Property & Fire Claims Assistance

Immediate personal safety and emergency services take priority. Leave dangerous structures, follow instructions from fire services, police or local authorities, and seek medical help if anyone is hurt. Claims Saathi does not provide emergency response or unsafe re-entry instructions.

Once people are safe and authorities have released the scene as appropriate, property and fire claims usually involve intimation, photographic evidence, loss inventories, purchase or repair records and surveyor assessment.

We assist with documentation organisation and coordination. Cause-of-loss determinations, indemnity calculations and settlement decisions belong to the insurer and appointed surveyors under the policy.

• Homeowners or tenants intimating fire, explosion or allied perils claims as defined in their policy
• Shop or small-business owners preparing stock and contents inventories
• Customers collecting repair estimates after partial damage
• Insured parties coordinating with insurer-appointed surveyors
• Families organising purchase invoices and supporting statements after a loss

• Kitchen or electrical fire with partial structural or contents damage
• Smoke and water damage following firefighting operations
• Need to photograph rooms systematically before disposal of debris—only when safe and permitted
• Surveyor visit scheduled and inventory still incomplete
• Insurer request for purchase proofs of high-value items claimed

Never re-enter an unsafe building to gather documents or photos. Wait for clearance from emergency services or structural authorities as applicable.

1. 1

   Safety and emergency services

   Protect life first; contact fire, medical and police services as needed.

2. 2

   Claim intimation

   Notify the insurer through official channels when you are safely able to do so.

3. 3

   Secure evidence when safe

   Take authorised photographs and preserve damaged property as the insurer advises.

4. 4

   Inventory and estimates

   List lost or damaged items and obtain repair or replacement estimates.

5. 5

   Surveyor coordination

   Facilitate inspection by the insurer-appointed surveyor with organised papers.

6. 6

   Submission and follow-up

   File supporting statements and respond to assessment queries.

• Policy number and insured property address
• Date and approximate time of the incident as known
• Factual description of what was affected (structure, contents, stock)
• Fire brigade, police or authority report references where available
• Contact person for survey access to the premises
• Temporary contact address if the property is uninhabitable

Documents commonly requested may include the items below. Requirements vary based on the insurer, TPA, policy terms and claim circumstances.

Do not dispose of damaged items until the insurer or surveyor advises, unless authorities require removal for safety.

• Inventories that lack quantities, approximate ages or identifying detail
• Photographs that do not show the insured location clearly
• Estimates prepared for work unrelated to the claimed damage
• Restricted survey access without prior coordination
• Missing purchase support for items above thresholds the insurer specified

• Helping structure inventories and photograph indexes after you are safe
• Organising purchase proofs and repair estimates for survey readiness
• Supporting factual incident statements without speculative cause theories
• Coordinating document follow-ups around surveyor requirements
• Sharing available assistance-status updates through authorised channels

• Prioritise safety and emergency services above paperwork
• Intimate the insurer as soon as reasonably possible after securing safety
• Do not enter unsafe premises for Claims Saathi or for photographs
• Provide honest inventories; do not inflate quantities or values
• Follow surveyor access and salvage instructions from the insurer

The insurer and appointed surveyor assess cause, extent of loss, policy liability, underinsurance, salvage and settlement options.

Claims Saathi assists with documentation and coordination but does not determine claim approval.

You may also find these related assistance pages useful.