How the claim gets settled?

Claim process starts with claim intimation.
Insurance makes good losses suffered in case of unfortunate incidents that cause Financial setback.
A claim is lodged with insurance company to make good such losses covered by your insurance policy.
Claim process start with intimation of loss to the insurance company.
Claim intimation informs the insurance company about loss that took place, the approximate loss amount insured suffered as well as details of contact person, the insurance company may contact at loss location.
On getting claim intimation the insurance company appoints a third party surveyor to assess the loss.
The surveyor inspects the loss and provides initial loss assessment ( ICA). He may ask for more documents pertinent to loss in form of a letter called. Letter of requirement(LOR).
On basis of documents submitted by the insured in response to LOR, the final assessment is shared by surveyor with the insured.
The insured may accept or question this assessment.
When the final assessment is approved same is submitted to the insurance company, that further Scrutinizes it and may ask futher queries.
When no such query remains final settlement amount is shared by insurance company, which when approved by insured is transferred to his account if the insured not satisfied with settlement amount, He may challenge it with ombudsman appointed by government of india.