The question also arises in the minds of many people that if a house is completely destroyed in a tsunami. So does he get an insurance claim too? Let us tell you if the tsunami comes and your house is swept away. So you will get insurance claim or not.

Let me tell you that natural disasters like tsunami usually come in the Act of God category. Some insurance policy covers such damage. But it does not happen in every policy. If there is a natural disaster cover or extra protection add in your home insurance, then the claim can be found on the tsunami damage.

Because most of the home insurance policy does not include tsunamis. It is an ad-on cover that has to be added separately while taking the policy. If you have only taken a fire or store cover. So there will be no claim on tsunami damage.

Therefore, while buying the policy, it is important to check which situations are being covered. If the house has been badly damaged due to tsunami or has fallen completely. So you can claim structure damage. It consists of walls, ceilings, floors, doors.

If your policy also includes content cover. So you can also get a claim for things like electronic items and couch furniture. To claim, you have to raise some important documents such as copy of the policy, photo or video of loss, local authority report and report of surveyor of insurance company.

At the same time, if you have not taken insurance. So there can be some help from the government or local administration. Such as relief funds, temporary shelters or essential items. So if you live in the coastal area or disaster prone area. So take a home insurance with a natural disaster cover.