Home insurance policy: Know coverage nuances to avoid claim surprises
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar said homeowners can contest a rejection if an insurer labels a sudden pipe failure as seepage and offers no technical evidence. He also cautioned that insuring a home at market value rather than rebuilding cost can lead to a pro-rata settlement.
More of Abhishek's views on insurance
Using a consumer commission ruling on a home insurance claim, the article explains the difference between seepage, which policies usually exclude, and internal leakage, which they generally cover. It also covers the insurer's burden to prove an exclusion, common inclusions and exclusions, and mistakes to avoid when buying a policy, such as insuring at market value.
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Home insurance policy: Know coverage nuances to avoid claim surprises