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Civilian Emergency Platform
DEVELOPMENT FIXTURE — Know what home crop health and life policies cover before flood fire or cyclone season.
DEVELOPMENT FIXTURE — NOT EXPERT REVIEWED — NOT FOR PUBLIC DISTRIBUTION
DEVELOPMENT FIXTURE — Policy expired unnoticed auto-debit failed.
DEVELOPMENT FIXTURE — Tenant never insured contents assuming landlord policy covers belongings.
Scene hazards: Denied claims, Underinsurance
DEVELOPMENT FIXTURE — Find policy PDF tonight — search flood exclusion keyword.
DEVELOPMENT FIXTURE — Set calendar renewal reminder 30 days early.
DEVELOPMENT FIXTURE — List high-value items photo serial numbers.
DEVELOPMENT FIXTURE — Discuss PMFBY or state crop scheme enrollment dates with krishi centre.
DEVELOPMENT FIXTURE — Insurer 24x7 claim line on policy.
DEVELOPMENT FIXTURE — IRDAI grievance if unfair rejection documented.
DEVELOPMENT FIXTURE — Surveyor visit scheduling after major event — be present if safe.
DEVELOPMENT FIXTURE — Legal aid for disputed total loss valuation.
DEVELOPMENT FIXTURE — Do NOT wait until water in living room to call insurer first time.
DEVELOPMENT FIXTURE — Do NOT sign contractor estimate as claim without insurer ACK.
MYTH: DEVELOPMENT FIXTURE — Government disaster aid replaces insurance so skip premiums
REALITY: DEVELOPMENT FIXTURE — Aid is partial and delayed. Insurance plus aid is legal where both apply — policies differ.
DANGER: DEVELOPMENT FIXTURE — Total loss home with no policy and aid insufficient to rebuild.
DEVELOPMENT FIXTURE — Many assume standard fire policy includes flood — often excluded without rider.
DEVELOPMENT FIXTURE — Claim needs before and after photos timestamps.
DEVELOPMENT FIXTURE — Bundle renters contents policy if landlord insures building only.
DEVELOPMENT FIXTURE — Keep digital inventory updated after major purchases.