response policy holders will need to work their claims out by trying to deal with Southern Response themselves. They will need to pay for their own expert advice and convince Southern Response to accept it or litigate themselves.