Property Claim Under-Settled? Push Back.

Property claims are technically complex. A single fire claim can involve building damage, stock damage, business interruption, and machinery breakdown — each with its own valuation methodology and exclusions. Insurers often use this complexity to reduce settlements.

The first lever is the surveyor's report. Surveyors are appointed by the insurer but owe a duty of independence. If the report cuts your claim, you can challenge it by producing your own surveyor's report and asking IRDAI to direct a re-survey.

The second lever is sub-limits. Many policies have inner limits that are not obvious. Knowing where your sub-limits start matters before you accept any deduction.

The third lever is business interruption. Loss of profits is often denied because the math is not clean. We work with chartered accountants to build watertight loss schedules.

BimaHaq handles property disputes for businesses and individuals. We bring the surveying, accounting, and legal threads together so the file argues itself.