Heavy rains damage the house and the car, so know what things the insurance policy will cover.
Insurance Cover for Monsoon Damage: Due to rain, many people's houses and cars get damaged. Know what things you get covered if you have insurance.
It is raining heavily in many cities of India these days. On the one hand, while the rain has given relief to people from the heat, on the other hand, this rain has also created problems in many places. Due to heavy rains, many areas have been waterlogged. Many houses have been damaged. Even the walls have collapsed and not only the houses.
Many people's vehicles have also drowned in the water, they have also been damaged. After such a loss, the biggest question that arises is whether compensation will be given by the insurance policy in such a situation. Do insurance companies cover the damage to the house and car due to rain or not? Let us tell you what is the answer to this.
These things are covered in damage to the house due to rain
If your house is in a rain-affected area. So taking home insurance can be very beneficial. Let us tell you that usually home insurance covers two types of losses. First is the structure of the house, that is, if the walls fall or the roof breaks or the basement gets flooded, then you can get a claim for it. Second is the loss of household items which includes your furniture, electronic items and other essential things.
If items like TV, washing machine or sofa get damaged due to rain, then they can also be covered in insurance. But let us tell you that damage caused by dampness or things that slowly deteriorate during the rainy season are not included in insurance. Therefore, understand these things well while taking the policy.
What will be covered in car damage?
It is often seen that cars also get damaged during the rainy season. Many times the car gets submerged in water in heavy rain or the engine gets filled with water. If this happens to your car as well, then in such a situation third party insurance will not be of any use. In such a case, it is necessary to have comprehensive insurance and engine protection cover. This policy covers the damage caused to your vehicle due to rain. It can cover damage to body parts, paint, seats and electrical system.
Engine protection cover is necessary for damage caused by water entering the engine. Along with this, damage to extra fittings like music system, air conditioner etc. installed in the vehicle can also be claimed. But keep in mind that if you try to start the car yourself after it gets submerged in rain and the engine gets damaged, then the insurance company can reject your claim. Therefore, first read and understand the terms of insurance carefully.
