Punjab has been reeling under floods for the past many days. All 23 districts of the state have been hit by floods. Punjab Floods 2025 till September 4 claimed 43 lives. Over 3.8 lakh people have been impacted in the state and rescue-relief operations are still going on.
The Punjab Government is not able to estimate the number of house damaged and number of animals that have lost their life. The Government will estimate once the water level goes down.
However, multiple videos are available that confirm that houses of residents suffered major damage in Punjab Floods. Many houses also swept away in Punjab Floods. Now, the question arises is there is any insurance that can compensate you for the damage caused to your house from the Punjab Flood Impact? Continue reading below to know the answer-
An official of New India Insurance informed True Scoop, if you have taken house policy, it insurances the items that have been kept in your house from Burglary and other mishaps. It covers goods, jewellary, electronics. Under this, you have to provide a list to the insuring company.
Talking about flood, if you have taken fire policy, it also covers the flood impact. It means if your house has suffered severe damage or has been swept away, you are eligible to be insured under this.
As per Bajaj Alianz's official website, flood insurance shields homeowners against monetary losses brought on by flood damage. It covers flood-related damage to your house's contents and structure, which is not typically covered by standard home insurance.
It's crucial to understand that while flood damage requires a separate flood insurance policy, water damage from leaks or broken pipes is covered by conventional house insurance.
While some regions experience floods more frequently, heavy rainfall anywhere can lead to flash floods or overflowing rivers. Flood insurance provides financial protection, providing vital coverage for your property in the event of a flood.
If your home becomes uninhabitable due to flood damage, flood insurance may cover additional living expenses, such as temporary housing and meals, while your home is being repaired.
Note: Every insurance company has its policy on modifications.