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"We are always at your service to settle your claim as early as possible.
The only thing we need is your help and co-operation. It is a good practice
to carefully read all the terms and conditions of the policy and understand
the policy coverage so that there is no misunderstanding in the process
and settlement of claims."
PROCEDURES FOR LODGING FIRE CLAIMS
As soon as a claim occurs, be sure to inform us verbally immediately by
telephone followed
by a written intimation. After receiving your intimation of the claim,
we will be deputing a Surveyor for the Survey formalities. The Surveyor
might/will ask for the following documents:
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Claim Form duly filled up (provided by the Company)
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Detail Estimate of
Loss/Damage.
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Bill/Cash memo towards Repair/Replacement with formal VAT paid
details, if any.
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Copies of Invoice/bills for the purchase of affected properties/bill
of quantity.
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Witness Report / Sarjamin Muchulka
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Police Report in Original
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Extract of Stock register/sales bills, in case of stocks.
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Report on occurrence from local authorities/fire
brigade/meteorological
report
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Salvage disposal particulars/value
To
enable us to settle your claim as early as possible and to your satisfaction,
please make sure that the above documents are submitted to us, in absence of which the claim process may be delayed. After the complete
documents are received by the Surveyor he will be submitting us his reports
based on the information and documents provided by you. We will then study
the reports and decide on the claim complying with the relevant terms
& condition of the Policy in every respect. If any further document
and information is required from your side, we may be contacting you again.
Please
make sure that
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The
secondary precautionary measures are taken to prevent further loss
(in case
of theft of property after fire damage, insurance company will not be
liable for such losses )
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The salvage items of the parts are preserved till the claim
is finally settled (we may be asking you to surrender such salvage items).
But in most of the cases surveyor shall suggest a monetary value and
adjust such amount in claim assessment.
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Understand
properly the assessment of claim prepared by surveyor.
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Always
ensure that your insurance coverage represent full market value to
avoid any under insurance.
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Please
note indemnity method is as per insurance Policy.
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