The chair of the cyclone recovery taskforce says grown up conversations will be needed about which homes can or cannot be rebuilt following Gabrielle.
Tower Insurance says the worst-flooded homes are unlikely to be rebuilt, especially those left with silt contamination.
Sir Brian Roche told Morning Report he expects insurance companies will work collaboratively with the Government on determining where to rebuild.
He says if insurers leave that decision to the government they would be abdicating responsibility.
