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Tips to Ease the Claims Process for Home Insurance

08 March, 2016


From natural calamities to accidents, unforeseen events are often a cause of great stress to most individuals. Along with your own safety, a major concern during such occurrences is the protection of your home. The cost of repairs and reconstruction can result in financial crises for many individuals.

Fortunately, having home insurance can save you much trouble in such cases. In the event of such damage or destruction to your home, you can easily claim reimbursement for repairs and reconstruction. While no one doubts the importance of insurance, many believe that claiming insurance can be a tedious process.

Here are a few tips to help you out while filing an insurance claim for your home.

• Know the Terms

Be sure to take a look at the inclusions as well as the exclusions listed under your home insurance plan. With clear knowledge on the upper limits of eligible cover, you can avoid much confusion and save time filing and refilling claims.

• Take Prompt Action

The sooner you file your insurance claim, the faster the process. By indulging in unnecessary delays, you risk being too close to the stipulated deadline, and may end up losing out on the cover entirely.

• Provide Authentic Documents

It is extremely important to have all the required documents in order while filing your claim. Having authentic proof in the form of bills, receipts, and estimates allows your insurer to compute an accurate amount for the settlement. Besides, lack of documentation can result in the rejection of claims.

• Fill Accurate Information

Remember to be precise with the required information while filling out the home insurance claim form. Make sure that none of the necessary fields are left incomplete. Maintaining transparency with respect to details makes the process smoother.

• Go Online

Most companies not only allow you to buy Home Insurance online, but also allow you to file your claims through their websites. Naturally, an online process tends to be faster and more efficient.

For both the home shield policy as well as home content insurance, Royal Sundaram offers a number of lucrative benefits. Policyholders can rely on our ISO certified claim process and assistance from a dedicated helpline.

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