SpeechANNA LORCK (Labour—Tukituki) (remote): Thank you Madam Speaker. I must say as a member of the Finance and Expenditure Committee where a lot of the work we do is in the tax legislative space which is of course excellent and full-on work I am however very pleased to learn that our chair Duncan Webb has lobbied hard to make sure that this bill is coming to us. It's going to attract incredible interest from right across New Zealand because it impacts on every one of us. It will create good robust policy which I'm looking forward to.Every one of us lives in New Zealand knowing that a major earthquake can strike at any time. As the member for Tukituki living in Hawke's Bay the memory of the 1931 7.8 earthquake lives on where we remember every year the 26 people who tragically lost their lives along with the thousands who were hospitalised. But then through the art deco architecture where a city was destroyed to rubble it was able to be rebuilt. I find it incredible that 111 new buildings were constructed in the downtown area between 1931 and 1933 in just two years and yet we've heard tonight from the struggles of people in Canterbury and the unfair challenges they faced in trying to get paid out so that they could just get on with rebuilding their homes and lives.In Hawke's Bay we've also witnessed just last year a one-in-200-year flood which left flood-prone low-lying areas covered sections of housing in metres high of mud as well as those suffering from slips on Napier Hill. It was a massive dark cloud that literally poured down on a very isolated area reminding us once again that at any time mother Nature is an incredibly strong force leaving destruction in her wake and now no more closer to home than in the past week where again parts of our region from across the East Coast have been left a sodden washed-out mess.We all know the cost of insurance is going up but we need to make sure that we all help in making sure that there is security in knowing that people will be paid out in a timely and fair manner. As we see storms and cyclones coming at us faster year on year we also know that New Zealand has the world's second-highest natural disaster costs in the world as a proportion of GDP. Our natural hazards insurance scheme supports us to have one of the world's highest rates of residential property insurance so it is extremely timely that this Natural Hazards Insurance Bill enters its first reading. It will modernise the Earthquake Commission Act 1993 and its associated natural hazards insurance scheme and governing Crown entity the Earthquake Commission.The bill makes the following key changes. It makes rules for mixed and multi-purpose buildings clearer; clarifies regulations relating to repairing buildings and land following a landslip or other land damage; simplifies the excessive calculations for retaining walls bridges and culverts; introduces a claimant code and a standing dispute resolution service; and changes the name to the National Hazards Commission to reflect the broad range of hazards covered by the Act and dealt with by the commission.I am looking forward to working on this bill one that I believe many many New Zealanders right across the country—ASSISTANT SPEAKER (Hon Jacqui Dean): Order! Order! The member's time has expired. Can I remind the member that while she is coming in from a remote source speeches are not to be read in this House. The member's been around for long enough to be able to speak from notes.