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Sarvada research, workflows, and commentary focused on claims & loss prevention.
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111 published articles
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Claims & Loss Prevention
Latest
August 9, 2026
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111 articles
Claims & Loss Prevention - May 28, 2026 - 25 min read
Indian consequential loss settlements are tightly contested. This 2026 guide covers gross profit basis, standing charges, indemnity periods, IIISLA surveyor practice and forensic-accounting workflows at ICICI Lombard, HDFC Ergo, Bajaj Allianz.
By Sarvada Editorial Team
Claims & Loss Prevention - May 28, 2026 - 25 min read
Reinstatement value challenges, average clause invocation and surveyor methodology disputes are driving the largest property claim disagreements in India through 2026. Indian corporates need a structured quantum defence playbook combining IRDAI surveyor scrutiny, IIISLA tariff awareness and forensic accounting before the surveyor sets foot on site.
By Sarvada Editorial Team
Claims & Loss Prevention - May 27, 2026 - 25 min read
A practitioner's guide to fraud in Indian group health insurance schemes, covering prevalent fraud patterns from impersonation to ghost hospitalisations, TPA monitoring and NHCX integration, IRDAI Health Insurance Regulations 2016 fraud clauses, insurer SIU investigations, IPC and BNS criminal exposure, and recovery routes from criminal complaint to deduction-from-renewal.
By Sarvada Editorial Team
Claims & Loss Prevention - May 27, 2026 - 22 min read
A coordination playbook for Indian cyber incidents from hour 0 to hour 72, covering insurer panel forensic providers, breach coach engagement, CERT-In 6-hour notification, DPDP Act discipline, contract-of-engagement under privilege, claim cooperation language, and ransomware payment authorisation.
By Sarvada Editorial Team
Claims & Loss Prevention - May 27, 2026 - 22 min read
A documentation playbook for marine cargo claims in India, covering the bill of lading and shipping documents required at intimation, IIISLA surveyor protocols, time-bar discipline under Hague-Visby and the Indian Limitation Act, particular average vs general average, subrogation packet preparation, and the recurring deficiencies that drag settlements to deep discounts.
By Sarvada Editorial Team
Claims & Loss Prevention - May 27, 2026 - 22 min read
A practitioner's guide to defending third-party liability claims under Indian commercial liability programmes, covering notice-and-cooperation clauses, panel-counsel vs independent counsel selection, reservation-of-rights letters, settlement-authority dynamics, consumer-forum and civil-court tactics, mediation under CPC Order X, and claims-made vs occurrence trigger battles.
By Sarvada Editorial Team
Claims & Loss Prevention - May 27, 2026 - 20 min read
Property claim reserving moves through FNOL provisional reserve, interim surveyor estimate, MFL and PML ratchet logic, case-by-case versus portfolio reserve, and IBNR overlay. This guide unpacks the Indian commercial reserving framework under IRDAI 2016 Regulations as updated through 2022, with IAS 37 and IFRS 17 corporate mirror, reinsurance recovery impact, and claim leakage tracking.
By Sarvada Editorial Team
Claims & Loss Prevention - May 24, 2026 - 22 min read
A practitioner's guide to catastrophe claim surge management in Indian commercial insurance, covering lessons from the 2024 Cyclone Fengal Chennai flooding and Wayanad landslides, panel surveyor capacity gaps, IRDAI event-response and fast-track handling, broker SLA renegotiation during cat events, and internal triage protocols.
By Sarvada Editorial Team
Claims & Loss Prevention - May 23, 2026 - 18 min read
A practitioner's guide to subrogation recovery on Indian commercial insurance claims in 2026, covering the doctrine and statutory basis, recovery economics, evidence preservation, third-party identification, litigation strategy, and the operating practices that separate insurers with strong recovery functions from those that leave money uncollected.
By Tarun Kumar Singh
Claims & Loss Prevention - May 23, 2026 - 22 min read
A practitioner's guide to time-bar discipline on Indian cargo claims, covering Carriage by Road Act 2007 notice periods, Multimodal Transportation of Goods Act 1993 limitations, Hague-Visby sea limitations, subrogation against carriers, how Indian courts treat time-bar defences, and the broker actions in the first 30 days that preserve recovery.
