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To intimate to the insurer about the loss immediately, submit full
statement in writing of the claim providing the nature and extent of
loss and also the estimate of loss. Please note that if the insured
fails to intimate the claim within 14 days then insurer will not be
liable for any liability of the loss / damage.
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To take all steps to reduce and minimize the extent of loss / damage
and liability.
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To extend full co - operation to the insurer and the surveyor appointed
for completion of the survey work and for proper assessment of the loss.
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Produce all such record and proof as may be required by the surveyor
or the insurer for arriving at the extent of loss and the liability
under policy.
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Keep the damaged property under the safe custody until advised by the
surveyor / insurer regarding its disposal.
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Inform fire brigade as also policy immediately and obtain their
reports.
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Obtain fire brigade bill as fire fighting expenses are reimbursable
as part of claim.
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Obtain meteorological report if required in case of natural
calamities.
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Aspects taken into consideration during loss assessment by surveyor
Identification of the subject matter insured.
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Proximate cause of the loss and whether it is within the scope of
the policy.
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Any breach of warranty / condition, and if so, whether the breach is
material to the loss or not material to the loss.
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Extent of the loss.
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Salvage.
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Valuation.
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Documents required for settlement of a claim under the fire policy.
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Copy of the policy.
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Survey report.
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Claim form duly completed by the insured.
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Police report (for riot claims) / Panchanama (fire loss).
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Fire brigade report.
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Meteorological report (in case of flood, cyclone etc. claims).
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Photographs.
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Detailed claim bill with necessary bills / voucher.
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Copy of enquiry committee report on cause of loss if
enquiry is ordered by insured.
