ICICI Lombard Home Insurance is a joint venture between ICICI Bank and FairFax Financial Holdings Limited. Home Insurance provides financial protection to homeowners against unexpected risks and damages to their property. It typically covers losses arising from natural disasters like fire, earthquake, floods, and storms, as well as man-made incidents such as theft, or burglary. Depending on the plan, home insurance can protect not only the structure of the house but also its contents like furniture, appliances, and valuable personal belongings.
This blog covers the step by step process to claim ICICI Lombard Home Insurance.
What does ICICI Lombard Home Insurance cover?
- If your house is damaged due to natural disasters such as earthquakes, cyclones, floods, storms, etc., home insurance can be claimed.
- You can be compensated if damage is due to riot, malicious damage and terrorism.
- Home insurance can be claimed if there are losses due to fire, lightning strikes, or explosions.
- You can claim insurance, if your home is damaged due to bursting and/or overflowing of water tanks, apparatus and pipes.
- If damage is due to rail/road vehicle or animal by direct contact, insurance can be claimed.
Documents Required to Claim ICICI Lombard Home Insurance
- Duly filled and signed claim form
- Policy copy
- FIR (wherever applicable)
- Investigation Report by the police (NTR)
- Invoices of the suppliers for replacement
- Final Bill of Repairers
- Invoices of owned articles, if required
Step by Step Process to Claim ICICI Lombard Home Insurance
Step 1: Intimate the Claim
To start the claim process, you should notify ICICI Lombard immediately after the incident. To notify call the ICICI LOMBARD customer care number at 1800-2666, and once you provide essential details like policy number, date and time of the incident, and a brief description of the damage or loss a surveyor will be appointed to estimate the loss or damage, based on the type of loss viz. fire / burglary etc.
Step 2: Register the claim and Survey Inspection
Once you provide essential details like policy number, date and time of the incident and a brief description of the damage or loss and then a surveyor will be appointed in 48 hrs to estimate the loss or damage, based on the type of loss via fire / burglary etc.
Step 3: Submit required documents
Fill the claim form and submit following documents
- Duly filled and signed claim form
- Policy copy
- FIR (wherever applicable)
- Investigation Report by the police (NTR)
- Invoices of the suppliers for replacement
- Final Bill of Repairers
- Invoices of owned articles, if required
Step 4: Verify and Settle:
Once you submit all the required documents, the surveyor will review and verify them. After verification, the insurer calculates the settlement amount as per the policy terms, limits, and applicable deductibles. If it is a cashless claim, the payment is made directly to the network hospital, garage, or service provider. In case of a reimbursement claim, the policyholder first pays the expenses out of pocket, after which the approved claim amount is reimbursed through NEFT, RTGS, or cheque.
Common Reasons for Rejection of ICICI Lombard Home Insurance Claims
ICICI Lombard may reject your home insurance claim for the following reasons:
1. Excluded Damages
Your claim may be rejected if the loss or damage arises from situations or causes that are specifically excluded from the policy.
2. Delay in filing
You need to file your claim within the specified time limit. If you report it late or miss the deadline, the insurance company may take longer to process your claim or could even reject it.
3. Policy Lapse
If your policy is lapsed due to non-payment of premium, the insurer is not liable to pay for the damage.
4. Incomplete documents
Your home insurance claim can be rejected due incompletion of documentation such as missing FIR, fire brigade report, bills, photographs, or repair estimates.
5. Incorrect information
The insurance company will send a surveyor to check the damage. They may also ask questions to people who were around during the incident. If the surveyor finds any false information or inconsistencies in your statement, your claim can be rejected.
Tips to Ensure Smooth Claim of ICICI Lombard Home Insurance–
Here are some tips to ensure a smooth claim process for ICICI Lombard Home Insurance:
1. File Your Claim on Time:
Always report the claim immediately after the incident, as delays can lead to rejection.
Example: If your house suffers water damage due to heavy rain, inform ICICI Lombard within 24–48 hours instead of waiting weeks.
2. Understand Policy Exclusions
Go through your policy terms carefully to know what is not covered, avoiding surprises during claim settlement.
Example: If your TV stopped working due to a manufacturing defect, it won’t be covered, as home insurance excludes regular wear and tear.
3. Cooperate with the surveyor
Assist the surveyor during inspection and provide all required evidence for faster claim assessment.
Example: If your home is damaged due to a fire, show the surveyor burnt appliances, damaged furniture, and provide bills or photographs of the items to support your claim.
4. Provide accurate information
Never give wrong or hide facts about the incident and damage. If you give false or exaggerated information, it can lead to delays, partial settlements, or even complete rejection of your claim.
Example: claiming that more items were damaged than actually were can lead to rejection of the claim.
5. Renew Your Policy On Time
Always renew your home insurance before it expires as an active policy ensures continuous protection of your house.
Example, If your roof leaks during the rainy season and your policy has expired, the damage won’t be covered.
FAQ’s about ICICI Lombard Home Insurance
How do I claim ICICI Lombard Home Insurance?
If your home is damaged or something is stolen, inform ICICI Lombard as soon as possible. Once the claim is registered, they will guide you on the next steps and documents required.
How can I register a claim?
You can register a claim online, through the ICICI Lombard mobile app, or by calling customer care—whichever is easiest for you.
What documents will I need?
You’ll usually be asked for your policy copy, photos or videos of the damage, and supporting reports such as an FIR for theft or a fire brigade report for fire-related incidents. Bills or invoices for damaged items may also be required.
Who is allowed to file a claim?
The policyholder can file the claim. An authorized family member can also do it if needed.
How long does claim settlement take?
It depends on the type of damage and how complex the claim is. Once all documents are submitted properly, ICICI Lombard works to settle the claim as quickly as possible.
Can my claim be rejected?
Yes, claims can be rejected if the damage isn’t covered under your policy, if documents are missing, or if incorrect information is provided.
How can I avoid problems during the claim process?
Report the incident immediately, share accurate details, and submit all documents on time. This helps avoid delays or rejection.
What if the damage to my home is only partial?
You can still file a claim. The insurer will assess the damage and pay compensation as per your policy terms.
Can I claim for household items and valuables?
Yes, if your policy includes coverage for home contents, you can claim for damaged or stolen belongings.
Do I have to pay anything while claiming?
If your policy includes a deductible, you’ll need to pay that amount. The rest is covered by ICICI Lombard after verification.
Can I track my claim status?
Yes, you can track your claim online, through the app, or by contacting customer support.
Conclusion
Claiming ICICI Lombard Home Insurance is a simple and transparent process when you know the right steps. Whether your home has suffered damage due to fire, theft, natural disasters, or accidental loss, filing a claim quickly ensures faster support and smoother settlement.
By promptly informing the insurer, submitting the required documents, and cooperating during the assessment, you can get your claim approved without unnecessary delays. Home insurance is a crucial financial safety net understanding the claim process helps you stay prepared and protected when it matters the most.
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