By Sarvada Editorial Team
Claims & Loss Prevention - May 22, 2026 - 22 min read
A practitioner's guide to business interruption loss adjustment under the standard Indian fire wording, covering indemnity period selection, gross profit versus net profit basis, ICAI forensic accounting standards, but-for methodology, increased cost of working sub-limits, and the broker checklist when a forensic accountant is brought in.
By Sarvada Editorial Team
Claims & Loss Prevention - May 21, 2026 - 18 min read
A practitioner's guide to fire claim investigation on large Indian commercial losses, covering surveyor appointment under the IRDAI Insurance Surveyors and Loss Assessors Regulations 2015 (as amended), joint-survey practice on losses above INR 1 crore, forensic chain of custody, IIB cause-of-loss data, and the broker tactics that move interim findings towards a fair settlement.
By Sarvada Editorial Team
Claims & Loss Prevention - May 18, 2026 - 15 min read
A cedant-side examination of reinsurance recovery on Indian domestic treaty claims, covering claim notification, the GIC Re recovery cycle, treaty wording disputes, settlement-on-account, and the role of the reinsurance broker in moving recoveries through the system.
By Sarvada Editorial Team
Claims & Loss Prevention - May 17, 2026 - 16 min read
An examination of the independence regime for IRDAI-licensed surveyors and loss assessors under the 2015 regulations, covering licensing categories, panel rotation, fee structures, conflict-of-interest disclosure, and the gap between regulatory design and field practice in Indian commercial claims.
By Sarvada Editorial Team
Claims & Loss Prevention - May 16, 2026 - 18 min read
How Indian corporate boards and HR risk committees should govern Third Party Administrators handling group health programmes, covering IRDAI TPA regulations, oversight committees, SLA scorecards, conflict-of-interest controls, and the levers that change actual member experience.
By Sarvada Editorial Team
Claims & Loss Prevention - May 15, 2026 - 16 min read
AI-powered CCTV analytics can reduce losses at Indian factories by turning passive cameras into real-time detection. This post covers what the technology detects, how the loss reduction actually works, how insurers can price the evidence, and DPDP Act compliance for workplace video monitoring.
By Sarvada Editorial Team
Claims & Loss Prevention - May 15, 2026 - 14 min read
2025 was another record year for Indian nat cat losses. This post covers insured loss data from 2025 cyclones, floods, and heatwaves, the protection gap, claims settlement challenges, and what the data signals for 2026-27 reinsurance pricing.
By Sarvada Editorial Team
Claims & Loss Prevention - May 15, 2026 - 17 min read
A date-anchored playbook for Indian commercial brokers preparing clients for the 2026 monsoon: pre-monsoon documentation, FNOL discipline during peak weeks, surveyor scheduling under load, and substantiation patterns learned from 2023-2025 monsoon losses.
By Sarvada Editorial Team
Claims & Loss Prevention - May 13, 2026 - 8 min read
The IRDAI's cashless-everywhere mandate has scaled access dramatically. It has also opened fraud vectors that were less profitable when reimbursement flows dominated. Insurers, TPAs, and hospital networks now share an enforcement problem none can solve alone.
By Tarun Kumar Singh
Claims & Loss Prevention - May 6, 2026 - 16 min read
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
Claims & Loss Prevention - May 5, 2026 - 14 min read
A step-by-step guide to managing a machinery breakdown insurance claim in India, from first notification of loss through surveyor investigation, root cause analysis, repair authorization, and final settlement, with sector-specific examples from textiles, cement, and general manufacturing.
By Sarvada Editorial Team
Claims & Loss Prevention - May 4, 2026 - 6 min read
Indian health insurers leak 12 to 18% of claim spend to preventable causes. Analytics has moved from pilot to operating discipline, but most insurers still capture only a fraction of the available recovery.
By Tarun Kumar Singh
Claims & Loss Prevention - May 3, 2026 - 15 min read
A practical guide to cargo damage claims arising at Indian ports including JNPT, Mundra, Chennai, Vizag, and Kolkata, covering time limits, documentation requirements, surveyor appointment, carrier liability under Hague-Visby Rules, and subrogation recovery from port operators and stevedores.
By Sarvada Editorial Team
Claims & Loss Prevention - April 30, 2026 - 17 min read
EPC projects in India generate some of the most contested insurance claims in the market, spanning physical damage under CAR policies, delay-related losses under DSU/ALOP cover, and disruption claims that require contemporaneous documentation and independent delay analysis to substantiate.
By Sarvada Editorial Team
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