His property was hit by silt and mud from liquefaction, and his home is cracked and partially sunk. He continues to live in the house for now.
"Compared to some people, I'm pretty good, really. It's just frustrating at the time with the liquefaction to deal with. As to how bad [the house] is, I'm just waiting to find out. That's taking a while, but that's the way it is."
Having missed the first big Canterbury quake in September 2010, McCaw initially found it difficult to understand what people were feeling.
But five months later, he was in Christchurch's Merivale Mall when the killer 6.3-magnitude quake hit.
There was "the usual panic and stuff, which you can understand".
"I couldn't really go far - because I was on crutches - until it stopped.
"And then I hopped my way out, and drove off. But seeing the supermarket, and all the stuff come off the shelves and stuff like that - it was pretty scary really.
"It's quite hard to understand what it's like unless you are actually there. And that's what I found after September; I didn't really understand until I was amongst it.
"We had a few guys who were down here during the World Cup and we had a couple of reasonable [quakes], and they were like, 'Hell, if it's any worse than that I wouldn't like it'."
McCaw, the Herald's 2011 New Zealander of the Year, will be busy with Super 15 rugby training and other commitments tomorrow but he sees the quake anniversary as a chance to think about those who died and those who were seriously injured.
"You don't hear a lot about the [injured], who have lost limbs and stuff like that. There's a hell of a lot of those people. One minute you are all good, and then 'bang', that happens."
He says he never considered for a moment leaving Christchurch. He wants to see the city rebuilt.
"The people who are going to live here are the ones who are going to make [a new city].
"You have got to look at it as a wee bit of an opportunity too, I think. Hopefully in 10 years' time we will look back, and hopefully things are really progressed and you'll think, 'We have got a pretty cool city again'."