Protect your house from calamities @ just ₹9/month*
Compare and Save
Compare and save up to 28%**
Bank-approved policy copies
Bank-approved policy copies
No paperwork
No paperwork
Instant online policy issuance
Instant online policy issuance

So that we know what to call you.


We'll send your policy copy & important updates to this number.

By clicking on "" you agree to our Privacy Policy & Terms of Use
Get Updates on WhatsApp

Building Collapses & How to Back It Up?

Building collapses can be devastating for the builders as it requires a huge investment. We get to hear news about building collapses every other day. Since building collapse does not come with a warning and if lucky then nobody gets hurt but sometimes it leads to hurting people and even turn into multiple casualties and deaths. However, financial loss is inevitable.

Read more

According to Statistics

As per the data released by the Brihanmumbai Municipal Corporation (BMC) disaster management department, there have been a total of 1,810 incidents of buildings as well as houses in the span of 4 years in which around 99 people have died and 376 people have been injured between 2018 and 2021.

Well, these stats are from one city only, now you all can imagine how many cases of the collapsed building would take place in the entire country. However, what would be the reason behind the collapse of these buildings?

Reasons Behind Building Collapses

There can be several reasons behind building and house collapses. Let’s have a look at them below:

  • If the building or the house is older than 70-80 years and the material used in that building is crumbling then there are high chances of that building will collapse.
  • If the house is located in a densely populated area where the houses and buildings have been constructed without following the safety guidelines.
  • If the building has been constructed illegally without following the safety measures while construction.
  • If the builder has used poop quality construction material then the building becomes prone to collapse.
  • If the building has not been maintained properly that led to the crumbling of the structure would make a building proneto collapse.
  • Sometimes construction firms do not hire skilled and trained labourers who are not familiar with construction techniques, this would lead to a poor building or house structure making it prone to collapse.
  • Earthquakes and floods can also collapse not just a poorly built building but also the best ones.

Ways To Handle Building Collapse

There are several reasons behind the collapse of buildings such as improper structural placements, unstable design or use of poor quality material. If the builders make sure to use good quality material and monitor these issues during the construction then building collapses can be curbed.

In case the building collapses due to natural calamities such as earthquakes or floods. To tackle such scenarios, here are a few points you can note down.

  • In case you notice that a building is collapsing then you should get out of the building as quickly as possible.
  • If a part of a building has collapsed then it is advised to get out in an open space to avoid any kind of injury.
  • Be aware that there is no gas leak in the building.
  • Be aware of any electrical hazard due to the damage caused to the building.
  • Make sure that everybody in the building is out and avoid using elevators.

Insurance As Back-up

There are many insurance companies out there in the market providing home/building insurance policies. As per the insurance industry experts, purchasing a home insurance or building insurance policy works as the backup option so make sure to purchase one.

Also, instead of having a traditional approach, make sure to have a smart approach of purchasing the insurance policy. It means that purchasing the insurance policy online instead of offline comes with several benefits.

Benefits of Online Purchase

Purchasing the insurance policy comes with several benefits and they are as follows:

  • You can choose a home insurance policy in the comfort of your home.
  • You can compare different plans on your computer screen and choose the best one that suits your requirements.
  • Insurance companies offer premium calculator tools that you can use to calculate the premium of your desired insurance plan.
  • You can learn about your insurance policy in detail along with the terms and conditions.
  • No middle man such as insurance agents and you can save their fee as well.


It is advised to use the best quality building material to construct a building. Even though the natural calamities are inevitable and can collapse the strongest building to the ground. To protect yourself financially in case of a building collapse, purchasing a building insurance policy is a must. It would not only protect you financially but also bring peace to your mind.

Written By: PolicyBazaar - Updated: 10 May 2022
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Home Insurance Articles
Buying your dream house can be one of your most significant investments in life, for which you might avail of...Read more
21 Sep 2023 by Policybazaar 4125 Views
Purchasing a home is one of the most financially sound decisions one can make. Any decision taken in a hurry might...Read more
07 Feb 2024 by Policybazaar 843 Views
Housing society insurance is a one-stop solution for all residential societies against unforeseen damage caused by...Read more
14 Feb 2024 by Policybazaar 892 Views
Owning your dream house is one of the significant milestones in a lifetime. Remember, your home is not merely a...Read more
30 Jan 2024 by Policybazaar 706 Views
A sum insured in home insurance refers to the maximum payout amount an insurance company agrees to pay in the...Read more
18 Apr 2024 by Policybazaar 324 Views
Valuable Content Cover is an optional or add-on cover offered by...Read more
05 Jun 2024 by Policybazaar 161 Views
Personal Accident (PA) Cover is an add-on cover provided by...Read more
05 Jun 2024 by Policybazaar 126 Views
Loss of Rent (LOR) coverage is a significant feature of a home...Read more
09 May 2024 by Policybazaar 247 Views
A sum insured in home insurance refers to the maximum payout...Read more
18 Apr 2024 by Policybazaar 324 Views
In home insurance, it is essential to know the differences...Read more
16 Apr 2024 by Policybazaar 309 Views

Reviews & Ratings

4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.