LAST RESORT

In August 2018 my home was damaged by a fire, the cause was due to an electrical fault. I built my home 19 years ago on our family land, with council permits and code of compliance. I have raised my daughters and grandchildren in our home so this has had a devastating effect on us all. I had insurance for 16 of those years but cancelled it because my one and only claim I made for water damage due to flooding was declined on the grounds of "wear and tear". So I have no insurance and a mortgage that I have to repay. I have applied to funding agency's that help with Emergency Repairs to Homes that are built on family land namely Papakainga. I was unsuccessful on the grounds that Council Permit costs alone exceed the amount available. The repairs to my family home would cost $15,000.00 NZD But Council permits/experts? costs $60-$80,000.00 NZD!!! . Funding is only $20,000.00 per family.?? I have managed through hard work and the help of my children to get the electrical repairs done, repaint the inside and lay new floor boards to the half of the house that is structurally sound. My granddaughter who is 10 and been in my sole care since birth and I have to live in our home while fixing it with no running water, no washing facilities and half of a house that is falling down. The rural area we live in is very isolated I am a beneficiary and have run out of avenues I feel this is our last resort the next step is we will be homeless.