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Owing to man’s lack of respect for the environment, natural calamities are not just becoming frequent, but they are also getting fiercer. Especially, in India, with such geographical diversity, different regions are always in danger of some form of natural disaster, be it avalanches and landslides in hilly areas, or tsunamis and cyclones in coastal regions. Most Indian states suffer from floods, especially during the monsoon season, when the water level rises in rivers.
Floods can bring normal life to a standstill. Apart from damage to roads, crops, and drainage systems, it can damage your home and belongings as well. However, if you have flood insurance, which is usually a part of comprehensive home insurance, you will have little to worry about. Most repair expenses will get reimbursed in that case. So, here’s more on flood insurance.
In India, it often takes people decades to save for a house. And a massive flood can destroy all of that in a few minutes. So, buying a comprehensive home insurance plan is a must. Flood insurance is a subpart of such home insurance, and when you opt for it, you become eligible to receive compensation for repairs in case you are affected by a flood.
In other words, you will be protected in case of floods caused due to overflowing rivers, or water-logging due to incessant rain in the monsoon season, or due to seawater entering city space due to tidal conditions.
India has many rivers and there are many cities and towns that are situated on banks of such rivers, like Ravi, Yamuna, Sutlej, Ganga, Brahmaputra, Mahanadi, Godavari, etc. These rivers have many tributaries too. Similarly, being a peninsular country, India is surrounded by sea on three sides - the Arabian Sea in the west, the Indian Ocean in the south and the Bay of Bengal in the east
According to the Geological Survey of India (GSI), the major flood-prone areas cover almost 12.5% area of the country. Some states bear the brunt quite regularly, like West Bengal, Odisha, Assam, Bihar, Andhra Pradesh, Kerala, Gujarat, Uttar Pradesh, Haryana, and Punjab. States like Maharashtra suffer from torrential rains and flash floods.
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1
What are the factors that determine the premium of flood insurance?
The cost of your policy depends on what all you want to protect, and therefore, the premium can vary from one individual to another. The location of your home also plays a big role. If you are more vulnerable to floods, the premium will be more. The structural strength of your house and record of past claims also play a big part.
2
Will my submerged car be insured as part of my flood insurance?
No, not unless your insurance agent offers a special package. Cars and bikes get easily damaged in floods but they are not part of your home insurance. If your motor insurance has the clause of compensating for flood-damaged vehicles, then only you will get the reimbursement.
3
What is the claim process?
At the time of a claim, the insurance company will assign an expert to assess the damage. Therefore, it is vital that you make the right declaration and possess the right documents and evidence to prove the damage. So, keep the invoices safe and whenever you can, take photos of the damage as proof. Also, inform the insurer as soon as possible.
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