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Heavy rains have caused havoc across the country. Flood-like conditions prevail in many states. In which people's houses were washed away, but if you have taken home insurance, then your tension can end. Know how?

Due to heavy rains, flood-like conditions prevail from Himachal Pradesh to Punjab, Delhi. Many people's houses were washed away in the floods. So many people's houses were flooded. Along with heavy rains, cloudburst and flood-like conditions are also prevailing in many states of the country. So how to cover the damage to the house in such a situation? Home insurance comes in handy at such times. People whose houses were washed away due to floods or people whose houses were flooded due to heavy rains can get compensation through this home insurance. But for those who have not taken home insurance, this time is no less than a dire situation.

Lack of home insurance takers

The biggest problem is that people are still not aware about home insurance. Statistics show that only one percent of people have taken home insurance in India. There are many places in the country where incidents of heavy rains or cloudbursts keep happening frequently, but still people there are not very aware about home insurance. Due to which they have to face heavy losses in such situations. In India, usually the home insurance policy also includes losses caused by natural disasters. But for this it is important to understand some rules.

Choose insurance policy according to your location

If you are taking home insurance, then risks can be added according to your place. Comprehensive home insurance policies cover losses caused by rain or floods.

Need to add separately

In some policies, things may have to be added separately according to your needs. For example, additional premium or add-on may be required to cover floods separately. Losses caused by natural disasters are also compensated. In which damage to walls or floor or ceiling due to damage to electrical equipment, water leakage can also be compensated.

How to avail insurance

- If you want to avail insurance claim, then immediately inform the insurance company if there is any loss.

- Register the claim within 24-48 hours after the incident.

- After filing the complaint, the surveyor's investigation is done.

- The claim will be accepted after showing all the evidence.