Home Insurance - Address on policy incorrect

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Based on resolver’s experience to date, if you change your current or permanent address, you must notify your home insurer about the same.

If you found that the address of the property insured is incorrect on the policy documents, you may alert the insurer and request them to rectify the error. You may or may not have to pay an administration fee to make this change – check your policy small print.

If your home insurer fails to correct the address on your policy documents, you may visit the branch in order to get it corrected in person. You can also submit your issue via Resolver without having to go anywhere. Resolver will guide you by providing timely updates and reminders of your case.

You should know

A home insurance company is expected to resolve your complaint within 15 days. In case there’s a delay, Resolver can help you solve this issue quickly, free of charge and without any hassle. We can also help you with the next step in writing your complaint and escalating it. Click on the link below to create your account.

Home insurance protects your residence from any unseen calamity. Insurance ensures that the policyholder suffers a minimum loss when a calamity occurs. Under home insurance, coverage is provided to the home and its contents like the residents, furniture, electronics, and other valuables. Buyer has the option to go for comprehensive coverage or to get specific items covered under the policy. Home insurance protects your household in case of the following mishaps-

  1. Natural Calamities- Lightning, Fire, Flood, Earthquake, Riot/strike, Cyclone, and Landslide
  2. Man-made Disasters- Damage due to electrical short-circuit, overflowing of water pipes or tanks, damage caused by a vehicle, loss in a fire caused by a third party, etc.

In case you have a complaint against your home insurance provider, you need to follow the stated steps-

  1. Approach the designated Grievance Redressal Officer/ Cell of your Insurance Company. Lodge your complaint in writing with supporting documents. Make sure you take a written acknowledgment of your complaint. The insurance company is expected to resolve your complaint within 15 days
  2. If policyholders are not able to approach the insurance company directly for any reason, you can file the complaint through Integrated Grievance Management System (IGMS), which provides a gateway to register complaints with insurance companies established under the Insurance Regulatory & Development Authority of India (IRDAI).
  3. In case if it is not resolved within 15 days or if you are unsatisfied with the outcome, then you can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI. IRDAI will contact the insurance company to re-examine your complaint.
  4. Next, the policyholder can approach the Insurance Ombudsman if the complaint has been rejected by the insurance company, or the outcome is unsatisfactory, or the insurance company has not responded within 30 days. Insurance Ombudsman can also be approached if the value of the claim including expenses claimed is not above Rs 30 lakhs.

If you are still not satisfied by the decision of the Insurance Ombudsman, you can move the appropriate civil court or high court within 3 years of the occurrence of the grievance.

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