Flood Loss
Prateek Fogla
(Querist) 28 May 2010
This query is : Resolved
Sir, I have a building which is covered under Standard Fire and Special Perils Insurance.This insurance policy covers loss caused due to flooding. in October 2009 my house was damaged by flooding together with hitting of either floating Trees/boulders.
However the Insurance company has denied my claim on the ground that the loss was not caused by the floods but due to hitting of boulders.
My contention is that it was the flood which caused the damage,Does stones, tree logs coming with flooding water will vitiate the claim.
Please help me and if possible give case laws.
(Tsunami claims can be case in points)
A V Vishal
(Expert) 28 May 2010
Approach the insurance ombudsman for quick relief in the matter.
Raj Kumar Makkad
(Expert) 28 May 2010
Bring all the facts in writing to Insurance ombudsman and seek releif from him failing which bring the matter to civil court. You have every right to get the desired relief.
G. ARAVINTHAN
(Expert) 28 May 2010
not even surveyor appointed means you can get quicker relief on approaching insurance ombudsman
