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What RWA and flat owners need to know about fire insurance
Mint New Delhi
|August 18, 2025
Our resident welfare association (RWA) has taken fire insurance covering the structure of the building.
As a flat owner, would my flat be covered if a fire occurs only in my flat without affecting the overall building? What is the process in such a case? What coverages should the RWA ideally have? Anything specific that I should take care of?
—Name withheld on request
Several RWAs take fire insurance for group housing complexes, which helps with administrative ease and cost efficiency. In such cases, even if a single flat is damaged due to covered perils, the claim is admissible. Whenever an incident occurs, the RWA must immediately inform the insurer. The insurer then appoints a surveyor to inspect the site and assess the claim.
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