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Home Insurance Policy For Appliances

Are Appliances Covered Under Homeowners Insurance Policies?

Homeowner’s insurance offers limited coverage for food loss because of refrigerator failure.

Related Articles

  • 1 List of Things Not Covered by Homeowners Insurance
  • 2 Refrigerator Failure After a Lightning Strike
  • 3 Does Typical Homeowners Insurance Cover the Replacement of a Furnace & AC?
  • 4 Would My Broken Air Conditioner Be Covered Under My Homeowners Insurance?

Some of the risks involving appliances are covered under a homeowner’s policy. Other risks are not. It all depends upon the cause of the appliance failure. Like all insurance policies, coverage is spelled out in great detail. In simple terms, look to the exclusions to determine what is not covered. For appliances, a few simple principles determine whether or not the homeowner has a claim when an appliance fails.

Normal Wear and Tear

Normal wear and tear to appliances is not covered under a homeowner’s insurance policy. Every appliance eventually wears out. At some point the refrigerator just stops working. There is usually no one event that causes the loss. Protection for the homeowner is available, but not through homeowner’s insurance. Companies sell home protection, or home warranty, plans. These plans cover the gap left by homeowner’s insurance.

Appliances and all electric devices are susceptible to lightning strikes. Smart homeowners unplug appliances and electronics during storms. In the event an appliance is damaged due to lightning, homeowner’s insurance usually provides coverage. It is normally fairly easy to prove lightning damage. Insurance companies experience a spike in claims during storms. An examination of the appliance will likely reveal the cause of the damage.

Power Failure

A surge in electric power that damages an appliance is not covered under homeowner’s insurance. A sudden fire that may be related to electric current usually would be covered. The difference is the latter is considered an accident or one-time occurrence while power surges are considered to be normal events. An extended total power failure that results in food loss in a refrigerator or freezer is usually covered. Check the policy as there is generally a limit such as $500. To file the claim each item would have to be documented along with its retail price.

Deductible

Remember that most policies have a deductible and many homeowners increase the deductible to lower the premium. A $500 deductible means that in reality only appliances with a value over $500 will be covered. The homeowner is not insured for the first $500 worth of damages. This threshold also applies to spoiled food in the refrigerator. A claim that amounts to just over the deductible is probably not worth filing. The small amount of money received would most likely be offset by an increase in premiums in the future.

Are Home Appliance Warranty Plans Worth Buying?

Do you have a trusted appliance lying around your household for the past few years that you don’t want to give away or replace? Yet you are worried that it’s going to crash pretty soon leaving you with no other option other than repairing it or replacing it with a new one? Fret not! This article will shed some light on how to insure your household appliances against potential breakdowns

Let’s begin by comparing Home Warranty from the Homeowner’s insurance policy. The primary difference between the two is that Home Warranty covers repairs and replacements of failed appliances and systems, while the the Homeowner’s Insurance covers damages caused to your home and its content by natural hazards or theft. You can always find a contractor to repair your damaged appliances, but more often than not the costs involved in such scenarios are rather high. The other option that you have is to apply for a Home Warranty plan.

The Home Warranty plan is a contract of service that covers repairs and replacement of appliances and systems in your home. Depending on the kind and extent of coverage you wish to avail, the annual premium for the Home Warranty plan can range anywhere between $ 250 to $ 450. In addition, each time you approach the warranty company for a service, you have to pay a service fee usually called as the deductible. This is around $ 50. You can take a look at the table below if you want to know he systems and appliances that are covered under the Home Warranty Plans.

If you have doubts regarding whether or not your appliances need a Home Warranty Plan right now, take a look at the following chart. It tells you what the average lifespan of the common household appliances.

Now lets discuss the most important question.

What kind of plans are available and do I actually need them?

Let me clear the former first. You have two options, you can either avail an extended warranty for each appliance or you can get a Home Warranty which covers all your appliances. Although, getting extended warranty on each appliance is not a wise decision, the best way out is to get a Home Warranty.It is also suggested that if your appliances are not new and over four years old, getting a Home Warranty will turn out to be highly useful. However, if your home and the appliances you own are reasonably new and still covered by the Manufacturers warranty, you may want to consider taking an extended warranty. You can click here for further details and comparisons between the two.

