In the wake of the unprecedented storms that struck the UAE on April 16, 2024, resulting in the heaviest rainfall the country has witnessed in 75 years, unfortunately many property owners are facing extensive damages. The urgency to address these damages cannot be overstated, with many properties compromised and daily lives disrupted. 

Here we will provide a detailed walkthrough of the process to claim insurance for property damages resulting from this catastrophic weather event.

Detailed Steps to File Your Property Damage Claim

Claiming insurance for property damage involves several key steps, which are especially pertinent right now given the recent severe weather:

1. Contact Your Bank 

  1. Contact your bank as soon as possible, provide them with your mortgage reference number. Your lender will provide you with a policy, policy number and relevant details. Be prepared to provide a brief description of the damage and the date it occurred. 
  1. Ideally your bank would act as the mediator between the insurance company and yourself, however in some cases, you may need to contact the insurance company directly. If that is the case, ensure the bank provides you with a step by step process on how to go about the claim.

2. Review Your Policy

Thoroughly review your home insurance policy to understand what’s covered and what’s not. This knowledge will help manage your expectations during the claims process. Common coverage includes damage from fires, storms, theft, and vandalism.

3. Document the Damage

Gather evidence of the damage by taking clear photographs or videos of the affected areas and items. Keep a detailed list of damaged or destroyed belongings, including their approximate value. Your documentation will be crucial in supporting your claim.

4. Mitigate Further Damage

Your insurance policy likely requires you to mitigate further damage to your property. This means taking reasonable steps to prevent additional harm. For instance, if your roof is damaged, cover it with a tarp to prevent water from entering your home.

5. Get Estimates

Obtain repair estimates from licensed contractors or professionals. These estimates should include the cost of materials and labor. Having multiple quotes can help ensure a fair assessment of the damage.

6. Keep Records

Maintain a record of all interactions with your home insurance company, including names, dates, and a summary of discussions. This documentation can be valuable if any disputes arise during the claims process.

7. File Your Claim

Submit your claim with all the necessary information and documentation according to your insurer’s specific instructions. Be prepared to provide all requested documentation promptly.

8. Understand the Claims Process

Your insurance company will assign an adjuster to your case. The adjuster will assess the damage and determine the amount you’ll receive as compensation. Be sure to cooperate fully during this process and provide any additional information as requested.

9. Review Your Settlement

Once your claim is processed, carefully review the settlement offer from your insurance company. Ensure it covers all necessary repairs and replacements. If you have questions or concerns, don’t hesitate to seek clarification from your insurer.

What Do Property Insurance Policies In The UAE Cover?

Standard home insurance policies in Dubai typically include the below, however this may vary based on different bank and insurance provider policies :

  • Building Coverage: Protects the structure of your home.
  • Contents Coverage: Insures your personal belongings.
  • Personal Liability Coverage: Protects against claims if someone is injured on your property.
  • Additional Living Expenses: Covers costs if your home is uninhabitable after a covered event.
  • Medical Payments: Assists with medical costs if someone is injured on your property.

Parting Thoughts

While navigating the complexities of property insurance claims in the UAE, it’s essential to have a comprehensive understanding of your policy’s inclusions and exclusions. Knowing what is covered gives you the assurance and clarity needed to file a claim effectively. 

By fully understanding the scope of your property insurance policy, you can better protect your property and navigate the aftermath of unforeseen events with confidence.

**Disclaimer: The information provided in this article is for general informational purposes only. While we strive to provide accurate and up-to-date information, bank and insurance provider policies may vary based on internal policies and specific products.