If a misfortune befalls, leave it to us but please:
Intimate such loss/ damage immediately so that a Competent Surveyor may be deputed to minimize & access the loss.
Give an account of all properties damaged or destroyed with estimated amounts having regard to their values as on the date and place of loss.
Cooperate with Surveyors by providing all necessary documents for assessment of loss and establishing liability
Cooperate with the insurer in all their activities of entering the premises, taking possession of properties, their examining, sorting, removing or selling to your account, without prejudice.
Inform particulars of all other insurances existing on the property at the time of loss.
Documents required by insurer for processing the claim:
Common Documents for all claims under a Industrial All Risks policy:
I) certified true copy of the policy along with schedule and endorsements/clauses.
ii) Claim form.
iii) Newspaper reports on the incident, if any.
v) Past claims experience.
Fire Claims (additional documents)
i) Report of Internal Committee constituted for the purpose of investigating the cause of fire.
ii) First Brigade Report.
ii) First Information Report/ letter of intimation to the police Station duly endorsed.
iv) Forensic Laboratory Report on samples collected at affected site.
v)Drug Inspector’s report on destruction of Drugs/pharmaceutical items (for claim on pharma products only)
vi) Final investigation Report.
Flood Claims (additional documents):
Explosion Claims (additional documents):
Factory inspector’s Report or Report of Director of Industrial safety and welfare.
Reinstatement of sum insured after loss:
Payment of a loss under a IAR policy diminished the sum insured by the amount paid.
To reinstate the pre-loss sum insured until next renewal the appropriate prorate premium to be paid.
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