Natural disasters are unpredictable and occur without warning. And it’s flooding in Kerala this time! The strong rain this year has inundated several cities and towns. Cities have been inundated, and numerous vehicles, autos, and infrastructure have been destroyed.
What would be your response, and what would you do if your home, the one you constructed, or the apartment you bought with all your funds, was destroyed or damaged by floods? In this case, everyone’s priority would be to keep their family safe. Most people even flee and migrate from the afflicted region to preserve their and their loved ones’ lives.
However, everything has an end, and this condition will also pass. However, this causes significant damage to your property, such as your home and automobile. Insurance with proper natural disaster coverage may assist in this case and even make things better for you.
Before purchasing comprehensive coverage, it is critical to understand what it is and what it does and does not cover, as well as what sort of coverage you already have with your insurance. Comprehensive insurance covers any form of damage that is not the result of an accident. It encompasses everything that transpired that was beyond your control.
Theft, fires, vandalism, and “acts of God,” such as natural disasters and weather damage, are examples of these actions. When a natural catastrophe occurs, comprehensive insurance is important coverage. Comprehensive coverage protects your assets, like your house and automobiles. It gives you money to restore and rebuild your home.
How Do I Claim Car Insurance After Flooding?
Step 1: Dial the Toll-Free number listed on your Car Insurance policy documentation to contact your insurance provider.
Step 2: Give the insurance company workers basic information, such as where your vehicle was parked or where you were traveling, when it broke down, and so on.
Step 3: After you have provided all of the necessary information, the insurer will assign you a single Claim Registration Number. You may now supply this unique number whenever the insurance company requests information.
Step 4: Your insurance company will send a surveyor to assess the overall damage to your car. The organization will next speak with garage services to determine the cost of repairs. The insurance company will advise you of the amount owed for repairing your car. This amount may be a percentage of the entire amount necessary for repair, or it may be the complete amount, depending on your policy and coverage.
Step 5: If you are not pleased with the decision or the amount you are receiving, you may meet with the surveyor again and persuade him to reconsider.
Step 6: Sign the surveyor’s claim approval paperwork.
Step 7: Speak with the garage personnel and the repair crew, and inquire about the time frame for repairing your vehicle.
Step 8: If necessary, follow up with the repair staff and the insurance company.
Step 9: After your automobile has been fixed, inspect the repair work and the vehicle’s operation. If you are pleased with the service, pay them the money agreed upon following the settlement.
Step 10: Drive your vehicle home.
How Do You Claim Home Insurance After Flooding?
No policy covers flooding or other natural disasters. However, some insurance policies cover these types of losses.
Guidelines for Filing a Home Insurance Claim
Insurance firms have timelines for informing customers about their losses and property damage. In general, the period ranges from 7 to 15 days. However, before you make your claim, you must first register an FIR with the police station, which must then be forwarded to the insurance company.
Following this, the claim procedure under a house insurance policy is painless. The insured must present property documentation to the insurance company to demonstrate that the residence is in the name of the individual making a claim.
The insurance provider will next choose a surveyor to examine the property damage. After assessing the extent of the damage, the insurance company will calculate the cost of repairs. And concludes the claim. The insurance company will now contact you to finalize the settlement and give you the funds required for the repair. However, if anything is fixed before contacting the insurance, you must be cautious and save all invoices because they will give you the sum.
Things to Think About When Filing a Claim
- To begin, keeping all insurance and property documents secure is critical. It is usually preferable to store papers in bank lockers.
- It is critical to maintaining detailed records of the losses sustained. Taking images and movies is the best way to go.
- Try to save the damaged objects since the claim agent will undoubtedly want to see the damage.
- All claim-related documents, such as receipts and invoices, must be kept secure.
- Always keep a record of what you built and mended, even temporarily.