shanghai: insurance industry goes all out to fight against typhoon bebejia. in what situations can claims be made for damage to vehicles and houses?
2024-09-19
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xinhua news agency, shanghai, september 17 (reporter sang tong) this year's no. 13 typhoon "bebejia" is the strongest typhoon to hit shanghai in 75 years. the shanghai insurance industry is making every effort to respond to the property losses caused to the people by the wind and rain, and to assist in disaster prevention and loss reduction.
in response to the impact of this typhoon, the shanghai branches of many property and casualty insurance companies, including picc property and casualty insurance co., ltd., china pacific property and casualty insurance co., ltd., ping an property and casualty insurance co., ltd., and china life property and casualty insurance co., ltd., deployed relevant risk reduction measures and rescue resources in advance to achieve rapid response. through the "online + offline" approach, they completed multiple compensation payments on the 16th.
at about 1 a.m. on the 16th, the surveyor of china pacific property insurance shanghai branch received the first case of typhoon bebejia. the surveyor arrived at the scene in just 20 minutes, quickly carried out on-site investigation and completed the vehicle rescue, which took 47 minutes in total. at 12 noon, the claims staff of china pacific property insurance shanghai branch conducted online remote investigation and guided the customer to take photos of the losses. within 1 hour, they completed the compensation for the broken door glass of a steel processing company in shanghai due to the typhoon.
on september 16, on yueyang road in xuhui district, shanghai, xuhui municipal maintenance workers were urgently cleaning up broken branches. photo by xinhua news agency reporter wang xiang
after receiving a report from mr. shi that "there was a water leak in his home, the window screens were damaged, and the floor was soaked," the surveyor from ping an property & casualty insurance co., ltd. shanghai branch guided the customer to take on-site remedial measures and simplified the document requirements. the claim review was completed in more than three hours, and the compensation of 2,800 yuan was paid to the customer.
according to staff from the shanghai regulatory bureau of the state financial supervision and administration, many insurance policies can provide compensation for losses caused by typhoons, including vehicle insurance, household property insurance, corporate property insurance, engineering insurance, agricultural insurance, etc.
according to relevant personnel from ping an property & casualty insurance co., ltd. shanghai branch, strong winds blowing down trees and hitting vehicles, hail hitting cars, etc., all fall within the scope of the insurance company's insurance liability, and policyholders who have purchased vehicle loss insurance can obtain corresponding compensation; if heavy rain causes water to enter the insured vehicle, the insured should report the incident to the insurance company in a timely manner, but never start the vehicle again if water has entered the engine, otherwise the insurance company will not provide compensation.
the guangfulin heritage park in songjiang, shanghai, was photographed on september 16 when the strong typhoon "bebejia" arrived. photo by xinhua news agency reporter fang zhe
"in case of damage to houses, individuals who have purchased household property insurance in advance, and companies that have purchased comprehensive property insurance, all-risk property insurance and other insurance products can also make claims." according to a staff member of china ping an property & casualty insurance shanghai branch, the more common losses covered by compensation include losses caused by typhoons blowing out roofs, facades, doors and windows and other fixed objects of houses, as well as direct material losses caused by indoor leaks due to heavy rains, and damage to interior decoration and equipment due to water ingress.
the shanghai regulatory bureau of the state financial supervision and administration bureau reminds that after the typhoon, when residents and businesses are making insurance claims, they can contact the insurance company as soon as possible through various means such as telephone and internet to report the case and describe the losses in detail. the earlier the report is made, the faster the claim process will be initiated.
it is understood that many insurance companies provide online application services, which are convenient and fast. the claim settlement time is usually within one week, and the compensation scope includes direct losses, cleanup costs, etc.
