Problems would then arise when someone tried to sell a property.
Chaplin said it had hallmarks of the leaky building crisis, which left many homeowners facing huge bills. "I can't help but feel we are about to see a whole new generation make the same mistakes in Christchurch.
"Significant evidence is coming to light from contractors that they are often severely compromised by the repair budget, which soon into the repair they find inadequate or inappropriate."
Mother of two young children, Alex Blair, who was widowed two months before the first earthquake, said she was still waiting for building to start on her property. It needs $400,000 of repairs.
Insurers had told her that because her home was 100 years old it did not have to be repaired to current building standards - only to the standards that would have applied when it was built. "I'm in the building industry too, so I'm the wrong person to say that to. But they walk in saying it in a very convincing way. Eighty per cent of the population is not in a position to understand."
Some houses had been repaired with floors that were unlevel and without engineering input.
She said insurers and builders trying to save money now would cost future generations and "in 20 years' time there will be legal disputes and more problems".
Grant Florence, of the Certified Builders Association, said it was difficult to maintain quality standards with any large-scale project.
He knew of incidents where the standard was not what it should be. "How widespread that is, I don't know."
Insurance Council chief executive Tim Grafton had not heard about the concerns and said he would be worried if this were the case. Houses had to be built to specific guidelines and inspections were done to ensure that happened, he said.