If you are wondering how this works then here’s the answer. The company offering a Home Warranty plans often sign contracts with vendors offering repair services to appliances. Each time you approach your warranty provider with a claim, they call up these repair facilities which in turn sends a technician to evaluate the condition of your appliance.He shall decide if your appliance needs to be repaired or replaced.Service charges(deductible fee) of the technician shall be paid by you and it is always nominal.

Things to know about appliance protection plans

If you have read so far, then it would mean that you are genuinely interested to know as much as possible about Home Warranty plans. Few hiccups that you may encounter are as follows:

  • Home warranty plans are a way to ensure security and to reduce maintenance costs. They don’t provide blanket coverage nor do they pay for pre-existing issues.
  • All companies do not offer the best customer service. Make sure that the Home warranty company you choose comes with high recommendations.
  • Ensure that you read the contract for Home Warranty thoroughly.This ensures that conflicts do not arise later.
  • Many a times, it is often seen that Home Warranty companies opt for repairs rather than replacement of the damaged appliance. Further, waiting period for this is also considerably long in some cases. Worst of all, claims are sometimes rejected on unclear grounds or by bringing up small clauses from the contract that are often overlooked by the customers.

It is again stressed that you read your contract carefully and have it looked over multiple times , paying immense attention to the monetary factors.

Do I really need Appliance Protection?

Despite the issues that were mentioned, it is advised that you insure your appliances by availing a Home Warranty Plan. Costs incurred during repairs and replacements can be considerably reduced if you have a sound Appliance Protection plan. Also, if you choose to sell your home while the Home Warranty plan is still valid, the value of the property is likely to be higher than when it is sold without a Home Warranty. Most buyers recommend strongly in favor of Home Warranty plans. You are likely to do the same if your choice of home warranty provider is good.

Here is the summary of benefits you shall have if you avail a Home Warranty Plan

  • Confidence: This is something that can rarely be bought with money. Home Warranty Plans provide you a tension free life. It does so by relieving you from worries about unexpected expenses occurring due to damage of your appliances.
  • Broad coverage: Almost all your appliances and systems are covered by the U.S. Home warranty contract.
  • Affordable prices: The annual premium as well as the deductible you pay are both affordable to an average U.S. citizen.
  • Budget protection: To those of you who just purchased a new home and had to spend quite a lot on one time expenses like drapes, landscaping etc, the first year in your new home is not the ideal time to expect financial drains due to faulty appliances.
  • Lawsuit avoidance: Assuming that you sold your home while it was still covered by the Home Warranty, any appliance that sustains damages will be taken care of by the home warranty company. If the appliance was not covered by a Home Warranty, it may often result in the buyer suing the seller.

May it be reminded again that reading the contract well is of utmost importance. You can get a free estimate on home warranty from top rated companies on our website before you purchase the plan.

Are Appliances Covered Under Homeowners Insurance Policies?

If something happens to your appliances, they might be covered by your homeowners insurance.

More Articles

Is your stove having a meltdown, your refrigerator leaking or your washer refusing to agitate? You can call your local repairman or order a new appliance, but don’t call your insurance agent. Appliances that don’t work due to normal wear and tear are not covered under homeowners insurance policies.

When Homeowners Insurance Covers Appliances

If your appliances are destroyed in a fire, or a lightning strike fries them, homeowners insurance should pay for replacement. The same holds true if a burglar breaks in and makes off with appliances or electronics, such as your TV set. Most burglars aren’t looking for washers, dryers and similar items, but if you are a victim of a large-appliance thief, homeowners insurance should cover you.

However, if your appliance was fried in a power surge but the cause wasn’t a lightning strike, much depends on the policy. Some companies will cover damage caused by power surges unrelated to lightning strikes, and some will not. It’s a question to ask your agent when purchasing or renewing your policy. Keep in mind that standard homeowners insurance policies do not cover floods, so unless you have specific flood insurance, your appliances and the rest of your house are not covered for such damage.

Appliance Exceptions

Certain appliances may fall under your homeowners insurance policy’s dwelling coverage when they aren’t working, but these are built-ins such as furnaces or hot water heaters, according to Allstate.

Appliance Warranty

When you purchase any new appliance, you are generally offered a free standard warranty, which is usually good for a year, and the option to purchase an extended warranty. Most consumer groups advise against purchasing such extended warranties, also known as service contracts, arguing that not only are they too expensive, but many contain exclusions in the fine print that can deny coverage. Parts are often excluded, so you could pay good money for an extended warranty only to find that whatever broke the appliance in question isn’t covered. Extra fees for services you probably thought were included in the warranty also add up.

