Cloudburst and house washed away, can you get a claim for this, too? Know where to apply

If the house is washed away in a cloudburst or flood, the government gives compensation from the National and State Disaster Relief Fund. The application is made in the Gram Panchayat or Municipality. Home and health insurance can also compensate.

Recently, cloudbursts in the hilly areas of India have caused floods in many places, due to which hundreds of houses, hotels and vehicles have been washed away. After these accidents, people are not only left with debris and broken lives, but the biggest question that arises is how will the expenses be met now? Can you get help from the government or insurance company? In such a situation, let us tell you today whether you can claim for the house washed away in cloudburst and flood or not.

Government relief scheme

Under the National Disaster Management Act 2005, the central and state governments together give compensation. This assistance comes from the National Disaster Relief Fund and the State Disaster Relief Fund. In such a situation, after the flood, the relatives of the deceased get 2 lakh rupees from the center and in many states an additional four lakh rupees. Apart from this, the treatment of injured people is done at the expense of the government. At the same time, compensation for the loss of house, shop or farm is done on the basis of the survey of the local administration.

What is the application process

If you also live in hilly areas or your house has been washed away due to flood, then to claim it, you have to go to the Gram Panchayat, Municipality or Block Office and submit a written report. After this, the government officials reach the spot and prepare a report of the damage along with photos and videos. Later, identity card, property papers, photos of the damage and in case of death, death certificate and passport report are taken. This report is prepared by the district administration, while on the basis of this, the state government declares the relief amount.

What is the insurance roll

Apart from government help, if you have the right insurance policy, then in case your house is washed away in the flood, compensation can be received quickly and fast. For this, you can cover the damage caused to the walls, furniture, electronics and valuables of the house due to flood and landslide through home insurance. On the other hand, the damage caused to the engine or other parts of the vehicle due to flood can be compensated through motor insurance. Apart from this, diseases and injuries caused after flood can be treated through health insurance. Apart from these, the claim is automatically approved as soon as the rainfall exceeds the prescribed limit through parametric insurance.

Things to keep in mind

Take the insurance policy before the monsoon or disaster. Because sometimes there is a waiting period in the plan. Apart from this, timely information and correct documents are very important for relief and insurance claim. At the same time, it is necessary to increase the scope of insurance not only in the city but also in hilly and flood affected rural areas. Natural disasters are not going to stop but the right preparation, whether it is information about the government relief scheme or insurance coverage, can become a financial support in times of trouble.