Earthquakes one event under IAG policy

In a puzzling result, Dunningham J in Moore v IAG New Zealand Ltd [2019] NZHC 1549 decided that the earthquakes of 4 September 2010, 22 February 2011 and 13 June 2011 had the same cause and were one event for the purposes of the IAG policy.  The effect was that Mr Moore could  only recover the total sum insured of $2,500,000 plus gst once notwithstanding there was damage in each event and remediation was in excess of $4M.  This is yet another insurer favourable judgment out of the High Court in Christchurch.