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

How Does a Typical Home Insurance Claim Process Unfolds?

Our home is one of our biggest assets that allow us to sleep peacefully at night. It not only provides a roof to your family but itself is a huge investment. This is why it is extremely essential to cover your house under a home insurance policy.

Read more

A home insurance policy provides you with financial aid in case your house has been damaged or has suffered a loss during unforeseen incidents, such as natural calamities, fire, robbery, vandalism, etc. It compensates for the loss or damages to your home building structure as well as its contents, such as your furniture, jewellery, clothes, appliances, etc.

Whether you live in rented accommodation or at your own house, you can protect it financially with the help of a home insurance policy. Besides, you can find a variety of home insurance plans in India to cater to your different needs.

Although most people consider home insurance a luxury purchase, it is more of a necessity. Calamities do not come with a warning and when they do arrive, they create havoc that can lead to the destruction of your home.

The only way to ensure that you can rebuild your home without losing all your savings is with the help of a home insurance policy.

But to get your home insurer to pay for the loss or damages to your house due to unforeseen incidents is by raising a timely home insurance claim.

Home Insurance Claim

By raising a home insurance claim, you notify your insurer about the losses or damages caused to your home. Unless you have raised your claim within the stipulated time, your insurer will not pay for your losses. Once you have notified your insurer and submitted the required documents, your claim will be registered.

If you have raised a claim for home insurance, you may have wondered what happens after you initiate a claim. How does the insurance company decide if they want to pay for your claims and to what extent? Let’s answer these questions by taking you through the anatomy of a home insurance claim process.

What Goes Behind a Typical Home Insurance Claim Process?

Every home insurance provider has a well-laid claim process. They follow a set procedure when a policyholder raises a claim. Take a look at what does your insurer do after you raise a home insurance claim:

1. Raising the Claim

The process begins when you raise a claim for the loss or damages sustained by your house. Your claim is registered if you call your insurer’s customer support team over the phone and shoot a mail to your insurer online. Your insurer will also accept your claim if you raise it through your insurance agent.

Keep your policy document and your claim number handy so that it doesn’t get damaged along with your house.

Make sure to raise a claim as soon as possible so that you meet the claims deadline of your insurer. Also, keep a written account of how your house was damaged so that you are able to answer any questions asked by your insurer later.

2. Assigning a Claims Professional

Once you have initiated your claim, your insurance provider will assign a claims professional to navigate you through the claim process. The person will inform you about what you need to do and which documents do you need to submit to your insurer to file a claim successfully.

3. Getting in Touch

The assigned claim professional will get in touch with you and discuss your home insurance coverage. He/she will also inform you about how the company plan to go about the claim process. Make sure to pay attention to any suggestions given by the claim professional and follow them diligently to prevent any further damage to your house or its contents.

4. Damage Assessment

The claim professional will inspect your home and assess the damages. He/she will speak to the eyewitnesses and collect all evidence to estimate the damages correctly.

5. Claim Settlement

After investigating the damaged site and collecting all the evidence, the insurer will evaluate them. Based on the evaluation, your insurer  will pay you the claim amount. In the case of simple claims, payment will be made right after the first inspection. But in the case of complicated claims, payment will be made over a period of time.

For instance, the payment for the replacement cost of your house can be made in two or more instalments. In the first payment, your insurer will pay for the actual cost of the items. The further payments will cover the replacement of the items.

6. Closure of Claim

Once your claim has been settled, your insurer will close your claim. However, you can reach out to your assigned claim professional in case of any questions or doubts.

In a Nutshell

Home insurance can help you to evade major financial distress as any loss or damages to your home can be difficult to afford. In case you do need to raise a home insurance claim, make sure to do it right to avoid getting it rejected. Moreover, the above anatomy of a home insurance claim process can help you understand your insurer’s perspective more clearly.

Written By: PolicyBazaar - Updated: 01 March 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 3080 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 335 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 270 Views
Common Inclusions and Exclusions of Home Insurance Policy In India, several insurance companies are offering various...Read more
05 Apr 2022 by Policybazaar 1563 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 276 Views
A sum insured in home insurance refers to the maximum payout...Read more
18 Apr 2024 by Policybazaar 22 Views
In home insurance, it is essential to know the differences...Read more
16 Apr 2024 by Policybazaar 33 Views
Having a home of their own is a significant milestone in one's...Read more
15 Feb 2024 by Policybazaar 167 Views
Housing society insurance is a one-stop solution for all...Read more
14 Feb 2024 by Policybazaar 335 Views
Purchasing a home is one of the most financially sound decisions...Read more
07 Feb 2024 by Policybazaar 270 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.