If you purchased your appliance via credit card, the credit card company may automatically extend your one-year warranty for another year, so check with your card issuer if the appliance breaks down within that period.

Home Warranty

If your homeowners insurance won’t cover a broken appliance and you didn’t purchase an extended warranty, are you out of luck? Not necessarily, if you have a home warranty policy. As with any policy, review it carefully before purchase and make sure any questions you have about coverage are answered by a company representative in writing.

Most home warranty policies are renewable annually. Expect to pay several hundred dollars per year for the basic plan, with costlier plans providing more benefits. Homeowners insurance policies have deductibles, but home warranty plans generally charge a service fee when a repair person has to come to the home. When deciding whether a home warranty plan is right for you, look into the details of a plan offering. Some plans have limits on what they will pay in replacement costs, so you could end up paying quite a bit out of pocket should a major system, such as your HVAC, go down. You often don’t have a choice when it comes to who will do the repairs. You can’t call your own service provider and have them do the work, then expect the home warranty company to pay the bill. The warranty company may balk at replacing an item and opt to repair it instead, but replacement may have been your better choice in the long run.

Take Care of Your Appliances

If you’re concerned about appliance breakdowns but don’t want to purchase extended warranties or a home warranty, extend the useful life of your appliance with regular maintenance. It’s also crucial to know the useful life of your appliances. A major appliance that breaks down after a couple years of use is one thing, but if your appliance is more than a decade old, you are likely better off getting a new one than fixing an out-of-date model. If your appliance is nearing the end of its useful life, but not there yet, start looking for sales and bargains on a replacement.

Are Appliances Covered Under Homeowners Insurance Policies?

Homeowner’s insurance offers limited coverage for food loss because of refrigerator failure.

Related Articles

  • 1 List of Things Not Covered by Homeowners Insurance
  • 2 Refrigerator Failure After a Lightning Strike
  • 3 Does Typical Homeowners Insurance Cover the Replacement of a Furnace & AC?
  • 4 Would My Broken Air Conditioner Be Covered Under My Homeowners Insurance?

Some of the risks involving appliances are covered under a homeowner’s policy. Other risks are not. It all depends upon the cause of the appliance failure. Like all insurance policies, coverage is spelled out in great detail. In simple terms, look to the exclusions to determine what is not covered. For appliances, a few simple principles determine whether or not the homeowner has a claim when an appliance fails.

Normal Wear and Tear

Normal wear and tear to appliances is not covered under a homeowner’s insurance policy. Every appliance eventually wears out. At some point the refrigerator just stops working. There is usually no one event that causes the loss. Protection for the homeowner is available, but not through homeowner’s insurance. Companies sell home protection, or home warranty, plans. These plans cover the gap left by homeowner’s insurance.

Appliances and all electric devices are susceptible to lightning strikes. Smart homeowners unplug appliances and electronics during storms. In the event an appliance is damaged due to lightning, homeowner’s insurance usually provides coverage. It is normally fairly easy to prove lightning damage. Insurance companies experience a spike in claims during storms. An examination of the appliance will likely reveal the cause of the damage.

Power Failure

A surge in electric power that damages an appliance is not covered under homeowner’s insurance. A sudden fire that may be related to electric current usually would be covered. The difference is the latter is considered an accident or one-time occurrence while power surges are considered to be normal events. An extended total power failure that results in food loss in a refrigerator or freezer is usually covered. Check the policy as there is generally a limit such as $500. To file the claim each item would have to be documented along with its retail price.

Deductible

Remember that most policies have a deductible and many homeowners increase the deductible to lower the premium. A $500 deductible means that in reality only appliances with a value over $500 will be covered. The homeowner is not insured for the first $500 worth of damages. This threshold also applies to spoiled food in the refrigerator. A claim that amounts to just over the deductible is probably not worth filing. The small amount of money received would most likely be offset by an increase in premiums in the future.

Home Insurance: A Shield Against Loss/Damage

Home Insurance: Choose the best home insurance policy at PolicyBazaar and safeguard your house from natural and man-made disasters.

  • Compare Home Insurance from Top Insurers
  • Lowest Premium on Home Insurance
  • Instant Home Insurance Online

A house is made of walls and beams; a home is made with love and dreams.”

