Home insurance policies protect homeowners from financial loss when their property or belongings inside are damaged, destroyed or stolen. Yet many policyholders in India don’t fully understand how or when to file a claim. As a result, valid claims are often delayed, underpaid or even rejected. You need to know the right time to raise a claim, the required documents and the steps involved in doing so.
When should you claim home insurance?
Filing a home insurance claim at the right time is just as important as knowing the process itself. Your claim might be reduced or even denied if you delay or misjudge the situation. You should consider raising a claim for events like:
- Structural damage from fire, flood, earthquake or storm.
- Loss of household contents such as furniture, appliances or jewellery.
- Burglary or theft if the plan covers these risks.
Some plans also extend coverage for extra risks like damage due to riots or terrorism under special perils cover or add-ons. Many policyholders assume claims should be reserved for major losses, but that approach can backfire. Reporting moderate damages early helps you preserve evidence and also strengthens your case during assessment. Timely action ensures your insurer has the information they need to process your claim smoothly.
Steps to raise a home insurance claim in India
Here is how the home insurance claim process works:
- Inform the insurer immediately: Report the damage through the helpline, online portal or app as soon as it occurs.
- Inform the police if needed: File an FIR in cases of theft, burglary or suspected foul play.
- Collect proper evidence: Take photos or videos, note witness details and keep invoices or receipts.
- Submit claim form and documents: Fill out the insurer’s claim form accurately and attach all required evidence.
- Cooperate with the surveyor and inspection: A licensed surveyor will inspect the damage, and their report influences the settlement.
- Carry out temporary repairs if required: Do only essential repairs to prevent further loss and keep receipts for reimbursement.
- Await settlement decision and payment: The insurer will approve, adjust or reject the claim. Approved settlements are usually paid within 7–10 days.
What are the documents required for a home insurance claim?
The exact paperwork for a house insurance claim depends on the type of loss or damage, but here is a standard guide on what you will need:
Documents for building, property and contents damage
- Duly filled and signed claim form
- Detailed narration of the damages
- Original purchase invoices for damaged or lost items
- Repair or maintenance estimates and quotes
- Bills and payment receipts
- Service report from the repair agency
- NEFT or bank account details
- Policy documents or insurance agreement
- Photographs or videos of the damage
- Structural drawings or building plans, if applicable
Documents for theft and burglary
Apart from the documents listed above, you will need
- FIR copy and final police report
- Comprehensive list of stolen items with their values
- Indemnity bond or affidavit, if required by the insurer
- Discharge papers or related documentation
- KYC or identity proofs, especially if the loss value is high
Tips to avoid home insurance claim rejection
Many house insurance claims get rejected due to simple mistakes. Follow these practices to improve your chances of approval:
- Inform your insurer about the damage at the earliest, as most policies have strict timelines for reporting. Delays can lead to rejection.
- Support your claim with photographs, invoices, receipts and clear descriptions. Lack of proof is one of the most common reasons for rejection.
- Familiarise yourself with the inclusions and exclusions in your home insurance plan so you know what is covered and what is not.
- Ensure that your premiums are paid on time. A lapsed policy automatically invalidates your claim.
- If your insurer asks for additional documents or clarifications, submit them without delay to avoid unnecessary complications.
- Try to be there when a surveyor visits your home. This allows you to clarify doubts and strengthen your claim.
- The insurer may reject your claim if the damage is found to be worsened due to your inaction, such as ignoring a leaking roof.
Conclusion
A home insurance policy works best when you treat it as part of your long-term financial planning. Beyond offering protection during emergencies, it gives you the confidence to invest in your home without worrying about unexpected losses. Reviewing your coverage regularly, updating it as your assets grow and being aware of the claim process will make sure that your plan stays relevant and reliable.
FAQs
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What is a home insurance claim?
It is a formal request you make to your insurer for compensation when your house or belongings are damaged, lost or stolen.
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How much should I insure my house for?
You should insure your house for its reconstruction cost (not market value), covering the structure and optionally the contents inside.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.