How to File a Homeowner’s Insurance Claim After a Fire-Accident

Posted on: Nov 11, 2024 | 3 mins | Written by: HDFC ERGO Team

How to File a Homeowner’s Insurance Claim After a Fire-Accident

A fire can be devastating, for the property as well as the occupants. To ensure maximum safety and protection, you must invest in a good and very comprehensive home insurance policy that offers well-rounded protection against dangerous issues like fires. If you have such a plan already and have had a fire incident in your residence, here are some tips on what to do next. Read on to know more.

Steps to take following a fire

1. Evacuate

Evacuate the premises immediately if a fire breaks out. Remember, there is nothing more precious than your life and the lives of your loved ones.

2. Do not tamper with the evidence

Return to the house once the fire has been tamed. Assess the damage, but remember not to touch or move anything. Click photographs or collect any evidence of the fire damages, without moving things around.

3. Collect what you can

Collect whatever you can from the debris such as the original homeowners insurance policy document, as you will need it when making a claim.

4. Arrange the documents

You will need a list of documents to make the claim. From the policy document to your KYC documents, all the paperwork needs to be filed appropriately for smooth claim redressal.

5. File an FIR

If you suspect any foul play, file an FIR at the nearest police station, and submit a copy of the FIR receipt to strengthen your insurance claim.

6. Fill up the claim form

Next, you will have to file a fire insurance claim. Download the claim form from the official website of your insurance provider. Fill up the form accurately and honestly. Do not have any discrepancies here, as that can lead to a quick claim refusal.

7. Make a submission

Cross-check the details on the form and also certify all the documents. Once that is done, go ahead and submit your claim.

Follow these steps and you will be able to get the claim seamlessly. After you submit your application, the insurance provider will send a surveyor. Allow the surveyor to inspect the property thoroughly as your final claim amount will depend on his report.

word of caution

Whether you are filing a claim under your renters insurance policy or your own property insurance plan, ensure you follow the protocols and make a valid claim. Your claim will only be successful if it is valid, legal and supported with the correct documents. Read the policy wording carefully to understand the scope of coverage and the clauses stated by your insurer. Once that is done, submit a genuine and error-free application and you should be able to get the claim amount easily.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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