Fire Insurance

How to calculate the Sum insured of Building under Fire Insurance for Reinstatement clause

Building is a permanent structure and the cost of its basic components used therein, would remain fluctuating over the time on account of inflationary pressures in the economy and other interventions by the Governments like implementation of GST Act etc. It is thus imperative that  when preferring the claim, its value needs to be calculated to currently prevailing costs of  its construction as follows;-

Area of the building (all the floors) X Current value of cost of construction per (sq feet/metre)

While computing the Current Value of the building, its height including the plinth, specific materials used for its construction and that of  floors, sanitary fittings, sewerage pipes, water pipes, immovable wooden fixtures, electrical wiring in the building are to be taken into account.

Electrical lights along with their fittings, fans, air conditioners and temporary structure are excluded from these calculations as these are separately dealt under the Heads of Furniture, fixture and fitting. So is the case of boundary wall and retaining wall.

In the event of unavailability of verifiable current rate of construction, then the RBI index of steel and cement needs be applied to calculate the current price of the building.

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