Guide For Flood Related Claims In India 2024

Updated On: 2023-05-31

Author : Team Policybachat

India's monsoon seasons bring with them an increased risk of floods, which can cause extensive damage to vehicles. Flood-related claims have become a significant concern for car owners, highlighting the need for adequate insurance coverage. Vehicles are vulnerable to water damage during heavy rains and floods. Water can enter the engine, damage electrical components, and affect the overall functioning of the vehicle. Such damages can be expensive to repair or render the vehicle completely unusable.

India has witnessed a rise in the frequency and severity of floods in recent years. Flood-related incidents have become more common, posing a significant risk to vehicles, especially in flood-prone areas. Flood-related claims in car insurance come with unique challenges. These may include proving that the damage was caused by a flood, providing accurate documentation of the extent of damage, and navigating the claim process smoothly. Understanding how to handle flood-related claims and ensuring adequate insurance coverage is crucial for car owners in India to protect their vehicles and mitigate potential financial losses.

Overview of Flood Related Damages in India:

Floods can be defined as the overflow of the water in a particular area submerging the land that is usually dry. Floods are one of the most dangerous natural disasters mankind is experiencing. Floods occur due to various reasons such as heavy rainfall, water channel, drainage or nala encroachments, and sudden release of water from dams. While heavy rainfall-induced flood is a natural phenomenon, man made errors like encroachments, and constructions near water bodies are also the causes of floods. In India, the monsoon season increases the risk of floods, which can cause extensive damage to vehicles. Flood-related damages in car insurance encompass a range of issues,

  • Including water ingress into the engine,
  • Damage to electrical components,
  • Interior water damage, and
  • Even complete vehicle write-offs in severe cases.

These damages can result in costly repairs or the need for vehicle replacements. It is important for car owners in India to understand the coverage provided by their insurance policies, including flood damage coverage, exclusions, deductibles, and claim procedures, to ensure they are adequately protected in the event of flood-related damages to their vehicles.

Understanding Insurance Coverage and Navigating the Claim Process

It is crucial for car owners in India to understand the extent of protection provided by flood damage coverage in car insurance policies. This coverage is typically included in comprehensive car insurance, which goes beyond third-party coverage. Comprehensive insurance offers financial protection against accidents, theft, and damages to your own vehicle. It covers repair costs and can provide reimbursement in the event of a total loss. Car insurance provides peace of mind, protecting car owners from unexpected expenses resulting from accidents, natural disasters, or theft. It serves as a safety net, relieving the financial burden during challenging times.

Car insurance policies typically cover repair or replacement costs, towing charges, and even vehicle loss reimbursement for flood-related damages. Some policies may also extend coverage to landslides or overflowing rivers/lakes. However, it is crucial for car owners to understand policy limitations and exclusions. These may include deductibles, geographical restrictions, and specific flood types covered. A careful review of policy terms and conditions is essential to grasp any limitations, exclusions, or additional requirements imposed by the insurance provider.

Immediate Steps to Take After a Flood for Flood Related Claim:

After a flood, it is crucial to take immediate steps to ensure personal safety and initiate the car insurance claim process.

1. Seek Medical Help:

The first priority should be ensuring personal safety and the safety of others involved. If there are any injuries or medical emergencies, it is important to seek immediate medical help.

2. Move the Car:

The first and foremost thing to do before or after the flood is to move the car to a high ground and a safe location. Once the flood water level reduces it is advisable to move the car out of the flood area to prevent more and more damages.

“Don’t try to start your car while moving it to a safe location. During flood water enters the engine and blocks the piston from functioning, if started the flood water damages the piston and engine beyond repair.”

The car should be towed to the nearby garage or any other safe location and the repairs are to be carried out before starting the car.

3. Inform the Insurance Company:

After moving the car to a safe location or nearby garage, call on their toll-free number or send a mail to inform your insurance company regarding the same and initiate a claim. Basic details such as the place of damage, driver’s license, RC copy, and other details are to be provided while making a claim.

