Search studies, brands and more…⌘ KExplore research

Evidence · Home and contents insurance

Every question, every answer, every source

Explore all 372 home and contents insurance questions and the 1,476 answers saved on 11 October 2026. Read the original responses and download the tables behind the study’s comparisons, sources, sentiment and factual checks.

questions
372
answers saved, of 1488 planned
1476
consumer situations
12
named regions
16
AI platforms
4

01

Every question, with its answers

Each question went to the four AI platforms. All were collected with a New Zealand setting. Open a question to read every captured answer in full.

Showing 20 of 372 questions

Show all 372

02

The tables behind the study

Every figure on the study page comes from these tables. They are CSV files, which open in any spreadsheet.

  • Questions

    questions.csv

    One row per question, with its exact saved wording.

    Question ID, source references, question, consumer situation, named regions, question group and collection setting

    372rows

    Download questions (CSV)

  • Answers

    answers.csv

    One row per captured answer, with its full text.

    Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer

    1,476rows

    Download answers (CSV)

  • Sources by answer

    sources.csv

    One row per website recorded as a source of an answer.

    Answer ID, question ID, assistant, collection setting, website and publisher type

    9,014rows

    Download sources by answer (CSV)

  • Checks against primary sources

    checks.csv

    One row per stated assertion checked, for one platform.

    Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date

    97rows

    Download checks against primary sources (CSV)

  • Consumer recommendation coding

    consumer-recommendation-coding.csv

    One row per reviewed provider role in a consumer-selection answer.

    Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions

    659rows

    Download consumer recommendation coding (CSV)

  • Consumer selection membership

    consumer-selection-membership.csv

    One row per answer in the matched consumer-selection comparison.

    Answer ID, question ID, consumer, platform, question group and full text; twelve home and twelve contents selection questions, with missing captures preserved

    94rows

    Download consumer selection membership (CSV)

  • Ongoing support coding

    support-coding.csv

    One row per reviewed named-provider role in an eligible support answer.

    Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage

    75rows

    Download ongoing support coding (CSV)

  • Ongoing support membership

    support-membership.csv

    One row per answer in the actual consumer-support group.

    Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded

    71rows

    Download ongoing support membership (CSV)

  • Regional recommendation coding

    regional-recommendation-coding.csv

    One row per reviewed provider role in a region-named selection answer.

    Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage

    1,017rows

    Download regional recommendation coding (CSV)

  • Regional selection membership

    regional-selection-membership.csv

    One row per answer in the matched regional comparison.

    Answer ID, question ID, named consumer region, platform and equal-comparison membership; four home and three contents platform answers per region

    112rows

    Download regional selection membership (CSV)

  • Insurer sentiment

    insurer-sentiment.csv

    One row per unique saved claim about an insurer in a selection answer.

    Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets

    3,828rows

    Download insurer sentiment (CSV)

  • Recorded source URLs

    source-urls.csv

    One row per recorded answer, website and URL association.

    Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text

    13,048rows

    Download recorded source urls (CSV)

  • Matched consumer platform membership

    platform-membership.csv

    One row per answer in the identical-question platform comparison.

    Answer ID, question ID, product, consumer and platform; 22 identical questions per platform

    88rows

    Download matched consumer platform membership (CSV)

  • Matched regional platform membership

    regional-platform-membership.csv

    One row per answer in the identical-question regional platform comparison.

    Answer ID, question ID, product, region and platform; 31 identical questions per platform

    124rows

    Download matched regional platform membership (CSV)

Use these tables to trace findings back to the original questions and answers. The full text of each answer is also on this page, under its question.

03

Read in full and checked

Some answers were read in detail or checked against official sources. Those appear on the study page, beside the findings they support.

ChatGPT · New Zealand

I uploaded photos of storm damage to my home insurer's website but never got a confirmation. How do I find out if my claim was received?

If you uploaded storm-damage photos through your insurer’s website but did not receive a confirmation, the safest way to check is to contact the insurer and ask them to verify that a claim has been lodged and that your photos are attached to the claim record. In New Zealand, your insurer is normally the main point of contact for a home damage claim and can confirm the claim status. Natural Hazards Commission Toka Tū Ake

Try these steps:

  1. Check your email and spam/junk folders

    • Search for your insurer’s name, “claim”, “reference number”, “confirmation”, or “damage”.
    • Some insurers send a confirmation email or claim number shortly after submission.

  2. Log back into your insurer’s online portal

    • Look for sections such as Claims, My claims, Messages, or Documents.
    • Some NZ insurers allow customers to view claim status and updates online. Tower Insurance NZ

  3. Call your insurer’s claims team
    Have these details ready:

    • Your name and policy number (if available)
    • The date you uploaded the photos
    • The email address or phone number used on the claim form
    • The address of the damaged property
    • Any screenshots or upload confirmation pages you saved

    Ask:

    “Can you confirm whether my storm damage claim was received, and whether the photos I uploaded are attached to the claim?”

  4. If they cannot find it

    • Ask whether the online form created a claim reference number.
    • If no claim exists, submit the claim again or lodge it by phone so you have a confirmed record.
    • Keep copies of all photos and communications. Taking photos before repairs or cleanup is also useful evidence for storm-related claims. Consumer NZ

If the storm damage is related to a natural hazard event and you are having trouble getting your claim tracked, you can also seek guidance from Natural Hazards Commission Toka Tū Ake, though your insurer is usually the first place to check the status. Natural Hazards Commission Toka Tū Ake

If you tell me which insurer you used (for example, AMI, AA Insurance, Tower, State, Vero, FMG, etc.), I can point you to the exact place to check or the right contact route.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I uploaded photos of storm damage to my home insurer's website but never got a confirmation. How do I find out if my claim was received?

