01Who it's for
Homeowners in flood-prone areas
Shopkeepers carrying stock
Landlords protecting a let property
02Eligibility
Owned or rented premises
Valuation of structure and contents
No claim pending elsewhere
Long-term discounts available
03Documents needed
Property ownership or rental papers
Valuation or purchase invoices
Photographs of the premises
Stock statement for shops
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01Sum insured based on rebuilding costNot the market price of the property — what it would cost to put the structure back up, which is the only figure a claim uses.
02Contents and stock listed properlyAn unlisted item is an unpaid item. We build the inventory once, with values, and keep it.
03Flood and ground-floor clauses checkedChennai-specific: several policies quietly limit ground-floor contents. We read that exclusion before buying.
04Business interruption includedFor a shop, the trading weeks lost after a fire usually cost more than the damage itself.
Frequently asked
Chennai floods — is that covered?+
Yes, under standard fire-and-allied-perils cover. Read the exclusions with me before you buy; some policies limit ground-floor contents.
Are jewellery and electronics included?+
Only if specifically declared. I will list them on the policy so a claim isn't refused later.
Other services