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6 Tips to Make Your Home Insurance Claim Process Easier

In today’s uncertain times, it has become imperative to buy a home insurance policy that would take proper care of the structure and content of your house. It is designed to safeguard your pocket in case of any emergency like fire or burglary etc. What really worries most customers is the claiming process. It sounds tricky especially when it is your turn to file a claim. Well, this article will help you to reduce your claims related anxieties. Here are some steps, which should be followed at the time of making a claim.

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  • Read carefully the fine print on your policy that details the inclusions and exclusions and clearly defines what can be claimed for and what cannot. An individual must know what is covered because there are home insurance policies that cover some specific damages only. There is no point in claiming for things your policy doesn’t cover. It will just delay the claim.
  • Storing your bills and documents safely- Always keep a safe collection of all bills and documents related to the purchase of your valuables. If unable to stock any evidence, you can click pictures of your valuables and their purchase documents with serial numbers and save them online in a cloud based service like Dropbox etc. Don’t forget to mention the date of purchase and value at the time of purchase. At the time of making a claim, you cannot expect any approval unless you have all the documents in place. When you purchase a home insurance policy, create a list of all your key possessions. Don’t forget to click pictures of your belongings as a proof to justify your claim amount.  
  • On annual basis, create a written inventory of all your household goods from jewelry to electronic equipment. The new sheet should be deposited to the insurance company for their records.
  • You can fill the claim form online and request the customer service department for the same. Do enter the appropriate details for easy evaluation of claim with correct contact details.
  • Fill out the claim form carefully and ensure that you don’t make any silly errors that will lead to bureaucratic delays later.
  • Don’t forget to follow up with the insurance company after you have made the claim.

Whether your house is affected by fire, flood or burglary, home insurance gives you hope and makes sure you can rebuild it brick by brick. Follow these tips and confidently make your claim so the restoration of your home can begin at once.

Home insurance
Written By: PolicyBazaar - Updated: 30 September 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Reviews & Ratings

4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
Virendra
Bokaro, July 26, 2022
Coverage for natural calamity
I was looking for an insurance policy that provides me coverage for natural calamity. Since my house is located near a river and it floods my area in the rainy season. So i went on the Policybazaar website and particularly look for this coverage found the exact plan that provides this coverage.
Sunil
Bilaspur, July 26, 2022
Premium Calculation
I was looking for a home insurance policy online. I stumblled upon the Policybazaar website and it is one of the best online platforms to purchase home insurance policy. I learned about the insurance plan i wanted to purchase and after choosing the plan and add ons i could calculate the premium using their online premium calculator. Thanks Policybazaar.
Manish
Bikaner, July 26, 2022
Natural Calamity cover
I have recently purchased a flat and wanted to cover it with a home insurance policy. I was aware of the Policybazaar website so i thought i should give it a try. I went on their website and as i wanted to cover my flat with a natural calamity cover specifically i searched for it and without wasting a minute it showed me the natural calamity coverage.
Mohit
Amritsar, July 26, 2022
Enough coverage
I was looking for a home insurance plan online. I was fed up as i have to visit different websites to look for a single suitable insurance plan. However, i stumbbled upon Policybazaar website where i was able to find the right insurance plan that could provide me enough coverage.
Sahil
Bareilly, July 26, 2022
Nice customer service
I wanted to purchase a home insurance policy and a friend of mine suggested to purchase it from Policybazaar. I bought the policy and after that i had a confusion regarding exclusions so i called up Policybazaar customer care and they cleared out the confusion and i loved their customer service.
Jitendra
Ajmer, July 26, 2022
Qiuck claim
I purchased a home insurance policy recently. However, due to a natural calamity, my house was damaged as the pressure of the water because of flood broke the enterance door of my house. But the insurance plan that i bought got me covered and i as able to get the quickest claim possible.
Prashant
Delhi, July 26, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension free now.
Sharad
Kolkata, July 26, 2022
Wide coverage
The home insurance plan that i purchased from policybazaar's website is a great plan that provides me coverage for not only the structure but also cover several expensive content of the home such as paintings, mobile phones, laptops, television, etc.
Ravi
Ahmedabad, July 26, 2022
Suitable insurance plan
I purchased the group health insurance policy from Policybazaar website. First of all, i did not have to wander much online while lookig for a home insurance plan that fits my requirement and i found the suitbale home insurance plan by comparing different plans on the website.
Yashashvi
Amritsar, June 09, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of >₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.

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