The recent rains short-circuited the wiring in my house and caused a fire. Under my home insurance cover, damages due to fire are covered. Will the insurer cover this as the main cause was rain, due to which my apartment was flooded?
Samir Nair, Gurgaon
The recent rains have played havoc with a lot of lives at a lot of places. It is good that you have a house insurance policy. Under the standard fire and special perils policy, damage caused by perils like storm, tempest, flood, and inundation are covered, which means your claim on the wiring short-circuit due to rains and water logging will be covered. However, in most policies, short-circuit is excluded under the standard fire insurance. This exclusion is applied on the apparatus that suffers short-circuit. However, consequential damages due to short circuit are covered.
