How to claim insurance due to rain damage in UAE 2024

Muhamed abdo - | UAE

How to file a claim for insurance owing to damage caused by rain: An explanation of the "force majeure" clause

On Tuesday, storms flooded the UAE, resulting in the most rainfall the country has seen in 75 years. This is a record since climate records started being kept in 1949.

There was flooding over houses and buildings across the nation, with highways being submerged and in some cases completely wiped away.

Given the weather-related damage that has been done to cars and property, it's critical to know what resources are available to file an insurance claim in order to minimize costs and guarantee prompt repair.

Insurance in the United Arab Emirates

According to Article 1026 of the Civil Transactions Law, insurance acts as a legally enforceable contract between the insured and the insurance provider to reduce risks.

In the United Arab Emirates, the majority of insurance plans, including home and auto insurance, often cover rain-related damages to buildings and cars.

Rain and natural disaster-related damages, such as floods and heavy rain, are usually covered by comprehensive insurance plans.

Policies for homes and property that provide insurance against all hazards, including natural disasters, frequently cover rain-related losses.

The significance of policy analysis

It's critical to go over the insurance policy's wording carefully to comprehend the extent of coverage and any limitations.

Certain instances may be excluded, such as force majeure events, which are extraordinary occurrences outside of anyone's control.

Insurance claims and acts of force majeure

Natural disasters and other force majeure occurrences may have an effect on insurance claims.

Comprehending the clause: Force majeure is a legal term referring to unforeseen occurrences or situations that are outside the parties' control and prevent them from carrying out their responsibilities under the terms of the contract.

These are usually classified as natural catastrophes, war crimes, strikes, or other occurrences that are seen to be outside of human control.

Under certain conditions, a force majeure provision in a contract may release one or both parties from performing as agreed, shielding them from liability for nonperformance brought on by these unforeseeable occurrences.

According to Article 287 of the UAE Civil Transactions Law, the insurance company could not be responsible for damages if a force majeure event is not covered by the policy.

However, the insurance company can be required by law to compensate the insured if the policy expressly covers force majeure situations, such as natural disasters, rain damage, and other occurrences.

judicial precedents

The Abu Dhabi Court of Cassation made an important verdict in 2021 that emphasized the use of force majeure in insurance claims.

The court expounded that in order to qualify for exemption, harm must be solely caused by force majeure.

Problems relating to claims

Insurance claims may be challenged, particularly if the insured's carelessness or negligence caused the harm.

For example, driving through a flooded region or leaving a car parked in a flood-prone location might make it difficult to get insurance coverage.

Making successful insurance claims for losses brought on by severe rain and similar weather occurrences requires an understanding of the nuances of insurance coverage, including policy terms, limitations, and legal ramifications.

Claim car insurance

1. Obtain a ‘To Whom It May Concern’ certificate online:

  • Visit the Dubai Police website or use the Dubai Police app to apply for the certificate.
  • Provide details about your damaged vehicle and attach photos of the damage.
  • Pay the fee
  • Receive the certificate digitally within five minutes.
  • Inform your insurance broker

2. Contact your insurance broker promptly to report the damage.

  • Seek assistance in navigating the claims process and obtaining necessary instructions.

3. Document the damage

  • Take photographs or videos of the weather-related damage as evidence. This documentation will help assess the extent of the damage accurately.

4. Submit required documents

  • Provide copies of your vehicle registration card and a valid driving license.
    Obtain the original police report describing the damage and submit it promptly.
  • Obtain repair estimates
  • Share these estimates with your insurance broker for evaluation.

5. Follow the claims process

  • Your insurance broker will guide you through the necessary paperwork and steps to complete your claim.
  • Provide all required documents promptly and accurately to expedite the process.

house insurance
Home insurance, also referred to as property insurance or homeowners' insurance, acts as a safety net to safeguard your finances.

Home insurance in Dubai protects your possessions from a variety of threats, including as fire, theft, vandalism, and natural catastrophe damage.

It also covers personal responsibility claims brought about by mishaps on any kind of property.

