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Property insurance claim denied? Protect what you've built.

A rejected claim after a fire, flood, burglary or structural damage can be financially devastating. Insurers often lean on technical clauses, such as under-insurance, maintenance disputes or gaps in documents, to reduce or deny the payout. ClaimsKart reviews the rejection against your actual policy terms.

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Property insurance · Flood damage

₹11,40,000

Status: reversed

  1. Rejection received

    “Damage caused by wear, not flood”

    07 Sep

  2. AI-MIL review

    Survey photos show fresh water damage

    09 Sep

  3. Grievance filed with insurer

    With an independent surveyor's report

    13 Sep

  4. Insurance Ombudsman

    Hearing after 30 days unresolved

    22 Oct

  5. Settlement credited

    Paid in full to the policyholder

    03 Dec

Illustrative example, not a real case.

Why property claims get rejected

These are the reasons insurers give most often. Many don't survive a careful reading of the policy.

  • Under-insurance and "average clause" reductions
  • Disputes over the cause of damage: structural defect or insured peril
  • Delay in reporting the damage
  • Documentation and valuation disputes with the surveyor
  • Exclusions for pre-existing structural issues
  • Rebuild value versus depreciated value

How ClaimsKart helps

  • Surveyor report review

    We check whether the damage assessment and valuation are accurate and fair.

  • Policy wording analysis

    We check whether the exclusion cited actually applies.

  • Appeal and escalation

    Representation before the insurer, IRDAI, the Ombudsman and Consumer Commissions.

If the insurer won't move, we escalate.

Your claim can go up through every redressal forum in India. We tell you at each step whether going further is worth it.

+91 70907 00771WhatsApp usMon–Sat, 9 am – 7 pm IST

  1. 01Insurer grievance cell

    A formal written grievance, within IRDAI-mandated timelines.

  2. 02Legal notice to the insurer

    A legally drafted notice citing the relevant clauses and IRDAI guidelines.

  3. 03IRDAI Bima Bharosa

    A complaint on the regulator's grievance system.

  4. 04Insurance Ombudsman

    If the grievance is unresolved after 30 days, with full hearing representation.

  5. 05Jurisdictional courts

    Filing and representation for local disputes.

  6. 06District Consumer Commission

    Filing and representation for local consumer disputes.

  7. 07State Consumer Commission

    For higher-value claims and appeals.

  8. 08National Commission (NCDRC)

    For complex, high-value, national-level disputes.

  9. 09Supreme Court of India

    With Advocates-on-Record and Senior Counsel, where a matter needs the highest court.

Other claims we handle

Don't let a wrongful rejection cost you what's yours.

Denied outright, delayed for months or settled for far less than you're owed: we'll tell you where you stand, free of charge.

Get my free assessment+91 70907 00771