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    Flood Loss Guide Line

    Uploaded by

    Naishadh Desai
    This document provides guidelines for loss allowances and repair costs for various household items and vehicles damaged during flooding. For household contents, it lists 25 items such as fans, microwaves, refrigerators, and mattresses and specifies their loss allowance percentages ranging from 50-90% depending on the item. It also provides repair costs for items like TVs, washing machines, and furniture if partially submerged. For clothing, it lists loss allowance percentages for various fabrics from 20-80%. Similarly, for motor vehicles, it outlines labor costs for cleaning and repairs depending on the level of flooding and type of vehicle.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Flood Loss Guide Line

    Uploaded by

    Naishadh Desai
    49 views4 pages
    This document provides guidelines for loss allowances and repair costs for various household items and vehicles damaged during flooding. For household contents, it lists 25 items such as fans, microwaves, refrigerators, and mattresses and specifies their loss allowance percentages ranging from 50-90% depending on the item. It also provides repair costs for items like TVs, washing machines, and furniture if partially submerged. For clothing, it lists loss allowance percentages for various fabrics from 20-80%. Similarly, for motor vehicles, it outlines labor costs for cleaning and repairs depending on the level of flooding and type of vehicle.

    Original Description:

    guide lines for flood claim in india

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    This document provides guidelines for loss allowances and repair costs for various household items and vehicles damaged during flooding. For household contents, it lists 25 items such as fans, microwaves, refrigerators, and mattresses and specifies their loss allowance percentages ranging from 50-90% depending on the item. It also provides repair costs for items like TVs, washing machines, and furniture if partially submerged. For clothing, it lists loss allowance percentages for various fabrics from 20-80%. Similarly, for motor vehicles, it outlines labor costs for cleaning and repairs depending on the level of flooding and type of vehicle.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    49 views4 pages

    Flood Loss Guide Line

    Uploaded by

    Naishadh Desai
    This document provides guidelines for loss allowances and repair costs for various household items and vehicles damaged during flooding. For household contents, it lists 25 items such as fans, microwaves, refrigerators, and mattresses and specifies their loss allowance percentages ranging from 50-90% depending on the item. It also provides repair costs for items like TVs, washing machines, and furniture if partially submerged. For clothing, it lists loss allowance percentages for various fabrics from 20-80%. Similarly, for motor vehicles, it outlines labor costs for cleaning and repairs depending on the level of flooding and type of vehicle.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 4

    GUIDELINE FOR FLOOD DAMAGED HOUSE HOLD

    CONTENTS VALUE LOSS / LOSS ALLOWANCE


    ITEM DETAILS LOSS ALLOWANCE
    SR.NO
    1 FANS 50%
    2 COOLERS 50%
    3 MIXERS / GRINDERS 50%
    4 MICROWAVE OVEN 80%-90%
    5 TELEPNONE 90%
    6 MOVE CAMCODER 90%
    7 FAX MACHINE 85%
    8 COMPUTER, MOBILE, PRINTERS 80%-85%
    9 HARD DISC, CD, DVD 90%
    10 WASHING MACHINE 70%
    11 COOKING GAS STOVE 50%
    12 CLOCK / WATCHES 70-80%
    13 LED /LCD TV SET 70 %- 90%
    14 All others TV 0.7
    15 B/w TV Set 70%
    16 VCR /VCP 70%
    17 Music System with CD 85%
    18 Portable Audio 85%
    19 CD Player 85%

    20 Refrigerator (Fully submerged) 60%

    21 Refrigerator Partially submerged : 50%

    22 Flour Mills wooden casing 70%


    23 Geyser 75%
    24 Mattress (All types) 80-90%
    25 Air Conditioners 50%
    REPAIRING AMOUNT
    Partially
    Fully
    HOUSE HOLD Submerge / Repair LIFE in years
    Submerged
    SR.NO Basis

    1 Colour TV As Above* ₹ 2,000.00 10

    2 B/W TV As Above* ₹ 1,000.00 10

    3 Ghar Ghanti As Above* ₹ 3,000.00 10


    Washing M/c(As per make &
    As Above* ₹ 2,500.00 7
    4 type)
    5 Toster @ 70% ₹ 350.00 10