“If your insurance company provides towing service the same can be availed under your insurance policy to move the vehicle from the flood area to the garage for repairs. The insurance company will provide a Claim registration number. This number should be quoted for any further claim-related queries. Once everything is sorted out, you need to sign a claim approval sheet confirming the claim amount and other terms and conditions are acceptable to you.”

4. Role of Surveyor:

After the car is parked in the garage or showroom, within 24 hours a surveyor from the insurance company will inspect the vehicle and arrive at the claim amount. The claim amount is decided by the surveyor and is approved by the insurance company. There could be scope for negotiation regarding the claim amount.

“The claim amount also depends on the coverage availed at the time of taking the insurance policy. For instance, damage to the only engine is covered only if the Engine protection cover is opted. Likewise, if the repair charges exceed more than 75% IDV of the car, then the claim will be settled under Total loss and the IDV mentioned in the policy copy will be given as claim amount to the customer.”

5. Documentation:

Documenting the damage is essential for the claims process. Take clear and detailed photographs or videos of flood-related damages to the vehicle. This evidence will help support your claim and accurately assess the extent of the damage.

6. Repairs Carried out:

Once you agree for the claim amount specified by the surveyor, repair work will be carried out by the showroom or garage and the final repair bill will be sent to the insurance company in case of cashless garages or to you in case of reimbursement. Any extra amount, which is not approved under the claim, is to be settled directly to the garage and the vehicle can be taken out after the repairs.

7. Precautions:

Taking the necessary steps to prevent further damage to the vehicle is important. If it is safe to do so, move the vehicle to a dry and secure location. Take precautions to minimize additional damage, such as disconnecting the battery, drying out the interior, or covering any exposed areas to prevent further exposure to water or elements.

8. After Repair:

After the repair is done, the garage will inform you regarding the same. Make sure to check the vehicle thoroughly before signing the discharge report. If you are satisfied the remaining amount, if any, needs to be paid, and take the vehicle delivery. Remember that once the discharge voucher is signed and the vehicle is taken out of the showroom or garage, the insurance company will not be liable for any damages left out without repair.

By following these immediate steps after a flood, car owners can prioritize personal safety, initiate the insurance claim process, gather necessary evidence, and take preventive measures to mitigate further damage to their vehicles.

How to Fill a Flood Damage Claim in India?

When filing a flood damage claim, it is important to follow a systematic approach to ensure a smooth process:

  • Gather Information: Collect all the necessary documents and information for the claim. This may include the policy details, photos/videos of the flood damage, proof of ownership, the contact information of witnesses (if any), and any relevant invoices or repair estimates.
  • Complete the Claim Form accurately and thoroughly: Provide detailed information about the flood incident, including the date, time, location, and a clear description of the damages sustained by the vehicle. Ensure that all required fields are filled out correctly and include any additional supporting documentation as needed.
  • Documents Submission: Submit the completed claim form and supporting documents to the insurance company within the specified timeframe mentioned in your policy. Adhering to the designated timeline is crucial to avoid any potential claim rejection or delays.
  • Claim Process: Track the progress of your claim and follow up with the insurance company as needed. Maintain regular communication to stay updated on the status of your claim. If there are any discrepancies or delays, do not hesitate to reach out to the insurance company's claims department for clarification or assistance.

By following these steps, car owners can effectively navigate the flood damage claim process, ensuring that all necessary documentation is provided, the claim form is accurately completed, and the claim is submitted within the required timeframe. Tracking the progress and actively following up with the insurance company helps to stay informed and address any potential issues promptly.

