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Steps To Claim Car Insurance For Flood Damage

​You can control your diet, but you can’t control any natural catastrophic events like floods, earthquakes, hailstorms, etc. With the monsoon season coming, one can see many natural calamities like a hailstorm, floods caused due to heavy rainfall, etc. For instance, if your car also gets stuck in the middle of the flood, it will cause major damage to your vehicle. The cost of repair will be sky-high. However, if you have insured your car with car insurance then you don’t have to worry as it protects you financially against the damage caused due to accident, theft, riots, fire, and natural calamities. But do you know how to make a claim for flood damage? Your comprehensive car insurance will surely give you financial support, but you should know how to make a claim. Given below is the step-by-step guide that will help you register an insurance claim for flood damage: 

  • Step 1​: Firstly, contact your insurance provider via toll-free number or message.
  • Step 2: Then you have to tell your insurer everything honestly and precisely. Provide all the information in detail such as where was your car parked and whether you were driving the car when it broke down or not.
  • Step 3: Once you have given all the necessary information to your insurer, they will give you a Claim Registration Number, which you can use as a reference number.
  • Step 4: Then your insurer will give you the specific time, during which your car will be picked up from home and will be towed to the nearest garage.
  • Step 5: Your insurer will assign a surveyor that will analyse the damage and will inform you about what amount they will pay you as a claim towards the repair of your vehicle. Your insurer will also tell you what percentage of the amount you have to pay by yourself. The claim that you will get will be based on the terms and conditions of the policy that must have read while buying the motor insurance​. If you find any issues with the claim amount, make sure you consult with your insurer. 
  • Step 6: Once all your doubts regarding the claim amount are cleared. You can then sign the claim approval sheet. You should also keep one copy of it for future references.
  • Step 7: Then you should ask your insurer about how much time will it take for your car to be repaired. You should also regularly contact the garage for updates on your car. 
  • Step 8: Once your car gets repaired, make sure you check it properly as you don’t want your car to be in a damaged state. After you are satisfied, you need to pay the rest of amount that arises after your insurer has settled the claim.
  • Step 9: All you need to do is sign some papers and your car is ready. 

  • If you have opted for a cashless car insurance policy, then your insurer will directly settle the bill with the network garage. Make sure opt add-ons while buying an insurance plan to get maximize coverage. 

    The steps mentioned above will surely help you to make the claim for flood damage.