Home insurance claim - flood affected in 24 nov 2015 to 8 dec 2015

Ravi (Querist) 27 June 2016 This query is : Resolved
Dear Sir,

I am one of the ill fated victim of Chennai Floods in Varadharajapuram, Mudichur Tambaram Area; my house was fully submerged by 9 and half feet water in my house; I was having house insurance with Oriental Insurance company; but having submitted all the required documents as informed by the insurance authorities till date my claim has not been settled; I wrote through proper channel from local office to the national level Customer care officer; till date it is still pending;

Queries raised:
(i) submit the photos of the flooded house - submitted
(ii) Surveyor visited and assessed the damage; but made a remark as the usual saying of any insurance company that the house is under insured - I submitted all the documentary proofs for the valuation of the house as well in my areas present selling rates.
(iii) Loss of petty jewels: I insured for more than 120 gms of gold, but the daily wearing jewels of mine and my wife lost 20 gms, for which I submitted the proof , the surveyor also seen the damages of my dressing table which was crushed floating around the house; insurance clause for jewels specifically says all risks covered; but the surveyor says this loss is not covered; it should have been kept under lock and key and the lock must have been broken to claim the damage.

I lost more than 10 lakhs of rupees worth of my house holds, but the insurance company came to conclusion to 1.9 lakhs that too not yet settled.

Mental agony on the situation of flood was unbearable, which could not understood by the Insurance company; during the calamity period every insurance companies gave the open statements that all the claims will be settled in 15 days time.

its 7th month , till date my claim has not been settled.

Sir, this is my claim history, can anyone help me how to get settle in my flood claim.

Sincerely,
S.Ravi
Mobile: 9941071598

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Kumar Doab (Expert) 28 June 2016
You may approach a very able counsel specializing in such/consumer matters.

Ravi (Querist) 28 June 2016
Thank you sir, still I would like to keep this point open to invite more opinions / suggestions about my query.

Siddharth Dev (Expert) 01 July 2016
Agreed with Ex.Kumar Doab, further one query(My) i'd like to add whether you checked value of insured goods/ property in papers(insurance).

Thank You;
www.satron19.com

Guest (Expert) 01 July 2016
Mr. Siddharth,

Very strange! You agreed with Shri R.K. Nanda, who has not contributed his opinion to this thread. So, should your opinion be rated, as below average, like you have started rating others opinions?

Kumar Doab (Expert) 01 July 2016
Ratings?

How and where?

Guest (Expert) 01 July 2016
Dear Kumar,

In fact, Mr. Siddharth Dev has been frequently pretending to rate the opinions of the experts, like average, more than average, etc., in several of his responses to queries, as if he is an overall judge over the experts.

I pointed out towards that habit of Mr. Siddharth Dev.

Kumar Doab (Expert) 01 July 2016
This has not been done by our esteemed seniors and experts.

This is not desirable and fair on anyone's part.

We don't concur to it.