    6 Mixer As Above* ₹ 850.00 10


    Mattress/Pillow (Cotton) Mattress
    As Above* At actual 5
    7 (Coir/foam)
    8 Table Fan As Above* ₹ 850.00 10

    9 Sofa set (Types) At actual 15

    10 Fixed Furniture At actual 15

    11 Tepoi At actual 15

    12 Single Bed repairing At actual 15

    13 Double Bed repairing At actual 15

    14 Ceiling Fan As Above* ₹ 850.00 15

    Refrigerator As Above* At Actual Repair Cost 15


    15
    16 Clothes At Actual 5

    17 Utensils & Etc.. At Actual 5

    18 Iron At Actual 5

    19 Radio At Actual 5

    20 Wall clock At Actual 5

    21 Wrist Watch At Actual 5

    22 Iron cupboard repair/colour ₹ 750.00 10

    23 Electric Motor & Pump ₹ 750.00 15


    Borewell Elect.Pump Set 1
    ₹ 1,500.00 15
    24 HP-5HP

    25 Wooden Furniture At Actual 15


    DEPRECIATION AND SALVAGE IS TO BE CONSIDERED WHERE MENTIONED "AT ACTUAL"
    NEW CLOTHS / REDAY MADE
    Sr.No. QUALITY LOSS ALLOWANCE

    GREY CLOTH

    1 GREY CLOTH POLYSTER 40%

    2 GREY CLOTH NYLON 20%

    3 GREY CLOTH VISCOSE 80%

    SHIRTINGS/ SHIRTINGS/DRESS MATERIALS

    4 PURE SILK.. 70-80%

    5 POLYSTER 65%

    6 NYLON 45%

    7 COTTON [DEPENDS UPON COLOUR] 50-80%

    8 WOOLEN 50-60%

    SAREE/READY MADE DRESS

    9 BANARASI SAREE 70-85%

    10 POLYSTER SAREE – PRINTED 50-65%

    11 NYLON SAREE – PRINTED 35-45%

    12 VALUE ADDITION [EMBROIDERY] SAREES 70-90%

    13 POLYSTER/VISCOSE/COTTON BLEND 70-85%

    14 READY MADE GARMENTS UPPER BRAND 70-85%

    15 READYMADE GARMENTS ORDINARY BRAND 60-70%

    16 SHIRTING-SUITING TAKAS/ROLLS- BRANDED 65-75%


    MOTOR CAR LABOUR ALLOWANCE FOR FLOOD DAMAGED VEHICLE.(GUIDE LINES)
    THIS IS GENERAL PURPOSE GUIDE LINES
    A B C
    Upto Seat base. (Seating
    VEHICLE CATEGORY Upto Carpet Level Dashboard Submerged. (Full)
    Level)
    Car, Omni, Alto ₹ 3,550.00 ₹ 6,550.00 ₹ 10,700.00
    in case of non A/C vehicle ₹ 2,750.00 ₹ 5,750.00 ₹ 9,900.00
    Zen, Wagon R, Santro/xing, Getz, Uno, Palio,
    Indica, Mariz, Ikon, Siena, Corsa, Indigo, Marina, ₹ 4,750.00 ₹ 8,950.00 ₹ 14,250.00
    Fusion
    Swift, Esteem, Baleno, Versa, accent, Honda
    ₹ 5,950.00 ₹ 10,150.00 ₹ 16,650.00
    City, Optra, Lancer, Fiesta

    Sonata, Elantra, Vitara, CRV, Endevour,


    ₹ 8,300.00 ₹ 13,050.00 ₹ 21,400.00
    Terracan, Accord, Skoda, Corolla, camery, Civic

    Gypsy, Sumo, Tavera, Saffari, Quallis, Bollero,


    ₹ 4,750.00 ₹ 8,950.00 ₹ 14,250.00
    Scorpio, Innova
    BMW, Merc, Audi, other high range vehicles ₹ 11,600.00 ₹ 18,300.00 ₹ 30,000.00

    Other than dealer's workshop 15% less in above charges.


    LPG Kit End. In R.C. Book & Policy Rs.1250/-
    CNG Kit End. In R.C. Book & Policy Rs.1500/-
    Towing Charge for S.M.C. City Area Rs. 700/-

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