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Speaker 1: Insurers want to make sure the government's replacement for the

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Speaker 1: RIMA ensures that we don't build in what they call

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Speaker 1: dumb places, places that are earthquake prone or flood prone.

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Speaker 1: The government's replacing the RMA with two pieces of legislation.

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Speaker 1: The Insurance Council says we're particularly vulnerable to natural hazard risks.

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Speaker 1: They reckon that around seven hundred and fifty thousand people

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Speaker 1: and four hundred and sixty one thousand buildings are at

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Speaker 1: risk of coastal inundational and land flooding. Bruce Where is

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Speaker 1: a urban designer at Saddleback Planning and Urban Design, is

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Speaker 1: with us this morning. Bruce, Good morning Mourning. Ryan, Good

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Speaker 1: to have you on the show. Do people want? Do

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Speaker 1: people want to build in high risk flood zones?

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Speaker 2: It's one of those funny ironies in New Zealand, isn't it.

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Speaker 2: Everywhere we want to live is played with a few issues,

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Speaker 2: and coastal inundation is one of them. The high value areas,

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Speaker 2: so all of our waterfronts close, crook edges, edges of

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Speaker 2: water always just it's a human condition to some extent,

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Speaker 2: But haven't said that we also build on good flat

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Speaker 2: land that's prone to flooding and we all know it.

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Speaker 2: It's just what it is.

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Speaker 1: Should we be allowed to or do we have a choice.

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Speaker 1: I mean, we just basically be living in apartments if

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Speaker 1: we no.

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Speaker 2: Look, I think what it is is that. Look, it

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Speaker 2: comes down to cost. There's risks with everything, absolutely everything

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Speaker 2: you know over the and flows, and it's up to

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Speaker 2: you to do your due diligence on a size and

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Speaker 2: understand the costs of you know, most of the heavy

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Speaker 2: lifting is done at the front end of a project.

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Speaker 2: When you do land development. It's not when you can

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Speaker 2: strike the house. You can set minimum floor levels, those

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Speaker 2: sorts of things for houses, and that will provide you

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Speaker 2: pretty good mitigation. Most of the heavy lifting has done

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Speaker 2: with the land of ours when they're identifying, you know,

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Speaker 2: the prime areas to locate. And I understand their insurance

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Speaker 2: councils concerned, no two ways about it.

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Speaker 1: Well, they don't want to.

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Speaker 2: Be lead, but they have a lot of clouts.

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Speaker 1: Well they do, and they don't want to be I mean,

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Speaker 1: they're obviously just a warning saying we're not going to

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Speaker 1: be able to cover these guys if they keep building

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Speaker 1: in high risk areas. Do you think we should change

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Speaker 1: the rule I mean, should the public, should a council,

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Speaker 1: should the government ever have to bail out or help

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Speaker 1: out if a person knowingly builds in a high risk area.

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Speaker 2: Well, the way I see it is so we're trying

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Speaker 2: to decide between having acc essentially and private property or

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Speaker 2: making people personally responsible for the decisions they take. And

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Speaker 2: you know, like I think the problem is, you can

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Speaker 2: put the information out there and people still make dumb decisions.

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Speaker 2: And if we allow people to do that and there's

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Speaker 2: no consequence, then then we're going to keep on getting

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Speaker 2: dumb decisions. Is a level of pain factor and people,

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Speaker 2: you know, look, if you drive drunk, you lose your license, right,

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Speaker 2: you know what's coming. You're not insured, your car's uninsured.

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Speaker 2: You're going to get hammered both ways. And so you know,

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Speaker 2: why is it any different for property? Why do we

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Speaker 2: somehow we have to bail everybody out when they do

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Speaker 2: knowingly stupid things. It's people lie, it's fraud, it's a crime.

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Speaker 1: Tell you, I forget that Bible saying that the man

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Speaker 1: who built his house on the rock and the sand,

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Speaker 1: and I forget how it goes, But it's that kind

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Speaker 1: of story. Bruce, Thank you very much, for that Bruce

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Speaker 1: where urban designer at Saddleback Planning and Urban Design talking

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Speaker 1: there about the insurance industry which is saying stop building

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Speaker 1: and dumb places and wants the government to basically legislate that.

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Speaker 1: Simon Court is the ACTMP and he's the Undersecretary responsible

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Speaker 1: for RMA. We'll ask him about that.

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Speaker 2: For more from News Talk st B. Listen live on

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