Tips for a Smooth Flood Claim Experience:

To ensure a smooth flood claim experience with your car insurance, consider the following tips:

  • Maintain Proper Car Maintenance Records: Keep records of regular maintenance, repairs, and any modifications made to your vehicle. These records can help establish the condition of your car before the flood and support your claim.
  • Be aware of Policy Coverage Details and Limitations: Familiarize yourself with the specific coverage provided by your car insurance policy for flood-related damages. Understand any limitations, deductibles, or exclusions that may apply. This knowledge will help you set realistic expectations and avoid surprises during the claims process.
  • Regularly Review and Update your Car Insurance Policy as Needed: Keep your car insurance policy up to date and ensure it provides adequate coverage for flood-related damages. Review your policy annually or whenever significant changes occur, such as vehicle modifications or changes in driving habits. Adjust your coverage accordingly to ensure you have appropriate protection in case of a flood incident.
  • Seek Professional Advice, if required: If you encounter challenges or disputes during the claim process, consider seeking professional advice. Insurance claim advocates or legal experts specializing in insurance claims can provide guidance, review your policy, and assist in navigating complex situations.

By following these tips, you can enhance your flood claim experience. Maintaining proper records, understanding your policy coverage, regularly reviewing your insurance, and seeking professional advice when needed will help you be prepared and make informed decisions throughout the claim process.

Assessment and Inspection Process for Flood Related Claims:

During the assessment and inspection process of flood-related damages in car insurance claims, several factors come into play:

Step 1: The insurance company assesses flood-related damages by thoroughly examining the vehicle and determining the extent of the losses. This assessment typically involves inspecting the exterior, interior, mechanical components, electrical systems, and overall structural integrity of the vehicle. The purpose is to evaluate the damages caused directly by the flood and separate them from pre-existing or unrelated damages.

Step 2:  Inspection procedures often involve the participation of assessors or surveyors appointed by the insurance company. These professionals have expertise in assessing vehicle damages and determining the validity of the claim. They may inspect the vehicle at the location or ask for it to be brought to an authorized inspection center. The inspection process may include visual assessments, diagnostic tests, and detailed documentation of the damages.

Step 3: Providing all necessary information and cooperating during inspections is vital. It is essential to share accurate and complete information about the flood incident, the condition of the vehicle before and after the flood, and any relevant documents or evidence. Cooperating with the assessors or surveyors by answering their queries and providing access to the vehicle for inspection helps in ensuring a fair and accurate assessment of the damages. Failure to provide the required information or cooperate during inspections may lead to claim delays or potential disputes.

By understanding how the insurance company assesses flood-related damages, being aware of the inspection procedures and the involvement of assessors/surveyors, and actively cooperating during the process, car owners can facilitate a thorough and accurate assessment of their claims. Providing all necessary information helps to establish the validity of the claim and supports the fair evaluation of the damages incurred due to the flood.

FAQs that are related to Flood Related Claims in India:

Are Flood Damages covered under Standard Car Insurance Policies in India?

Flood damages are typically covered under comprehensive car insurance policies in India. It is important to review your policy to understand the coverage details and any specific exclusions or limitations.

What Documents are required to file a Flood-Related Claim?

The documents required may vary depending on the insurance company but typically include the filled claim form, policy documents, photographs/videos of the flood damages, proof of ownership, and any invoices or repair estimates.

What types of Flood-Related Damages are usually covered by Car Insurance?

Car insurance policies generally cover damages caused by floods, including water ingress into the engine, damage to electrical components, interior water damage, and even total vehicle loss in severe cases.

How long does it take a flood-related claim to be settled?

The duration for claim settlement can vary depending on various factors, such as the complexity of the damages and the responsiveness of the involved parties. It is advisable to follow up with the insurance company regularly to track the progress of the claim.

Can I negotiate the claim amount offered by the insurance company?

If you believe the claim amount offered is inadequate, you can negotiate with the insurance company. Provide additional evidence or documentation to support your claim and present your case for a higher settlement.


In conclusion, being prepared and informed about flood-related claims is essential to ensure a smoother claim processing experience. Understanding your policy coverage, maintaining proper car maintenance records, and regularly reviewing and updating your insurance policy can help mitigate potential challenges during a flood incident. By taking necessary steps such as promptly reporting the claim, providing accurate documentation, and seeking professional advice when needed, you can enhance the efficiency and effectiveness of the claim process. Being proactive and well prepared ultimately contributes to a quicker resolution, enabling you to recover from flood damages and resume your normal routine sooner.

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