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Flood Insurance Coverage for Your Home

Owing to man’s lack of respect for the environment, natural calamities are not just becoming frequent, but they are also getting fiercer. Especially, in India, with such geographical diversity, different regions are always in danger of some form of natural disaster, be it avalanches and landslides in hilly areas, or tsunamis and cyclones in coastal regions. Most Indian states suffer from floods, especially during the monsoon season, when the water level rises in rivers.

Floods can bring normal life to a standstill. Apart from damage to roads, crops, and drainage systems, it can damage your home and belongings as well. However, if you have flood insurance, which is usually a part of comprehensive home insurance, you will have little to worry about. Most repair expenses will get reimbursed in that case. So, here’s more on flood insurance.

What is Floods Insurance

In India, it often takes people decades to save for a house. And a massive flood can destroy all of that in a few minutes. So, buying a comprehensive home insurance plan is a must. Flood insurance is a subpart of such home insurance, and when you opt for it, you become eligible to receive compensation for repairs in case you are affected by a flood.

In other words, you will be protected in case of floods caused due to overflowing rivers, or water-logging due to incessant rain in the monsoon season, or due to seawater entering city space due to tidal conditions.

Zones in India

India has many rivers and there are many cities and towns that are situated on banks of such rivers, like Ravi, Yamuna, Sutlej, Ganga, Brahmaputra, Mahanadi, Godavari, etc. These rivers have many tributaries too. Similarly, being a peninsular country, India is surrounded by sea on three sides - the Arabian Sea in the west, the Indian Ocean in the south and the Bay of Bengal in the east

According to the Geological Survey of India (GSI), the major flood-prone areas cover almost 12.5% area of the country. Some states bear the brunt quite regularly, like West Bengal, Odisha, Assam, Bihar, Andhra Pradesh, Kerala, Gujarat, Uttar Pradesh, Haryana, and Punjab. States like Maharashtra suffer from torrential rains and flash floods.

Inclusions

Floor Damage

• Damage done to the flooring because of water entering your home

short circuit

• Any damage done because of a short circuit caused by water leakage

Furniture Damage

• Damage to furniture, if your insurance plan mentions personal belongings

Structural Damage

Damage done to walls, ranging from the structure to the paint

water leakage

Water leaking from the roof. And not just leakage through cracks and joints, but also structural damage, as stagnant water on the roof can weaken

Exclusions

Wilful negligence

The insurance doesn’t cover damages caused due to wilful negligence of the owners

Wilful destruction

Damages caused wilfully by the owners are not covered under this policy

Non-disclosure of fault

At the time of taking the policy, the insured should provide correct information about the product in a transparent manner.

Items not listed

Any item not listed in the agreement won’t be covered.

Debris

The policy will not cover debris removal

Time lapse

If you don’t inform about the damage on time

Lapsed Policy

Any damages that occur outside the insurance period are not covered

Why HDFC ERGO?

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Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our in-house claims team provides round the clock support to ensure a hassle-free claim experience. We ensure to be your constant support system in times of need.

Why HDFC ERGO?

Catering to customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing a wide range of plans and add on covers for every portfolio.

Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Why HDFC ERGO?

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.

Why HDFC ERGO?

Secured #1.5+ Crore Smiles

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.

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Frequently asked questions

1.What are the factors that determine the premium of flood insurance?

The cost of your policy depends on what all you want to protect, and therefore, the premium can vary from one individual to another. The location of your home also plays a big role. If you are more vulnerable to floods, the premium will be more. The structural strength of your house and record of past claims also play a big part.

2.Will my submerged car be insured as part of my flood insurance?

No, not unless your insurance agent offers a special package. Cars and bikes get easily damaged in floods but they are not part of your home insurance. If your motor insurance has the clause of compensating for flood-damaged vehicles, then only you will get the reimbursement.

3.What is the claim process?

At the time of a claim, the insurance company will assign an expert to assess the damage. Therefore, it is vital that you make the right declaration and possess the right documents and evidence to prove the damage. So, keep the invoices safe and whenever you can, take photos of the damage as proof. Also, inform the insurer as soon as possible.