Guidelines on Insurance claims of victims of Subsidence and Landslides in the calamity affected areas in the State of Uttarakhand

The Insurance Regulatory and Development Authority of India vide circular dated 19th January, 2023 has issued guidelines on Insurance claims of victims of Subsidence and Landslides in the calamity affected areas in the State of Uttarakhand. The general insurers are advised to initiate immediate steps for quick registration and disposal of
claims on the following lines: –

1. Please nominate a senior officer at the company level who would act as a Nodal Officer in the affected districts of Uttarakhand. The Nodal Officer would be coordinating the receipt, processing, and settlement of all eligible
   claims. The Nodal officer should contact the designated officers of the State Government immediately and be in regular contact thereafter.
2. It needs to be ensured that all claims are surveyed immediately and claim payments/on account payments are disbursed at the earliest and in any case not exceeding the stipulated time-line.
3. Adequate number of surveyors may be engaged immediately as required and, if need be, consider engaging surveyors from neighboring areas as well.
4. You are also requested to launch extensive awareness campaign duly highlighting the measures taken by you.
5. The Insurers shall encourage the policyholders to use electronic communication wherever possible for correspondence while intimating the claim and filing all the relevant documents. Efforts shall be made to ensure
   that digital processes are resorted to the extent possible for assessment of claims.