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Claims & Loss Prevention

Sarvada research, workflows, and commentary focused on claims & loss prevention.

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Claims & Loss Prevention

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May 15, 2026

Lead storyClaims & Loss Prevention - February 27, 2026 - 12 min read

Why Insurance Claims Get Rejected in India: Common Reasons and How to Avoid Them

Claim rejection remains one of the most contentious issues in Indian commercial insurance, with disputes often escalating to the Insurance Ombudsman or consumer forums. Understanding why claims get rejected, from non-disclosure and policy condition breaches to documentation failures, is the first step toward ensuring your legitimate claims are honoured.

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Claims & Loss Prevention - May 6, 2026 - 16 min read

Fire Incident Investigation and Insurance Implications in India

Fire incident investigation in Indian commercial insurance involves IRDAI-licensed surveyors, forensic fire investigators, and complex cause-and-origin analysis that directly determines whether a claim is paid, reduced, or repudiated. This post examines how investigations are conducted and how they shape fire insurance claim outcomes across Indian manufacturing, warehousing, and chemical facilities.

By Sarvada Editorial Team

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Claims & Loss Prevention - April 17, 2026 - 6 min read

Deepfake Payment Fraud in India: Where Crime Insurance Stops, Cyber Insurance Starts, and CFO Controls Fail

Indian corporates are now facing payment diversion losses driven by voice cloning, fake video approvals, and compromised vendor master data, forcing a sharper reading of social engineering fraud extensions, computer crime wording, and the boundary between cyber policies, crime policies, and internal financial controls.

By Sarvada Editorial Team

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Claims & Loss Prevention - April 8, 2026 - 12 min read

Concurrent Causation in Indian Claims: Marine, Property, and Engineering Policy Disputes

Proximate cause is the single most litigated doctrine in Indian insurance law. When a loss has two causes, one covered and one excluded, which governs? This post traces the doctrine from Pawsey v. Scottish Union through Indian Supreme Court rulings, applies it to marine cargo, property, and engineering disputes, and sets out wording strategies and evidence priorities.

By Sarvada Editorial Team

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Claims & Loss Prevention - April 7, 2026 - 11 min read

Nat-Cat Claims Aggregation and Clash: How Multiple Perils in One Event Get Apportioned Under Indian Policies

When a monsoon cyclone brings flood, wind, and storm surge in the same 72 hours, Indian insurers and reinsurers fight over whether it is one event or three. Hours clauses, clash covers, and single-event aggregation rules decide whether you recover fully or hit limit after limit. This post unpacks the mechanics with reference to Kerala 2018, Chennai 2015, and Amphan 2020.

By Sarvada Editorial Team

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Claims & Loss Prevention - March 30, 2026 - 11 min read

Claims Denial Defense for Indian Policyholders: Bad-Faith, Insurer Liability, and Ombudsman Escalation Playbook

When an insurer repudiates a legitimate commercial claim, Indian policyholders have stronger legal tools than most realise. This playbook walks through the five most common denial grounds, the defences available against each, and the tiered escalation path from internal grievance to Ombudsman, Consumer Forum, arbitration, and civil suit, including the evolving jurisprudence on bad-faith insurer conduct.

By Sarvada Editorial Team

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Claims & Loss Prevention - March 20, 2026 - 17 min read

Employment Practices Liability Claims in India: Wrongful Termination, POSH, and Discrimination Defense Economics

How employment practices liability claims actually run in Indian labour tribunals, industrial courts, and High Courts, with defense cost benchmarks per matter, notification obligations to insurers, and practical guidance on settlement versus litigation decisions for HR teams and insurance managers.

By Sarvada Editorial Team

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Claims & Loss Prevention - March 10, 2026 - 15 min read

Contingent Business Interruption Claims in India: When Your Supplier's Loss Becomes Your Financial Crisis

How contingent business interruption coverage works in Indian commercial insurance, including trigger conditions, documentation requirements for proving supplier dependency, loss quantification methodology, common disputes between policyholders and insurers, and practical scenarios from Indian manufacturing and supply chain contexts.

By Sarvada Editorial Team

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Claims & Loss Prevention - March 2, 2026 - 17 min read

Construction Defect Claims in India: Latent Defects, Completed Operations Liability, and Warranty Periods

A guide to construction defect claims in Indian insurance, covering the distinction between latent and patent defects, completed operations liability under CGL policies, RERA warranty obligations, the defect liability period in construction contracts, and the insurance coverage options available to contractors and developers.

By Sarvada Editorial Team

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Claims & Loss Prevention - January 30, 2026 - 16 min read

Salvage and Recovery in Indian Commercial Insurance: Maximising Claim Value

A detailed guide to salvage rights and recovery processes in Indian commercial claims. Covering insurer salvage entitlements post-settlement, marine abandonment and constructive total loss under the Marine Insurance Act 1963, salvage sale procedures and auction protocols, scrap value disputes, and policyholder obligations for preserving damaged property.

By Sarvada Editorial Team

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