Home Insurance Types

Construction-related Insurance:

Your home's walls, roof, foundation, built-in fixtures, and structural elements are all covered by building insurance.
Protecting your property from several threats including fire, lightning, explosions, earthquakes, theft, and vandalism that might compromise its structural integrity is what it offers.
Building insurance is especially important for homeowners since it protects their substantial real estate investment.
Insurance for Contents:

The primary goal of contents insurance is to safeguard your home's assets, including jewelry, appliances, furniture, and other personal items.
It includes loss, damage, and theft of these things from fire, theft, vandalism, and natural catastrophes, among other things.
Contents insurance is crucial for protecting personal property since it guarantees that possessions are protected from loss or damage.
Making a Claim with Your Home Insurance

Step 1: File an incident report

Report the damage to your house and its belongings, and provide the necessary paperwork.
Step 2: Evaluation of the Claim

After a report, we start the claim procedure for you.
We document the incident's specifics, evaluate your case, and offer advice on what to do next.
Depending on the type of loss, ADNIC Engineering Services Dept. may arrange for a survey or appoint a Loss Adjuster to conduct an inquiry.
Obtain a claim reference number in step three.

You should anticipate receiving an SMS with a claim reference number a few days after the claim is opened.
You will receive this number and the contact information for the closest repair shop.
Track the status of your claim by using the claim reference number.
Essential Records

Make sure you are prepared with all the information and paperwork needed to report the occurrence efficiently.
To notify your home insurance company of a claim, you will need:
Number of policy
Police report (if relevant)
The incident's time, date, and place
An account of the events
Value estimate for the loss
Form for claims
Based on the loss, more documentation could be needed.
Where to File a Claim

For convenience, report the occurrence via phone, fax, email, or online channels.

About Author

Muhamed abdo
Muhamed abdo
489 Total posts

Read Also

Traffic Violations: Police warn drivers in the UAE to avoid a fine of dh1,000 dirhams and 4 black points

Traffic Violations: The United Arab Emirates Police Department is warning drivers to avoid a fine of one thousand dirhams and four black points.

The UAE issues a new decision regarding residency laws

Six cases of expulsion and expulsion of foreigners from the UAE have been identified by the executive regulations of the law on entry and residence of foreigners in the UAE.

Meteorology warns residents of a thunderstorm and heavy rains in the UAE

According to meteorology, there is a thunderstorm and heavy rainfall expected in the United Arab Emirates.

UAE government donates $25 million to support humanitarian efforts in Sudan.

The United Arab Emirates (UAE) has cemented an agreement with the United Nations World Food Programme (WFP) to deliver emergency food aid to those affected by the crises in Sudan and South Sudan.

UAE summer begins with scorching temperatures soaring to 49.9 degrees

The summer season in the UAE has officially commenced, with temperatures soaring to a record high of 49.9 degrees Celsius.

Urgent.. Abu Dhabi Police issues an important warning to all citizens and residents of the emirate

In order to prevent a fire from breaking out while they were traveling, the Abu Dhabi Police General Command issued a call to citizens and residents, urging them to take the required preventative measures to safeguard their homes and goods and that...

Urgent UAE: Important warning to all travelers abroad

The Ministry of Foreign Affairs has implemented a system of alerts and warnings for citizens who are planning to travel abroad. This system is accessible through an interactive map on the Emirati Traveler page of the ministry's website and smart...

UAE launches new initiative to test effectiveness of treatments for thalassemia

Health facilities in Abu Dhabi, overseen by the Abu Dhabi Department of Health, are leading efforts in clinical trials to evaluate new treatments for thalassemia.

Dubai clarifies process for residents to claim deposited funds from local hotels

When making a reservation at a hotel in the United Arab Emirates, guests should be prepared to pay a security deposit and agree to the hotel's terms and conditions. The primary responsibilities of each party are outlined in the contract terms...

Dubai: Careem Launches Electric Delivery Motorbikes for Sustainable Revolution

In a significant move towards enhancing sustainability and urban efficiency, a pioneering initiative recently debuted with the launch of Dubai's inaugural fleet of electric delivery motorbikes, accompanied by an extensive infrastructure for...

