What can I claim for the loss caused by bad weather?

What can be claimed for the loss caused by bad weather should be analyzed in detail.

1, personal loss of citizens caused by bad weather

Life insurance products, mainly life insurance and accident insurance. Life insurance is based on survival and death, and has nothing to do with weather, so it will be compensated. Many consumers will buy accident insurance in addition to life insurance. As long as the insurance contains corresponding clauses, in the event of an accident in extreme weather, except for the exemption clause, claims can generally be made according to the coverage of accident insurance.

Is it necessary to buy commercial insurance?

2. Property damage caused by bad weather

Vehicle damage insurance includes vehicle losses caused by lightning, hail, rainstorm and flood. Damage caused by the second engine start due to bad weather will not be compensated. Vehicles that have purchased car damage insurance are exempted from liability for engine damage caused by starting after the engine enters the water, and the insurance company is not responsible for compensation. Therefore, don't start the engine for the second time when the vehicle is turned off in the water in rainstorm weather, which will cause internal expansion loss of the engine. As for parking flooded vehicles, it is necessary to report the case to the insurance company at the first time to rescue the vehicles. 4S shops or regular maintenance units of corresponding brands disassemble, inspect, dry and maintain wading vehicles.

Household property of residents, such as houses and their indoor accessories, indoor decoration, indoor household appliances, furniture, etc. Losses caused by natural disasters such as lightning strike, typhoon, tornado, storm, rainstorm, flood, blizzard and hail. If you buy comprehensive family property insurance, residents can report to the insurance company for compensation.

If the fixed assets such as factory buildings and inventories insured by the enterprise suffer losses due to the above-mentioned natural disasters, they are also within the scope of insurance liability. If any insured enterprise suffers losses, it should report the case to the insurance company in time, and the insurance company will arrange surveyors to go to the site to survey the losses in time and start the claim settlement procedure.

3. Crop losses caused by bad weather

Insurance policy agricultural insurance, the general insurance company to give claims. Policy agricultural insurance purchased by farmers generally includes crop losses caused by rainstorm, flood, waterlogging, wind disaster, hail disaster, freezing disaster and drought.

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