Home Insurance
The building and what is in it: fire, burglary, storm and flood, and the contents down to the jewellery in the cupboard.
Also calledBharat Griha Raksha · Householder's Package Policy · HHP
First thing, todayPhotograph the damage before anything is cleared, and tell the police the same day if anything has been taken.
- Tell the insurer now, not after the assessment.
- The fire brigade and the police told today. Their records are asked for months later and can only be made now.
- Every document within the time the insurer asks for it.
When you would claim
- Fire, short circuit or explosion in the house
- Burglary, and theft of jewellery or valuables
- Storm, flood or inundation damage to the structure or contents
- Damage to portable electronics, where the cover extends to them
- Rent for alternative accommodation while the house is repaired
What insurers most often rely on
- Sum insured on the building set at market value rather than the cost of rebuilding it
- Contents claimed without any invoice or valuation behind them
- Jewellery above the limit the policy sets for it without a declaration
- The house unoccupied for longer than the wording allows
- Wear, tear and gradual dampness rather than a sudden event
A ground is not a verdict. Most of these turn on what was reported, to whom, and how quickly.
The documents
the policy's papers, and the event's10 items, in two halves: the papers your policy generates and the papers the event generates. A claim needs both and people keep only the first.
- Claim form, policy schedule and the full wording
- FIR, on any claim involving theft
- Photographs of the damage, before clearing
- Purchase invoices or valuation for the items claimed
- Repair estimate for the structure and for the contents
- The jewellery valuation, where jewellery is claimed
- Municipal or society record of the incident, where there is one
- Cancelled cheque and bank details in the insured's name, for the NEFT payment
- Details of any other insurance covering the same property
- A claim bill: the amount claimed, itemised, with the working behind it
Next
Fire Claim: The First 72 Hours, and what it shares with this
Read the fire playbook alongside this one. The first night is the same wherever it burned: nothing cleared, nothing scrapped, everything photographed before anybody tidies up for the surveyor.
Check the sum insured
This cover carries an average clause. Declare less than the value at risk and every claim pays that proportion short, a partial loss exactly as much as a total one. Three numbers will tell you where you stand.
Filed under: Home and travel · Fire and explosion
Claims that sit next to this one
the same things, at home or awayBurglary and Theft
the same peril, on a business policy
Fire and Special Perils
the same perils, on a business policy
Travel Insurance
the contents that leave with you
Had a fire and not sure where the claim stands? Report a loss or call 92514 56334.