UAE: A Step-by-Step Guide to Renewing Your Russian Passport

Ensuring the timely renewal and safekeeping of passports is critical for all expatriates living in the UAE, as it facilitates everyday life and international travel.

The UAE urges parents to install baby gates for child home safety

When children come into their lives, new parents face numerous adjustments, from maintaining a dedicated baby bag to adapting to disrupted sleep schedules.

UAE Social Media Influencers Request Clarity on New Licensing Regulations

The new requirement for both influencers and marketers to get licenses for advertising services, imposed by the Abu Dhabi Department of Economic Development (ADDED), has content creators in the UAE hoping for a more organized relationship.

UAE Bans 31 Professions for Students During Vacations

The United Arab Emirates' Ministry of Human Resources and Emiratisation has outlawed the practice of private companies hiring and training students in 31 distinct occupations during vacations from school.

UAE driving license: Who is responsible for paying traffic fines for trainees in the UAE

In the United Arab Emirates, who is responsible for paying traffic fines for breaches committed while learning?

UAE doctors caution against heat exhaustion risks as Temperatures Approach 50°C

The UAE's hot temperatures, which reached as high as 49.9ºC in certain regions on Friday, have raised concerns about the potential health hazards associated with heat-related illnesses.

UAE restaurant offers complimentary buttermilk amid peak summer heat

One Sharjah restaurant is providing a welcome respite from the sweltering desert heat as the summer solstice approaches.

Dubai airports recorded over half a million travelers during 4-day Eid Al Adha

The General Directorate of Residency and Foreigners Affairs (GDRFA) in Dubai has affirmed its preparedness for the influx of travelers returning from the Haj pilgrimage. They have implemented special measures, including a designated stamp to welcome...

The UAE warned companies and social media influencers of a fine of up to 10,000 dirhams

A maximum fine of 10,000 dirhams was issued by the United Arab Emirates to businesses and social media influencers.

UAE banks grant $22.2bn loans to small and medium enterprises (SMEs)

By the quarter's end in 2024, the total amount of loans made by UAE-based banks to SMEs had accumulated to AED81.7 billion.

UAE mandates firms to hire Emiratis within 10 days or face fines

The UAE Ministry of Human Resources and Emiratisation has given private sector enterprises just 10 days to complete their Emiratization targets or face fines.

Dubai RTA facilitated travel for 6.7 million passengers During Eid Al Adha 2024

During the Eid Al Adha holiday period from June 15 to 18, 2024, Dubai’s Roads and Transport Authority (RTA) facilitated transportation for over 6.7 million passengers across the city.

Dubai Mall Paid Parking: Fees, Free Areas, Exemptions, All important Details

Starting July 1, significant changes are set to take effect in the parking arrangements at Dubai Mall, impacting both the cost and convenience for visitors.

Dubai Reveals DSS Schedule Featuring Deals, Prizes, Concerts, and More

The 65th annual Dubai Summer Surprises (DSS) will take place from June 28th through September 1st, 2024, and will feature the same fantastic events, shopping, prizes, restaurants, and accommodation deals as in previous years.

Dubai: E-Scooter and Bicycle Accidents Claim 4 Lives, Injure 25 This Year

The Dubai Police Department released disturbing data on e-scooter and bicycle accidents in the first half of 2024, highlighting serious safety issues and the need for enforcement measures.

The accommodation deals in the UAE start at 159 dirhams

The starting price for accommodations in the United Arab Emirates is 159 dirhams.

The cases in which the UAE Labor Law allows denial of annual leave

Is it permissible for employers in the UAE to refuse yearly leave because of other employees' absences?

UAE clarifies Divorce rights for non-Muslim women seek separation from husbands

Non-Muslim individuals residing in the UAE have the option to apply the personal laws of their home country in matters of personal status, such as marriage, divorce, inheritance, wills, and proof of parentage.

Flydubai suspend all Flights to Iran After Reported Israel Attack