Suggested Documents for claims under various policies under commercial lines.
i) Fire:
Claim Form duly filled in & signed.
F.I.R, if filed. The same shall be mandatory in all cases where any third party is responsible for causing the damages and also for claims arising out of RSMD perils.
Fire Brigade Report (internal or external or both as the case may be).
Documents as mentioned in b & c above may be waived if the survey report is clear and does not cause any doubt on the occurrence as well as the extent of loss.
Laboratory test report together with the mandate given, if applicable especially in cases involving stocks of cotton/ food items/ edible oil etc.
For claims arising out of Act of God perils, documents like newspaper cuttings, photographs and meteorological reports are helpful in substantiating such losses. Where the incident is localized, not reported in the media or not recorded by any Meteorological Department, the surveyor should enquire about the incident from local government/ statutory authorities and
Record of Labor involved in activities related to claim where in house facilities are used
Original Repair/ Replacement Bills with receipt to arrive at the indemnity both for policies issued on market value or Reinstatement value clause basis
Photographs if arranged.
Loss minimization expenses incurred to control the losses.
ii) Fire [ Loss of Profit]
Claim Form duly filled in & signed.
F.I.R, if filed. The same shall be mandatory in all cases where any third party is responsible for causing the damages and also for claims arising out of RSMD perils.
Fire Brigade Report (internal or external or both as the case may be).
Books of accounts.
Loss minimization expenses incurred to control the losses.
