House & Car Insurance Against Natural Disasters: Does Your Insurance Policy Cover You Against Storm Damage?

Apart from endangering lives, storms also bring with them the risk of seriously damaging homes and vehicles. For comprehensive safety, it is important to ensure that your house and car are sufficiently protected by a home insurance policy and motor insurance policy, along with any necessary add-ons.

The western states of Gujarat, Maharashtra, and Goa faced the havoc of the cyclonic storm Biparjoy recently, having been put on high alert when the cyclone strengthened in the Arabian Sea.

Aside from potentially endangering lives, a storm's approach also brings with it the risk of seriously damaging homes and automobiles. For comprehensive security, it is crucial to make sure your house and car are sufficiently protected by a home insurance policy and motor insurance policy, as well as any necessary add-ons. *

Home Insurance

This product protects against different types of dangers. Your home is protected from fire, including cyclones, floods, and earthquakes, by a basic policy. *

Depending on the type of policy purchased, it can also safeguard your home’s contents from both natural and man-made disasters such as burglary. *

Coverage for such varied situations can be purchased separately or combined into a single policy (known as a comprehensive house insurance policy). *

In general, home insurance reimburses you for building costs. *

Motor Insurance

A thorough automobile insurance policy protects your car from losses and damage brought on by cyclones, floods, earthquakes, and other natural disasters. You can also check for add-on covers that will provide additional security in addition to the primary or main coverage. The engine protection cover, for instance, protects your engine during floods. *

You will have to make sure that any add-on is included in your comprehensive motor insurance plan if you live in a region that frequently experiences flooding or cyclones. During cyclones, water can enter a car's engine, rendering it vulnerable to damage. The engine is one of the most expensive components of the car, and thus, it can get expensive to have it fixed or replaced. *

Simultaneously, you should be aware of the several exclusions, to prevent any future claim from being rejected. *

Do remember that even while an add-on could shield policyholders against engine damage brought on by water infiltration, avoid driving the car while the natural disaster is actually happening, since that could be interpreted as self-contributing to the accident. *

How to Claim Insurance?

It is vital for the insured to notify the company via their customer support service. The insurance provider then designates a surveyor to assess the losses of the house before paying out on the claim. *

Relevant documents are normally requested by the insurer from the claimant. Insurance companies may occasionally simply need the policy's year and date of issuance in order to cross-reference it with their database and speed up the claim settlement process. *

The same goes for cyclone damage to your car; you must notify your insurer right away. Provide all the relevant information that will be requested by the insurer. The process will run more smoothly as a result, and your claim will be settled faster. Claims are subject to terms and conditions set forth under insurance policy. *

*Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.