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The UAE received its most extensive rainfall in 75 years, as storms swamped the region, setting a new record since climatic data was first recorded in 1949. The country witnessed roadways swamped and even washed away in some regions, as well as flooding of homes and facilities. Given the weather-related damage caused to property and cars, it is crucial to understand the instruments available for claiming insurance to balance losses and enable timely repair.

Insurance Coverage in UAE

In the UAE, insurance coverage is a legally binding agreement between the insured and the provider to limit risks, according to Article 1026 of the Civil Transactions Law. Most insurance policies in the UAE cover rain-related damage to houses and automobiles. Comprehensive insurance coverage often covers damage caused by weather and natural disasters, such as strong rainfall, floods, and other concerns. Home and property insurance policies that cover all risks, including natural disasters, frequently include protection for damage caused by heavy rain.

Importance of Policy Examination

It is crucial to check in detail the language of the insurance policy to understand the scope of coverage and any exclusions. Exclusions may apply to specific instances, such as force majeure occurrences, which are unusual circumstances beyond anyone's control.

Force Majeure Events and Insurance Claims

Natural disasters and other force majeure occurrences may have an impact on insurance claims. Understanding the Clause: Force majeure is a legal notion that refers to unexpected situations or events that are beyond the control of contracting parties, rendering them unable to execute their obligations.

These events are often classified as natural disasters, acts of war, strikes, or other events beyond human control. In contractual agreements, a force majeure clause may relieve one or both parties from performing their commitments in specific situations, shielding them from liability for failure to perform owing to unexpected unanticipated occurrences. 

If a force majeure incident is not covered by the insurance policy, the insurance provider may not be held liable for damages, according to Article 287 of the UAE Civil Transactions Law. However, if the policy clearly covers force majeure situations such as natural disasters, rain damage, and other catastrophes, the insurance company may be legally required to indemnify the insured.

Legal Precedents

In 2021, the Abu Dhabi Court of Cassation issued a landmark verdict emphasizing the use of force majeure in insurance claims. The court clarified that force majeure must be the sole cause of damage to qualify for exemption.

Challenges with Claims

Insurance claims can be contested, particularly if the loss was caused by the insured's negligence or lack of care. For example, leaving a vehicle parked in a flood-prone location or driving through a flooded zone can make it difficult to claim insurance. In this situation, the motor insurance UAE you purchased will not help you. 

Understanding the complexities of insurance coverage, such as policy terms, exclusions, and legal ramifications, is crucial for submitting successful insurance claims for damage caused by severe rain and other weather occurrences.

Claim Car Insurance UAE

1.Get a 'To Whom It May Concern' certificate online.

•In order to apply for the certificate, please visit the Dubai Police website or download the Dubai Police app.

•Provide information about your damaged car and images of the damage.

•Pay the fee.

•You can get the certificate online within a matter of minutes.

•Notify your insurance broker.

2.Contact your insurance broker right away to report the damage.

•Seek help with navigating the motor insurance UAE claims process and acquiring the appropriate guidelines.

3.Document the damage.

•Take photos or videos of the weather-related damage as proof. This evidence will allow an accurate assessment of the degree of the harm.

4.Submit the required documentation.

•Please include copies of your vehicle registration card and a valid driving license.

•Get the original police record describing the damage and submit it immediately.

•Get repair quotes.

•Please share these estimates with your insurance broker for consideration.

5.Follow the motor insurance UAE claims process.

•Your insurance broker will walk you through the necessary paperwork and steps to file your claim.

•In order to speed up the procedure, provide all essential documentation on time and accurately.

Home Insurance

Home insurance, often known as homeowners' insurance or property insurance, provides a financial safety net to protect your home. In Dubai, home insurance protects your property against a variety of dangers, including fire, theft, vandalism, and natural catastrophes. Furthermore, it covers personal liability claims resulting from incidents on any form of property.

Types of Home Insurance

1.Building Insurance

•Building insurance protects the actual structure of your home, including the walls, roof, foundation, built-in fixtures, and structural components.

•It protects your property from a variety of threats, including fire, lightning, explosions, earthquakes, vandalism, and theft that could compromise its structural integrity.

•Building insurance is very important for homeowners as it protects their large property investment.

2.Contents Insurance 

•Contents insurance covers personal belongings in your house, including furniture, appliances, jewelry, and other valuables.

•It protects these items against theft, damage, and loss caused by a variety of factors such as fire, theft, vandalism, and natural disasters.

•Contents insurance is essential for protecting personal belongings from damage or loss.

Submitting a Home Insurance Claim

Step 1: Report Incident

Report any damage to your home or its contents, together with the necessary paperwork.

Step 2: Claims Assessment

We will begin the claims procedure after you have reported it. We document incident data, evaluate your case, and advise you on the next measures.

Step 3: Receive the Claim Reference Number.

After opening a claim, you should receive an SMS with a claim reference number within a few days. This number, along with the contact information for your local repair shop, will be provided.

You can track the status of your claim by using the claim reference number.

Required Documents

•Ensure that you have all of the essential information and paperwork to report the incident smoothly. In order to notify your home insurance claim, you will need the following:

•Policy number

•Police report (if applicable)

•Time, date, and location of the incident

•Description of what happened

•Estimated value of loss

•Claim form

•Additional documentation (required based on the loss)

•Where to Submit Your Claim

For ease of communication, report the occurrence by phone, fax, email, or online.