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Sarvada research, workflows, and commentary focused on claims & loss prevention.
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138 published articles
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Claims & Loss Prevention
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October 7, 2026
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138 articles
Claims & Loss Prevention - August 18, 2026 - 9 min read
A container ship aground for 12 hours on the Hooghly shows how general average can reach every importer on the Kolkata feeder leg, and how ICC (A) cover plus an insurer's GA guarantee keeps cargo moving.
By Sarvada Editorial Team
Claims & Loss Prevention - August 18, 2026 - 10 min read
In New India Assurance v. Louis Dreyfus Commodities India (2026 INSC 876), the Supreme Court refused a Rs 22.01 crore cotton-bale fire claim because turnover had crossed Rs 1,724.12 crore against a Rs 1,200 crore annual turnover policy, and the top-up premium arrived only after the loss. The declaration and limit-monitoring controls that prevent this.
By Sarvada Editorial Team
Claims & Loss Prevention - August 17, 2026 - 10 min read
An extortion group names your organisation on a leak site, and the intrusion ran on a vendor's systems. The hour-by-hour runbook for the CERT-In clock, DPDP duties, customer notice, and the cyber policy's own notice condition.
By Sarvada Editorial Team
Claims & Loss Prevention - August 9, 2026 - 11 min read
Somali piracy resurged through mid-2026, with 44 seafarers held and India issuing a fresh maritime security advisory on 29 July. Here is how a piracy loss actually splits across Institute Cargo Clauses (A), hull war risk and kidnap and ransom cover, and how the general average adjustment runs when a ransom is paid.
By Sarvada Editorial Team
Claims & Loss Prevention - August 5, 2026 - 10 min read
IRDAI's 4 August 2026 circular on the Assam floods directs insurers to set up district claims desks, delegate settlement authority, and expedite on-account payments. Here is what a commercial policyholder in Sivasagar, Charaideo, Jorhat or Golaghat can actually demand under it.
By Sarvada Editorial Team
Claims & Loss Prevention - July 27, 2026 - 9 min read
Parliament was told in July 2026 that IRDAI collects only overall repudiation rates, not the reasons behind denials. That removes the foundation under the claim settlement ratio most group-health RFPs still score on. Here is the metric set to use instead, with a weighted scorecard for procurement teams.
By Sarvada Editorial Team
Claims & Loss Prevention - July 25, 2026 - 8 min read
IRDAI's 23 July 2026 circular gives insurers 7 days to file their self-contained note with an ombudsman and directs offices to decide on the record if they miss. For proprietor-held and micro-enterprise commercial policies inside the Rs 50 lakh limit, insurer silence just became a liability for the insurer, not the complainant.
By Sarvada Editorial Team
Claims & Loss Prevention - July 23, 2026 - 10 min read
A deductible looks simple until a single storm hits three sites and the insurer applies the excess three times. How a deductible is applied at claim, per occurrence, per location, before or after average, is decided by wording most buyers never read until it costs them.
By Sarvada Editorial Team
Claims & Loss Prevention - July 21, 2026 - 11 min read
Stock claims are the most contested head in a fire loss because raw material, finished goods and work-in-process are each valued on a different basis, and none of them at selling price. Here is how surveyors value stock and where the arguments start.
By Sarvada Editorial Team
Claims & Loss Prevention - July 20, 2026 - 11 min read
A commercial claim reported late is a favourite ground for repudiation, but delay alone rarely defeats a genuine claim. What decides the outcome is whether the notice clause is a condition precedent and whether the delay actually prejudiced the insurer.
By Sarvada Editorial Team
Claims & Loss Prevention - July 19, 2026 - 10 min read
In most liability claims the fight over legal costs matters more than the eventual damages. Whether defence spend erodes your indemnity, who appoints the lawyer, how costs are allocated on a mixed claim, and how the hammer clause works are decided in the wording, long before the claim arrives.
By Sarvada Editorial Team
Claims & Loss Prevention - July 18, 2026 - 10 min read
A large fire or flood claim can take a year or more to settle, and a business that waits for the final cheque may not survive to receive it. On-account payments release cash against the surveyor's interim assessment, if the insured knows how to structure the request.
