If your retirement village unit has incurred damage as a result of a natural disaster (such as a flood), your village operator should let you know what happens next.
- If you need to evacuate, your village operator should give you clear instructions about what to do and where to go. If you have to move out, the cost of that move should be covered by the village operator, regardless of where you're moving to.
- If you're moved to another unit within the same village, you'll likely keep paying you're usual weekly fee. If you're relocated to a different retirement village, then the two village operators need to negotiate the rate.
- If your unit cannot be repaired, the village operator should meet with you (and any other affected residents) to talk about what comes next. Possible options might include replacing the unit, transferring you to another available unit, or supporting you to move out the village altogether. You have the right to share your views, and the village operator must consider them. However, they don't have to agree with you. Whatever they decide, they must put it in writing and give you a copy.
- Looking after your belongings is down to you. Just like in a standard tenancy, you're responsible for insuring your own contents. If your belongings are damaged, you'll need to contact your contents insurer directly.
For more information about your rights after flood damage, visit ConsumerNZ.
The Retirement Village Code of Practice also outlines what your Occupation Rights Agreement must specify surrounding the grounds for termination if your unit is damaged or destroyed thought no fault, and any payment following this. See clauses 47 and 54.
Updated: 28 Nov 2025