There is no such place like home in the entire Universe. After all, it is a place where you and your loved ones can rejoice, weave thousands of memories that last for a lifetime. While we put our life’s savings into buying or constructing a home but we rarely realize that our home needs a protection in the form of insurance too. By investing in a good home insurance policy, also referred as home owners insurance, you can protect your home from threats. Situations like burglary, fire, earthquake or destruction of house due to riots are quite common in India.

Don’t wait for a calamity to remind you the need of buying a home insurance, opt for it beforehand!

Top 5 Benefits of Home Insurance

There is no denying of the fact that house insurance is a must, however, there are other benefits and riders to buying such a policy that will add convince you totally. Have a look below:

  • Get comprehensive coverage to both content and structure of your home.
  • Secure your assets from any mis-happening.
  • Buy home insurance policy at comparatively lower premium rates than other insurance policies.
  • Reduce stress and tension level for you’ll have a home insurance to fall back to, in case of unforeseen circumstances.
  • Timely insurance payouts allow families to go through rebuilding process quickly, helping them to move on and get back to their normal daily lives.

Handy Tips for Choosing a Home Insurance in India

There are various home insurance providers in India that offer different plans as per individual needs. To ease your selection, we have listed down important points which should be compared while choosing one home insurance company over other:

      • Check premium and coverage= Firstly, evaluate risks which your home is facing or might face in a future. For example, if you live in a flood prone area then you should ensure that your home insurance policy is covering these risks also. Also, while checking coverage, it is prudent to check if the premium fits within your budget or not. You can solicit premium quotes of individual insurers or use comparison chart to compare premium quotes.
      • Check claim settlement ratio= A good company is judged by the turnaround time of settling claims. The very purpose of insurance will be defeated if you do not get a claim when it is required. So, it is worthwhile to check the claim settlement record of companies before zeroing in on one insurer.
      • Look at company’s reputation= The first and foremost characteristics of a good company is that it has customer friendly staff. Does your insurance company have competent customer service representatives who are capable enough to resolve your queries quickly? It is always important to choose a company who is well equipped to assist you at any point of time.

Inclusions in Home And Property Insurance

Home insurance covers losses to the structure and content of your home due to natural and man-made calamities.

Fire and perils cover-

      • Aircraft damage
      • Fire
      • Lightning
      • Riot, strike
      • Storm, cyclone, flood
      • Missile testing operations

Earthquake Cover

The policy offers coverage against loss or damage to any of the insured property. However, many policies do not cover flood or overflow of the sea, rivers and lakes due to earthquake.

Burglary and Theft Cover

The contents of home are also covered against burglary or theft. The coverage will also be extended to silver articles, jewellery, precious stones and other valuable items, provided these are kept in a locked safe within your home premises.

Exclusions in Home Insurance

      • Loss or damage caused by wear & tear and depreciation
      • Loss of cash
      • Loss or damage caused by war, invasion, act of foreign country
      • Loss or damage caused by nuclear war
      • Loss, destruction or damage caused to any electronic equipment due to over-running or excessive pressure

Who Should Buy a Home Insurance?

Home insurance is meant for anyone who has a home whether own or rented. There is myth that only home-owners should buy a home insurance plan. Let us tell you case of Mr Vijay Rao and how having a home insurance policy saved him during a crisis.

Two months after Mr Rao moved to a rented apartment in Mumbai, a catastrophic fire engulfed furniture and other appliances worth Rs 8 lakh. Thankfully, he had a home insurance policy and he could manage to settle back to normal life again easily and without any financial stress.

It’s a misconception that only house owners should buy a home insurance. Although, house may belong to a landlord but it has contents which belong to you. Irrespective of the fact that whether you are a tenant or owner, buying home insurance should be your top priority.

Even, there are various insurance companies which provide exciting discounts to people who have bought over 3 home insurance covers. However, don’t let discounts make you buying those covers also which you don’t need. For instance, if you are a landlord then avoid buying a policy to cover contents of the house. Leave that to the tenant. Companies also offer discounts if you buy it for a long duration. You can insure the house for up to 10 years, which not only gives peace of mind but you also get a chance to earn lucrative discounts.

How to File for a Home Insurance Claim?

