What happens if the insurance policy is destroyed in a fire?

[Starmix]

What happens if the insurance policy is destroyed in a fire?

In case you are a policyholder, and one day, a fire breaks out and your insurance policy is destroyed by fire. What must to be to be done? The physical document of the insurance policy is just proof of the contract. Even if the paper is burned, the insurance policy itself still exists as a legal agreement between you and the insurance company. The company has records of your policy.

The first thing you should do is contact your insurance company as soon as possible. Let them know that your policy documents were destroyed in a fire. The insurance company will be able to provide you with a copy of your policy documents. They likely have digital records and can easily reprint or email you a new copy.

If the fire caused damage to your property that is covered by your insurance policy, you also need to file a claim for the fire damage. The insurance company will guide you through the claims process. In short, don’t worry if your physical insurance policy is destroyed by fire. The policy itself is still valid, and the insurance company can provide you with a copy. Focus on contacting your insurer, filing a claim for any fire damage, and providing proof of your losses.

 

[magnus2022]

The policy is still valid because physical documentation does not invalidate a contract because fire or natural disasters caused a loss of the papers. You can easily get court affidavit or ask your insurance agent to print out another paper for you.

 

[Starmix]

Indeed the insurance policy is still valid what's damaged is just a paper representing the policy. It could be replaced by reporting the case to the insurance office for a replacement.