If you uploaded photos of storm damage to your insurer's website and didn't receive an on-screen confirmation, an email receipt, or a reference number, it can be stressful—especially if you are worried about delays.

Here are the practical steps you should take right now to find out if your claim was successfully received:

1. Check Your Digital Footprint

  • Check your Junk/Spam folders: Automated insurance receipts frequently land in spam or junk folders, particularly after major weather events when insurer email systems are under heavy load. Search your email inbox for the name of your insurance company or keywords like “claim,” “reference,” or “acknowledgement.”
  • Look at your browser history: If you can trace back to the exact URL or page you were on after clicking "Submit," check if it redirected to a confirmation page that you might have accidentally closed.

2. Call Your Insurer Directly

The most reliable and fastest way to clear this up is to pick up the phone.

  • Have your details ready: Be ready to give them your full name, policy number (if you know it), property address, and contact details.
  • Ask specifically: Tell the representative, "I submitted a claim online with storm damage photos on [Date], but I didn't get a confirmation screen or email. Can you check your system to see if it entered the queue?"
  • If they have no record: Give them the details over the phone or ask if you can email the photos directly to a specific claims officer. Do not wait; insurers prioritize the timing of natural disaster claims.

3. Secure Your Backups

  • Keep your photos safe: Ensure the photos you uploaded are still safely saved on your phone or computer.
  • Document your attempt: Make a quick written note of the date and approximate time you tried to submit the form online, just in case there is a dispute later about when the claim was initiated.

Note: If your storm damage involves structural land issues (like a slip or retaining wall under or supporting your home), remember that New Zealand home policies typically work in tandem with the Natural Hazards Commission (NHC Toka Tū Ake), though your private insurer handles the initial lodgement and management of the claim.

Would you like the general contact phone numbers for major New Zealand home insurers to help you follow up quickly?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I uploaded photos of storm damage to my home insurer's website but never got a confirmation. How do I find out if my claim was received?

AI Overview

To find out if your claim was received, you should contact your insurance provider directly via phone or their online portal. Tech glitches during major storm events are common due to high website traffic, so taking proactive steps will give you peace of mind.

Here is how you can verify your claim step-by-step:

1. Check Your Online Portal or App

Before calling, log back into your insurer’s online member portal or mobile app.

  • Look for a section labeled "My Claims," "Claim History," or "Track a Claim."

  • If the upload was successful, the claim or a pending reference number should appear there, even if you didn't receive an email confirmation.

2. Contact Your Insurer Directly

If nothing shows up online, you need to reach out to them. Because you are in New Zealand, the contact method depends on who your policy is with:

  • Call their claims helpline: This is the fastest way to get confirmation. Let the agent know you attempted to upload photos on the website but received no confirmation page or email.

  • Have your details ready: Give them your policy number , full name, and the exact date and time you attempted the upload. They can check their back-end system to see if the files landed in your account.

3. Check Your Spam Folder

Sometimes automated confirmation emails from NZ insurers (like IAG, AMI, State, Vero, or AA Insurance) get flagged by email filters. Check your Spam, Junk, or Promotions folders for any automated receipts.

What to do next while you wait

  • Keep the original photos: Do not delete the photos or videos from your phone. Ensure they are safely backed up.

  • Note the metadata: Make sure the photos have "date and time stamps" enabled, as NZ insurers use this data to verify that the damage occurred during the specific storm event.

  • Prevent further damage: Under NZ insurance law, you have a duty to minimize loss. If it is safe to do so, take temporary steps to prevent further damage (like putting a tarp over a broken window), and keep receipts for any urgent materials you buy.

If you'd like, let me know:

  • Which insurance company you are with?

  • Do you have an existing claim number , or was this a brand-new submission?

I can help find the direct claims phone number or specific online tracking link for your provider.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I uploaded photos of storm damage to my home insurer's website but never got a confirmation. How do I find out if my claim was received?

When you do not receive a confirmation after submitting storm damage photos, it is important to act quickly to ensure your claim hasn't slipped through the system, especially following major weather events when insurers experience high volumes. Under New Zealand's insurance guidelines, insurers generally aim to acknowledge receipt of a claim within 5 business days.

Here are the recommended steps to find out if your claim was received:

  • Call the Claims Department Directly: Phone your insurer's customer service or claims hotline. This is the fastest way to get a definitive answer. Have your policy number, your home address, and the approximate date and time you uploaded the photos ready. Ask the representative to search their system using your details to see if a claim or a digital file was created.

  • Check Your Online Portal or App: Log back into your account on the insurer's website or mobile application. Look for a "Claims," "My Claims," or "History" section. Sometimes submissions register in an active dashboard or show a draft/pending status even if an automated confirmation email failed to send. [NZ insurances]

  • Search Your Email Thoroughly: Check your spam, junk, and promotional folders for any automated message from the insurer. Search your entire inbox using keywords like the insurer's name, "claim," "reference," or "submission."

  • Review Browser or Device History: If you completed the upload on a laptop or phone, check your browser history for a "success" or "thank you" confirmation page URL from the insurer's domain, which can verify that your submission actually went through to their server.

  • Resend or Re-lodge if No Record Exists: If the insurer confirms they have no record of your submission, ask them whether you should re-upload the documents immediately or email the photos directly to a designated claims officer. Keep a detailed record (date, time, and name of the person you spoke with) of this phone call. [NZ insurances]

If you'd like, let me know:

  • The name of your insurance provider
  • How many days ago you uploaded the photos

I can help check their specific customer service contact channels or complaints process if they continue to be unresponsive.

Ask anything

Captured 11 October 2026