Almost every insurance company is having its own deadline within which you have to inform about your loss. These can vary between 7-15 days so make sure you do it as soon as possible. Some companies even let you do with an email or SMS. Before you file for a claim, you will have to lodge an FIR and the copy of which you need to submit with insurance company. Apart from FIR report, the other documents which you need to submit are-

      • Fire brigade report
      • Medical Officer’s Certificate for death or disability
      • Investigation report by police
      • Suppliers original invoice for replacement
      • Invoice of owned articles, if any
      • Repair estimates
      • Court summons

Note: This is an indicative list and you may be asked to submit other documents at the time of claim settlement. Click here To Read to Make Your Home Insurance Claim Easier

How to Lower Your Home insurance Premium?

Strategies that can help in bringing your home insurance premiums down are-

      • Reduce your liability by agreeing to share the burden of repairing. It will help in reducing your premium.
      • There are many such things in our house which are precious to us but there is no point in insuring them if they are too old. For instance, your 10 years old black & white TV might be working well, but there is no point in insuring it at a depreciated value. Be wary while making an inventory of products to be insured.
      • Take two or more insurance covers to become eligible to get discounts.
      • Like any other insurance plans, if insurers are convinced that you have installed all safety equipments at your home then you will become eligible to get discounted premium. If you have security guards posted 24×7 in the building and fire safety alarms installed at home, then you will get discounts in premium.

Get Ready, Get your Home Covered at PolicyBazaar

From free home insurance policy quotes to comparison among best home insurance providers in India, we at PolicyBazaar are here to secure your home from all damages/losses. With us, insuring your valuable possession, ‘Home’ is now a matter of a few clicks. One can buy or renew an existing policy through our viable platform. Moreover, if the presence of various insurance providers has perplexed you, then talk to our customer support staff who will guide you on all aspects of home insurance.

It takes years to build a house so extend, its life with a right home insurance plan!

What is home insurance?

Home insurance provides coverage to house and its contents against loss or damage caused by natural (flood, storm, landslide, etc.) and man-made calamities (theft, burglary, strike, riot, terrorism, etc.)

Mainly there are three insurable components- structure (building), content (material assets) and people (family members and third party). You can go for the specific coverage either for the structure or content. Also you can go for a comprehensive cover that includes both structure and content.

Why should I buy home insurance?

Your home is precious and probably the most expensive investment of your life. It is not immune from perils like fire, theft, flood, etc. Disasters are unwelcome guests who do not knock your door before intruding your home. So it is always good to be prepared beforehand to minimize any loss or damage to your home. Home insurance protects you from losing your hard earned money by insuring your house against man- made and natural calamities.

What are the perils covered under home insurance policy?

Home insurance offers protection against both natural and man-made calamities. Mainly, it safeguards your house from-

  1. Lightning
  2. Fire
  3. Flood
  4. Earthquake
  5. Riot/strike
  6. Cyclone
  7. Landslide
  8. Bursting/overflowing of water pipes, tanks
  9. Leakage from automatic sprinkler installation
  10. Damage caused by vehicle of a third party

What perils are not covered under home insurance policy?

Home insurance policy doesn’t offer coverage to kutcha construction and under construction building. Some of the other exclusions of the policy are-

  1. Loss/damage caused by war or terrorism activity
  2. Loss/damage caused by radioactive contamination
  3. Loss caused by pollution/contamination
  4. Destruction caused by wear and tear of the house
  5. Any loss/damage caused in residence-cum-shop
  6. Any loss/damage caused in residence-cum-office premises
  7. Loss of cash, cards or other documents
  8. Painting, antiques
  9. Loss or damage caused when the house remains unoccupied for a long tenure, usually a month.

What contents are covered under home insurance policy?

Home insurance covers the following contents-

  1. Furniture
  2. Furnishing items
  3. Expensive belongings
  4. Precious items like jewelry, gemstones, etc.
  5. Electronic items like laptops, televisions, etc.
  6. Home appliances like refrigerator, washing machines, etc.

What is the tenure of home insurance policy?

Usually, the tenure is of 1 year, but few insurers are offering plans up to a term of 30 years.

What do you mean by reinstatement cost?

It is the cost which would incur on reconstructing the damaged property. As per standard regulations, reinstatement cost includes value of foundation and it doesn’t include land cost.

How is sum assured computed?

Sum assured for the structure and content is calculated separately in following pattern.

Sum assured for the structure

Sum assured= Built up area x cost of construction per square foot

It is computed on the basis of reconstruction value and not on its market value. For instance, if the built up area of your house is 1500 sq. ft and the construction rate decided by the insurer is Rs 1000 per sq. ft., sum insured for your home structure would be Rs 15,00,000.

