How home and car insurance can protect you from natural disasters

Hurricane Amfan landed in India on Wednesday, causing heavy rain and wind speeds around 155-165 km per hour. The storm caused severe damage to Odisha and West Bengal. According to the West Bengal state government, the effect of Amphan was worse than a coronavirus pandemic, and the state’s damages from the cyclone alone could reach around Rs 1 trillion.

Many buildings and vehicles were damaged or destroyed by the hurricane, and in the aftermath of the storm, the flood caused more damage. When a natural disaster like this occurs, comprehensive home and auto insurance policies can be beneficial to address losses. “Unless something is specifically excluded in your policy, any damage will be covered as much as your insurance amount. In the event of such disasters, insurance companies set up help lines to quickly track claims, and the regulator sets guidelines. Ankit Agarwal, founder and president, said. InsuranceDekho CEO, we expect the guidelines will be announced in the next week or so. ” Here’s what your insurance policy can help you recover.

Auto insurance: A video clip recorded in a Kolkata apartment complex shows parked vehicles that collide with each other when hurricane winds strike them. Many cars were also damaged by the trees falling on them and by the floods that followed the storm.

There are two types of damage that a disaster can cause to your car: the external or internal damage of the vehicle; The engine is damaged. While the former can be easily recovered from your damage insurance part, engine damage can be difficult since repair is costly. If your car is submerged by a flood, do not attempt to start it, because water entering the engine can cause more damage, and this may not cover your insurance, because disasters such as floods are covered by your car insurance policy, but any consequential loss is not.

If there are expensive additions and accessories in your car, such as a GPS or high-quality stereo, tell your insurance company when purchasing a cover and paying an additional premium. This may seem unnecessary, but if your equipment is damaged, it will make it easier to get insurance compensation.

Home insurance: Any natural disaster, such as an earthquake, flood, or storm, can damage property. Agarwal said: “There are two types of property or home insurance policies: a basic fire insurance policy and a combined or comprehensive policy or package for homeowners.” The first covers your home against fire, lightning, storms and floods. Some insurance companies offer earthquake coverage as an addition, because the premiums can vary depending on the geographic region where your home is located.

The latter, HPP, adds more options to the basic insurance cover. It also secures your home and contents against accidents such as burglary and electrical breakdown. It also comes with optional covers such as personal accident coverage, which provide an income source for the period when you cannot work due to a temporary or permanent disability resulting from an accident. Either the cover will compensate you for damage to the structure of your home due to the hurricane and floods.

A natural disaster can turn your life upside down and recovery from damage can be a daunting task. “For those who do not have the right insurance, it may take years to rebuild their homes and their lives,” Agarwal said. Regardless of home and car insurance, life and personal accident coverage can provide additional protection, because there doesn’t mean the amount of damage done It will be caused by an earthquake or a storm. Having comprehensive insurance in its place is the key to recovering from “God’s act” such as Amfan, which can leave the path of death and destruction in its path.

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