I and my wife had taken a joint loan from LIC Housing Finance Limited to construct a house after submitting all relevant documents. New India Assurance insured our property under Fire and Special Perils Category. Due to frequent minor tremors followed by subsequent heavy rain and slide, my whole house is in a delapidated condition. The government has even told me to vacate the property and also disconnect the electricity which I have done.
When I approached the Insurance Company for claims the Branch Manager kept on disregarding my applications given various reasons every time I visited the office. He told me that :-
1. The claim dates have lapsed so my application cannot be considered.
2. The area is slide prone so I will not get the insured amount and he has been authorised not to entertain any complaints from where my house is built.
3. Only major earthquakes will be taken into consideration.
My whole house has been declared unfit for residential purposes. I am paying a monthly EMI of Rs. 10, 057.00. to LICHFL for the same.
I had one time even had hired an advocate to write a complaint to the Insurance Company which did not fetch any response. Now, I do not even have the money to hire an advocate for further court procedures.
Please advice as to what should I do. Was this information helpful? | 
New India Assurance — non reciept of insurance claim
hii was posted from devlali to siliguri and for moving my car i had hired a truck as also took a marine insuracne for the mov. the agent from whom i took the insurance assured me that all damages were covered in the scheme
on reaching siliguri the car had suffered damage due to the transit and loading/unloading
i submitted the claim along with all the documents to silguri branch of new india assurance, who after checking the documents sent a assessor to assess the damage thereafter i was forced to carry out the repairs to the car saying that money will only be paid afterwards
thereafter the company rejected the claim saying that the same was not authorised
regards
prashant