Sum assured for the conten

It is calculated either from the actual cash value (ACV) of the asset or from the replacement cost, i.e., Current Market Value – Depreciation

How can I bring down home insurance premium?

Methods that can prune your home insurance costs are-

    1. Increase voluntary deductible= You can lower the liability of the insurer by agreeing to bear a portion of repair at the time of claim. This helps in lowering premium.
    2. Don’t cover everything= Avoid covering very old items. Your 10-year old radio might be working fine but there is no point in insuring this low value item at a depreciated rate. Be choosy while picking items for coverage.
    3. Install safety equipments= Like car insurance, insurers award homeowners for installing safety equipments and following safety measures at home. If you have security guard posted 24×7 in the building, install fire alarm and fire fighting equipments at home, you can get discounts ranging between 10-15%.
    4. Group policies= Insurers offer 15-50% bulk discounts to group customers. The quantum of discount would depend on the condition, age and location of the building. Encourage your resident welfare association to bargain for lucrative discounts.

Avoid unnecessary covers= Don’t buy a cover just because it is there. Add-ons like terrorism cover or rent paid due to displacement will only make policy expensive.

Is compound wall covered by home insurance?

Yes, compound wall be covered by home insurance as long as it is not a kutcha construction.

Can I increase sum assured in my policy?

Yes, insurance companies allow you to increase sum assured value in your policy. At the time of increase in value, you need to pay premium for the increased sum assured for the remaining tenure.

Can I insure my house let out for rent?

Yes, you can insure your house as long as it is used as a residence and not for commercial purpose. Also the home should not be a kutcha construction.

What is debris removal? Do insurance companies cover debris removal?

If your home gets damaged then damaged portion may occupy space. You would have to remove debris to reconstruct your house. It is known as debris removal. There are many insurance companies which reimburse the amount spent on debris removal, subject to deductions.

Can an entire building or society be covered under home insurance policy?

No, an entire society cannot be covered under home insurance plan.

Is FIR necessary for home insurance claim?

FIR is mandatory incase of riots, burglary, strike, malicious damage, terrorism and larceny. However, it is not necessary in following situations-

Impact damage due to accidental losses

When does the insurance cover start?

Insurance coverage will start from the time your payment is received by the insurer.

What happens to the home insurance policy if I sell my house?

From the time, transfer of ownership becomes effective, home insurance policy stands cancelled. Insurer will refund the remaining premium for the balance period to the insured.

Can I take home insurance policy from 2 companies?

Yes, you can buy home insurance policy from two companies. At the time of claim both companies will pay you on a proportionate basis.

Can I make a claim on my partially damaged home?

Yes, you can make a claim on a partially damaged home.

What is the procedure to make a claim on partially damaged house?

Make sure you follow below steps to make a claim on partially damaged house-

  1. Inform the insurance company and send a duly filled form along with a rough estimate of the repairing work. Do not undertake any repairing at this stage, otherwise your insurer may reject your claim.
  2. After receiving claim form and requisite documents, a surveyor, appointed by the insurer, will visit your house to assess damages.
  3. The surveyor will file a report on the basis his findings. Based on his input, insurer will either accept or reject your claim application.
  4. Now you can undertake repair work. After the completion of work, surveyor will re-visit your house and submit a detailed report about repair and cost to the insurance company.
  5. After receiving bills and receipts, net liability will be computed on the basis of surveyor’s recommendation and applicable deductibles.
  6. If your claim is accepted, a cheque will be send to you at your postal address. However, if due to any reason, your claim is rejected, insurer will send a repudiation letter.

My house is damaged due to fire. Can I go ahead, do repair work and then send bills for reimbursement to the insurance company?

If your home is damaged, never undertake repair work without informing the insurance company, otherwise your claim will be rejected. Take following steps to make a claim in case of fire accidents.

  1. Inform the insurer by calling customer support number or via email.
  2. A surveyor, appointed by the insurer, will visit your house to assess damages and repair which need to be done and accordingly he will give a go-ahead for it. Never start repairing work before surveyor asses your house otherwise insurance company will not be liable to accept your claim form.
  3. Once the repair work is completed, surveyor will revisit your home. You can submit the duly filled claim form, fire brigade reports and bills to the surveyor along with additional documents requested to process claim.

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