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Protect Home From Natural Calamities With Home Insurance

Protect Home From Natural Calamities With Home Insurance: A house is one of the most expensive assets one owns in a lifetime. Yet it’s often left exposed to the risks of damage without any financial security. Most of us put in our hard-earned money to buy a house and are often reluctant to stretch further to get an insurance.

You may not be able to protect your home from such damage, but you can get financial support to recover from it. A home Insurance plan can help you get through.

Home Insurance and water damage coverage

If you take a Home Insurance plan that covers water damage, it would provide protection against water damage due to any sudden or accidental cause. However, insurers deny claims for gradual damage.

Inclusions and exclusions

Home Insurance typically offers coverage for the property and the content inside for losses incurred due to natural calamities such as earthquakes, lightning, cyclone, floods, etc. Valuable content is also covered if lost due to theft.

Understanding the terms and conditions of a policy before buying it is necessary to know what’s included and what’s not. For example, water seepage through walls and roof is not covered in the floodplain.

Rain can cause various types of damages to your home. A deluge caused due to excessive rain can be tackled by a well-protected policy. One can also get a cover for the personal belongings under the flood plan. However, flood victims are required to pay a minimal amount on account of the deductibles. The details of deductibles are decided right at the time of purchase.

Home Insurance policies purchased at the time of taking Home Loan covers building structure only. They do not cover content such as household articles and electrical appliances, which can possibly get damaged too during a natural calamity. Such policies mostly cover fire and flood. In such scenarios, the best way to buy Home Insurance is to have an adequate sum insured including a cover for the content inside.

Read Also 5 Ways to Avoid Life Insurance Claim Rejection

How to make a claim

Following are the steps you need to adapt to make a claim:

• Document all the damages caused due to rain. You can either take photographs or shoot a video.
• Try and preserve all damaged items for inspection.
• Maintain a list of the items that have to be repaired by you for temporary use.
• All claim-related documents should be well preserved for future use.

Considering Home Insurance in our country is not that expensive, it is always advisable to avail one with the required add-ons so that in the event of a heavy downpour, you are shielded from an expensive repair bill.

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