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.
• Damage done to the flooring because of water entering your home
• Any damage done because of a short circuit caused by water leakage
• Damage to furniture, if your insurance plan mentions personal belongings
Damage done to walls, ranging from the structure to the paint
Water leaking from the roof. And not just leakage through cracks and joints, but also structural damage, as stagnant water on the roof can weaken
Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to flood, and 8% to cyclones? You can’t predict natural calamities; but you can protect your possessions against earthquake, flood, storm, hurricane, etc.
Wilful negligence
The insurance doesn’t cover damages caused due to wilful negligence of the owners
Wilful destruction
Damages caused wilfully by the owners are not covered under this policy
Non-disclosure of fault
At the time of taking the policy, the insured should provide correct information about the product in a transparent manner.
Items not listed
Any item not listed in the agreement won’t be covered.
Debris
The policy will not cover debris removal
Time lapse
If you don’t inform about the damage on time
Lapsed Policy
Any damages that occur outside the insurance period are not covered
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Excellent. I highly recommend this policy for your home
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HOME INSURANCE POLICY
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HOME SHIELD (GROUP)
Good service. Impressed with the quick turnaround time for my queries and requests. Would definitely recommend this!
LOGANATHAN P
HOME SHIELD INSURANCE
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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