Obligations of the Insured
Every insured is expected to behave as though he is uninsured. It is better to take all precautions to prevent/aggravate loss. After lodging an FIR with your area police station, please inform the insurance company – they have to be given an opportunity to inspect the damages. In case of fire, you also have to first call the fire brigade. During firefighting, any damage caused to other insured property caused by water will be paid by insurance company. Cooperate with the surveyor while they are inspecting and assessing the loss. If arrival of surveyor is likely to be delayed, then you can take photos and shift unaffected assets to a place of safety. Please give completed claim form and documents as required by insurer, in support of your claim. After repairs/replacement, you have to submit bills to insurer.