By Sarvada Editorial Team
Claims & Loss Prevention - July 17, 2026 - 10 min read
On a group health account run through a Third Party Administrator, the broker absorbs a workload the placement commission never priced: cash deposit reconciliation, pre-authorisation chasing, network hospital escalation and enrolment churn. The case for invoicing that work separately, and how to do it without touching Section 41.
By Sarvada Editorial Team
Claims & Loss Prevention - July 14, 2026 - 10 min read
A broker's claims desk runs on clocks nobody writes down: acknowledgement, registration, document requests, surveyor chase, insurer follow-up, payment. This is how to set those clocks, run the desk that keeps them, and decide what to promise a client in writing.
By Sarvada Editorial Team
Claims & Loss Prevention - July 13, 2026 - 10 min read
Network or not, who actually reads the pre-authorisation, why a query is not a denial, and where the discharge shortfall comes from. The cashless workflow an individual advisor can genuinely affect, step by step.
By Sarvada Editorial Team
Claims & Loss Prevention - July 12, 2026 - 11 min read
You are the first call when a retail claim happens and the first person blamed if it fails, while holding no authority over any part of the outcome. An honest scoping of what an individual advisor actually owes a claiming client, and the two things never to do.
By Sarvada Editorial Team
Claims & Loss Prevention - July 9, 2026 - 10 min read
When an OT attack physically damages plant, the property insurer cites its cyber exclusion and the cyber insurer cites its physical-damage carve-out. This is a claims-recovery playbook for proving the trigger, sequencing both notifications, and closing the silent-cyber gap.
By Sarvada Editorial Team
Claims & Loss Prevention - July 7, 2026 - 10 min read
When a damaged commercial building is rebuilt, the municipal plan officer applies the code in force on the date of reconstruction, not the code the old structure was built to, and the extra cost of compliance reads as improvement that the betterment exclusion strips out. This piece explains how the public authorities clause carves forced code-upgrade costs back into cover, what it still excludes, and how brokers and risk managers size the extension against the sub-limit before a loss rather than discovering the gap at rebuild.
By Sarvada Editorial Team
Claims & Loss Prevention - July 6, 2026 - 8 min read
Debris removal, firefighting and architects and surveyors fees ride on the material-damage claim as percentage sub-limits of 1 to 5 percent, and after the 2025-2026 nat-cat losses those inner caps are draining recovery well before reinstatement is paid for.
By Sarvada Editorial Team
Claims & Loss Prevention - July 5, 2026 - 11 min read
How loss-of-rent cover responds after fire or flood damage to a let commercial property, why the policy indemnity period rarely matches real re-letting time, and how landlords evidence the rent roll, void periods and tenant break clauses to recover in full.
By Sarvada Editorial Team
Claims & Loss Prevention - July 4, 2026 - 10 min read
Salvage retention versus deduction quietly decides who bears GST on scrap, whether input tax credit survives, and how much net recovery a broker actually books on a property or marine loss in 2026.
By Sarvada Editorial Team
Claims & Loss Prevention - July 3, 2026 - 8 min read
How Indian property wordings treat sudden burst-and-overflow water damage versus gradual seepage, and why the maintenance exclusion, inner sub-limits and weak cause evidence quietly cut high-value data-centre and fit-out claims in 2026.
By Sarvada Editorial Team
Claims & Loss Prevention - July 1, 2026 - 7 min read
A damaged or stranded consignment can qualify as a constructive total loss under the Marine Insurance Act 1963, yet still settle as a partial loss if the assured mishandles the notice of abandonment. This guide walks through when a CTL arises, the election the assured must make, the strict notice requirement under Section 62, and the procedural trap that quietly downgrades a total-loss recovery.
By Sarvada Editorial Team
Claims & Loss Prevention - July 1, 2026 - 6 min read
When an insured peril strikes, the money a business spends to stop the loss getting worse is itself recoverable under the sue and labour duty and clause. This guide explains how sue and labour works as a separate head of claim, the reasonableness limit, the requirement that the peril be operative or imminent, and how poor mitigation can shrink the main recovery as well.
By Sarvada Editorial Team
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