Fire & Burglary (Commercial Property) — Guidance

Fire/burglary claims are proof-driven. We guide valuation, stock proof discipline and condition-awareness so claims don’t get stuck later.

Who this is for

• Warehouses and godowns storing stock
• Shops/offices with high-value goods
• Units with electrical fire load exposure

What can go wrong (common claim rejection reasons)

• Underinsurance reduces settlement
• Security conditions not met for burglary claims (as applicable)
• Weak proof trail for stock/assets

Local context

Fire claims become valuation/proof discussions. Burglary claims fail when security conditions and proof trail aren’t aligned.

Also known as

Commercial property insurance • Shop fire policy • Warehouse fire + burglary policy

What we focus on (claim-first)

• Sum insured + underinsurance avoidance
• Stock proof discipline (invoices/registers/photos as applicable)
• Security/safety conditions that affect claims
• Declaration clarity for stored goods

Claim-ready documents

• Stock proof + invoices/register/photos
• Premises photos + security proof (as applicable)
• Incident timeline + police/fire documents (as applicable)

Common mistakes we prevent

• No consistent stock proof
• Wrong valuation basis
• Ignoring policy conditions about security/safety

Fire/burglary claim reality in industrial belts

Most disputes come from valuation and proof. Keeping invoices/registers and basic premises photos (as applicable) improves claim acceptance.

Local service signals

Sholavaram fire insurance guidance • Madhavaram burglary insurance support • Red Hills godown fire insurance

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