If the house is destroyed in a tsunami, does one still get a claim, and is there insurance for this as well?

Tsunami House Insurance: If the house is destroyed in a disaster like a tsunami, will one get an insurance claim or not? What is the separate cover for this? Let us tell you the complete details.

After the recent strong earthquake in Russia, Japan, and Russia have issued a tsunami alert in their coastal areas. In these situations, the biggest danger is loss of life and property. Houses located on the seashore are directly hit by it.

Many people also have a question in their mind that if a house is completely destroyed in a tsunami, does one get an insurance claim for it as well? Let us tell you if a tsunami comes and your house is washed away, will you get an insurance claim or not?

Let us tell you that natural disasters like tsunami usually come under the Act of God category. Some insurance policies cover such losses. But this is not the case in every policy. If your home insurance has a natural disaster cover or extra protection added, only then can you get a claim on the damage caused by tsunami.

Because most home insurance policies do not include tsunami. This is an add-on cover which has to be added separately while buying the policy. If you have taken only fire or storm cover, then you will not get a claim on the damage caused by tsunami.

So, while buying the policy, it is important to check which situations are covered. If the house is badly damaged or has completely collapsed due to tsunami, then you can claim for structural damage. This includes walls, ceiling, floor, doors.

If your policy also includes content cover, then you can also get a claim for things like electronic items and sofa furniture. To make a claim, you have to collect some important documents like copy of the policy, photo or video of the damage, report of the local authority and the report of the surveyor of the insurance company.

On the other hand, if you have not taken insurance. So you may get some help from the government or local administration. Like relief fund, temporary shelter or essential items. So if you live in a coastal area or disaster prone area. Then definitely take a home insurance with natural disaster cover.