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Home Insurance Claim Process in India

Owning your dream house is one of the significant milestones in a lifetime. Remember, your home is not merely a shelter but a long-term investment, and you must secure it adequately with a home insurance policy. It will provide financial protection for repairing/replacing all the damages. However, if you are unsure about the process of raising a home insurance claim, this article will walk you through everything you need to know.

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8 Steps to File a Home Insurance Claim

While raising home insurance claims, time plays a crucial role. Responding immediately to prevent further losses becomes vital, especially in a fire outbreak or vandalism.

In case your damaged house does not fit to accommodate after the damages, connect with your insurer for financial assistance to cover the cost of temporary accommodation until the restoration process completes.

Here is a step-by-step guide to file house insurance claims online:

step-by-step-guide-to-file-home-insurance-claims-online step-by-step-guide-to-file-home-insurance-claims-online
  • Step 1: Report Claim Immediately
    The first thing comes first. If you have purchased home insurance online from Policybazaar.com, you can 24/7 claim assistance team to register your claims. However, if you have bought it offline, connect with your insurance agent or visit the nearest branch office of your insurance provider.
  • Step 2: Notify Authorities
    In case of theft or fire, inform the authorities, such as local police or fire brigade. Next, obtain a copy of the FIR for claim settlement.
  • Step 3: Gather Evidence
    If cameras are installed on your premises, you must collect the evidence, such as photographs, videos, or CCTV footage. Submit all this evidence to the insurance company.
  • Step 4: Third-Party Claims
    In case the damage is caused to the insured building by a third party, inform your insurer, who will raise a claim with the third party's insurer.
  • Step 5: Get Estimated Expense Quote
    Before making repairs or replacements in your insured home, send the estimated expense quote to your insurance company.
  • Step 6: Surveyor Assessment
    The insurer will assign a surveyor to assess your claim. The surveyor will investigate the emergencies, inspect evidence, and estimate the damage. Moreover, the surveyor will share further loss preventive steps. In the case of third-party claims and liabilities, he will examine the extent of policy coverage.
  • Step 7: Document Submission
    Once the surveyor verifies and accepts the claim, submit all required documents to the insurer.
  • Step 8: Claim Reimbursement
    In the case of complex claims, it might take time, and even the insurer may decide to reimburse the claim payout amount in instalments. However, if the claims are simple, the claim amount will be refunded immediately.

People also read Benefits of Buying Home Insurance Online

Things to Keep in Mind Before Claiming Home Insurance

Home insurance offers various coverages based on your requirements, including building coverage, contents protection, property liability, and more. Before the need to raise a claim arises, here are essential steps to take:

  • Understand the risks covered and exclusions of the home insurance policy before buying it.
  • Familiarize yourself with the required claim documents and procedures. In case you have any questions, contact your insurer.
  • Adhere to the terms and conditions of your policy throughout its tenure.
  • Keep your mandatory documents safe. Maintain digital copies for accessibility in case of emergencies.
  • At the time of purchase, provide accurate values for your household belongings.
  • In case of damage, immediately inform both the insurance company and relevant authorities like the local police or fire brigade.

Documents for Filing Home Insurance Claims

Since documents play a crucial role in the claim settlement process, here is a list of mandatory documents required for filing home insurance claims:

  • Duly filled and signed claim form.
  • Evidence of damage or loss includes pictures, videos, FIR, repair bills, and contractor invoices.
  • Third-party claim note (if applicable).

*Disclaimer:These are general documents required for raising home insurance claims. Additional documents may be required based on the cause of damage.

8 Tips to Avoid Home Insurance Claims Rejection

Here are a few points that you can pay attention to avoid claim rejection by your home insurance company:

  1. Provide a detailed list and value of damaged contents.
  2. Explain the cause of damage with supporting evidence.
  3. Specify the total loss amount.
  4. Keep your home insurance policy number accessible.
  5. Follow up with the insurer once claims are raised.
  6. Respond instantly to queries and provide all requested details.
  7. Be present during inspection by the surveyor.
  8. Take all the preventive measures to avoid claim rejection.

Final Call!

A comprehensive home insurance policy provides financial assistance for the damaged home, its contents, and other property aspects, along with support for temporary accommodation. For a seamless home insurance claim process, inform your claim assistance team at Policybazaar.com as soon as possible. Remember, your home is not just a place but an investment worth protecting.

Written By: PolicyBazaar - Updated: 17 April 2024
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.
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Bilaspur, July 26, 2022
Premium Calculation
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Bikaner, July 26, 2022
Natural Calamity cover
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Enough coverage
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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
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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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