Cyclone: ​​If house or shop gets destroyed in Ramal cyclone, how will insurance be provided or will the issue of Act of God be raised?


Cyclone Remal has intensified into a severe cyclonic storm and reached close to the coasts of West Bengal and Bangladesh by around 8.30 pm on Sunday (May 26). The Indian Meteorological Department (IMD) had predicted winds of 110-120 kmph with gusts up to 135 kmph.

Very heavy rains have been predicted in the coastal areas of West Bengal, while heavy to very heavy rains will occur in Kolkata and its surrounding areas. In preparation to deal with Cyclone Remal, the Indian Navy is preparing to conduct a comprehensive humanitarian assistance and disaster relief (HADR) operation following standard operating procedures (SOPs). Meanwhile, if someone’s house is blown away or washed away in a cyclone or storm, we will tell you what will be the rules of insurance for it.

You will get benefit by getting insurance

In today’s time, natural disasters have become very common, disasters like earthquake, storm and cyclone keep on happening everywhere. But have you ever thought that if your house gets destroyed in such disasters, then whom will you go to or whom will you hold responsible? You do not need to blame anyone for this, you just have to get your house insured and leave everything to the insurance company without any worry.

For this, first of all you will have to go to the website that compares insurance companies, after this you will have to tell there what is the cost of your house and the goods kept in it and in what area your house is built. After this you will be given a list of necessary and correct insurance policies for your house, you will be able to get insurance for yourself after looking at your benefit, for this you will have to pay the required amount, after this the insurance policy will be given to you through a mail and by post.

Insurance coverage is available on these incidents

In home insurance, you get coverage for incidents like fire, explosion, lightning, earthquake, volcano, storm, cyclone, flood, landslide, damage caused by riot or strike, terrorism, damage caused by automatic sprinkler, theft etc. When you buy insurance, compare the coverage offered by different companies. Get insurance only after being completely satisfied. First of all, you should see what all is covered in home insurance. It may happen that the insurance company is not providing protection to your house from natural calamities and you are thinking that everything is covered. If the insurance company does not provide you cover from natural calamities, then you will be deprived of the benefits of insurance.

Government also gives compensation

For the accidents of natural disasters in India, the Central Government introduced a bill in the Lok Sabha in the year 2022. In which information was given about the rehabilitation and financial assistance of the victims of natural disasters. How to help the victims during a natural disaster. And how to compensate them in case of loss. In the bill passed regarding this, it was mentioned that if a person dies.

How much compensation will he be entitled to. According to the information given, the central government along with the concerned state government will not only provide financial help to the victim. But he will also be given other assistance. In case of death due to cloudburst, flood or any other natural disaster, the government will provide financial help of at least Rs 10. Along with this, a dependent in the family will also be given a job."text-align: justify;">Read also: Your house can start spewing fire due to one mistake of yours, keep these things in mind during summers



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