Insurer IAG says political parties should join in making New Zealand more resilient to climate change.

Its new report highlights our recovery bill is north of $4.2 billion dollars every year.

It says New Zealand has major gaps in climate adaptation - and no clear strategy, a lack of consistent and effective rules, poor funding tools and no incentives.

Victoria University Emeritus Professor Jonathan Boston says it's a tough political sell.

"It's a kind of lose-lose situation, there are very few brownie points in not preparing people for disasters." 

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