Home insurance: Burden of proving exclusion in a claim lies on insurer
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar pointed out that many policies exclude damage to homes left empty for long periods without telling the insurer, and said failing to keep an inventory and purchase invoices makes losses hard to prove.
More of Abhishek's views on insurance
Using a consumer commission ruling on a home insurance claim, the article explains that insurers must prove an exclusion applies before rejecting a claim, and that leakage from plumbing failure differs from gradual seepage. It also lists common exclusions and mistakes buyers make when buying cover and claiming.
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Home insurance: Burden of proving exclusion in a claim lies on insurer