A Candle can eliminate the darkness but if the flame of the candle spreads it can eliminate our lives, our loved ones and our property. This is why you must consider purchasing a fire insurance.
As a child have you burnt your finger in the flame of a candle? Or for instance, while cooking have you felt the heat of the burning flame. Also, have you experienced the heat from holding a hot vessel?
If you have, then why don’t you take a precaution now? Avail a fire insurance, don’t get burnt from an old flame twice. A fire may ignite at anytime from anywhere sometimes maybe even because of your neighbour’s negligence.
What does a fire insurance cover?
A fire insurance is a safety measure that everyone must opt for as it covers your business and personal essentials. If a fire has damaged your personal effects or business property, then a fire insurance will rescue you from paying those ultra expensive bills. Moreover, it also covers your personal liability such as employees or guests. By taking this intelligent step you will be assured about the coverage on your assets. Additionally, a fire insurance covers your house property and other structures attached with it.
Why opt for a Fire Insurance?
When we look back in history The fire insurance policy took birth after the devastating Great fire. The incident took place in London and killed more than one lakh residents. Also, the fire destroyed over 13000 houses. Thus the mishap laid the foundation for the emergence of the fire insurance policy.
The perils covered in this insurance policy are fire ,lighting, explosion, aircraft damage, strike, storm and many more. You may also choose to cover your building whether residential or commercial, plant and machinery ,stocks in godown ,bullion, work of arts, as well as important documents and liquid assets. Furthermore, the policy extends to an owner’s building, shopkeepers, any education institutions like schools, college, university ,hotels ,banks ,industries, hospitals and many more.
However, most of the fire accidents are caused by electric defaults. This is why one must be careful especially people working in hospitals and the IT sector
How do I claim my insurance?
- Firstly, File an FIR
- After which, a surveyor will be appointed
- Cooperate with the surveyor and the insurer while handing over all the documents.
- Give them a detailed description of
- Elaborately explaining details of the lost assets and damaged property
- Finally keep them informed about your insurance and the add ons.
Fact: According to Fire Risk Survey (FRS) risk of fire remained 8.45% thus indicating that it is the 5th highest risk in the industry. In case of the hospital the risk is at 2nd position, for ITS it is 4th position, and 6th place for infrastructure