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19.1 - FAQ-HDFC ERGO-L.T Fire Insurance

8. Whether Personal Accident, Loss of earnings, loss by delay, loss of market
or other consequential losses are covered under Long Term Fire
Insurance?
No .
9. Whether Storm, Flood, Aircraft Damage, landslide, Riots, Lighting
covered under LTF insurance?
Yes, these perils are covered
10. Can we give LTF for 20 years?
Yes. It is the maximum tenure available in this policy.
11. I am living in house having shop in front and residence at back,
whether I can purchase LTF insurance?
No. It is restricted to residential premises only.

12. In case I have 2 policies with two insurance companies, at the
time of a claim whether both insurance companies will pay on
proportionate basis?
No.
13. Whether the cost of land has to be considered while calculating
sum insured?
No.
14. Please confirm my calculation for the insurance. The sum insured
for LTF insurance will be the cost of construction per square feet
multiplied by carpet area of the property.
Yes .
15. Will the insurance cover continue, if the customer changes the
property within the same project or changes the project ?
- No. it will not cover for change of property.
In case of any other queries regarding HDFC ERGO - L.T Fire Insurance , you
can ask customers to contact:
- Tollfree number : 1800 2700 700
- Email ID : care@hdfcergo.com

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