20Minimum amounts

#### 20 Minimum amounts Claims arising out of events referred to in paragraph 19(1)(a), (b) or (c) (1) The minimum amount in respect of a claim made under a contract referred to in section 18, being a claim arising out of an event referred to in paragraph 19(1)(a), (b) or (c), is declared to be the amount sufficient to indemnify the person who made the claim, reduced, in respect of destruction or damage occurring as a result of and within 48 hours after an earthquake, by $200. (2) The amount declared by subsection (1) to be the minimum amount in respect of a claim is taken to include the reasonable cost of: (a) identifying and locating the cause of destruction or damage concerned if it is necessary to do so to effect a repair; and (b) demolition and removal of debris; and (c) emergency accommodation. Claims arising out of events referred to in paragraph 19(1)(d) (3) The minimum amount in respect of a claim made under a contract referred to in section 18, being a claim that arises out of an event referred to in paragraph 19(1)(d), is declared to be the amount, not exceeding $2,000,000, sufficient to indemnify the person who made the claim in respect of his or her liability. (4) If there is more than one such claim arising out of the same event, being an event referred to in paragraph 19(1)(d), the minimum amount in respect of a claim made after the first of those claims has been made is declared to be the lesser of the following amounts: (a) the amount sufficient to indemnify the person who made the claim; (b) the amount ascertained by subtracting from $2,000,000 the amount or the sum of the amounts, as the case may be, that the insurer has paid, or is liable to pay, in respect of the claim or claims arising out of that event that have already been made.