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Claim Procedure


Janata Insurance Company Limited renders its heartiest services door to door of clients successfully & reputedly across the country through the network 7 Branches creating opportunity of employment for a good number of people in the country. Almost all the branches if Janata Insurance Company Limited is computerized for mechanized services to the clients.

Claim Settlement

Efficient and timely settlement of claim is Mercantile’s commitment and they follow a structured policy for settlement of the claim. Upon receipt of intimation of claim from the clients, we immediately inspect the defected properties and file “The First Hand report” to the claim Department. They also immediately depute an independent licensed survery flrms for assessing the quantum of loss for speedy settlement of the claim within the stipulated time.

Re- Insurance

Our protfollo is fully protected under the reinsurance arrangements made with Sadharan Bima Corporation- a state- owned organization and few other renowned foreign Re- insurers.

Claim procedure:

If a misfortune befalls, leave it to us but please:
  • Intimate such loss/ damage immediately so that a Competent Surveyor may be deputed to minimize & access the loss.
  • Give an account of all properties damaged or destroyed with estimated amounts having regard to their values as on the date and place of loss.
  • Cooperate with Surveyors by providing all necessary documents for assessment of loss and establishing liability
  • Cooperate with the insurer in all their activities of entering the premises, taking possession of properties, their examining, sorting, removing or selling to your account, without prejudice.
  • Inform particulars of all other insurances existing on the property at the time of loss.

Documents required by insurer for processing the claim:

Common Documents for all claims under a Industrial All Risks policy:
I) certified true copy of the policy along with schedule and endorsements/clauses.
ii) Claim form.

iii) Newspaper reports on the incident, if any.
iv) Photographs.
v) Past claims experience.
Fire Claims (additional documents)
i) Report of Internal Committee constituted for the purpose of investigating the cause of fire.
ii) First Brigade Report.
ii) First Information Report/ letter of intimation to the police Station duly endorsed.
iv) Forensic Laboratory Report on samples collected at affected site.
v)Drug  Inspector’s report on destruction of Drugs/pharmaceutical items (for claim on pharma products only)
  • vi) Final investigation Report.

    Flood Claims (additional documents):

    Meteorological Report
    1. Explosion Claims (additional documents):

      Factory inspector’s Report or Report of Director of Industrial safety and welfare.
    2. Reinstatement of sum insured after loss:

      Payment of a loss under a IAR policy diminished the sum insured by the amount paid.
      To reinstate the pre-loss sum insured until next renewal the appropriate prorate premium to be paid.

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