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Landslide/ Subsidence in home insurance

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02 Dec, 2023 by  Mohan Das

Hi all,


I would like to know how insurance company decides the cause of landslide/subsidence in hills. Recently a claim of known was denied saying the land below was manually disturbed leading to subsidence, while the real cause was heavy rains.

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24 Dec, 2023

Hello Mohan,

The specific criteria for determining the cause of landslide or subsidence will be outlined in the policy wording provided by the insurance company. If you believe that the claim was unjustly denied and the actual cause was heavy rains, you have the option to file a complaint. We have a comprehensive article that explains the process of filing insurance-related complaints in India. You can check it out here: https://www.beshak.org/insurance/opinion/articles/filing-insurance-related-complaints-in-india/

I hope this helps. Thank you!

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01 Mar, 2024
RIJU Nag

Landslide and subsidence coverage in home insurance can be crucial for protecting your property against natural geological movements. Landslides can cause significant damage to your home's foundation and structure, while subsidence can lead to sinking or shifting of the ground beneath your property. Ensuring your policy includes coverage for these events can provide peace of mind and financial security in the face of unexpected geological risks.

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