Himachal Pradesh—known for its beauty—is now in headlines for a different reason: devastating flash floods, landslides, and sudden cloudbursts. Roads washed away. Homes damaged. Cars submerged.
And amid the chaos, one question echoes louder than ever:
“Do I have insurance that actually helps when disaster strikes?”
In a world of rising climate disasters, insurance is no longer a luxury. It’s survival.
Here’s why—and how Vizzve Finance helps you protect your home, income, and peace of mind.
🏔️ The Reality on the Ground
Flash floods in Himachal and the Himalayan belt are:
⏱️ Getting more frequent
🔥 More intense (due to climate change)
💸 Causing losses from ₹25,000 to ₹25+ lakhs per household
Many victims have no valid or comprehensive insurance.
That’s a financial disaster on top of the natural one.
🔍 The Gaps Most People Don’t Know
🚫 Basic home insurance often excludes floods
🚗 Car insurance may not cover engine hydro-lock
🧾 No protection for lost income due to disaster-related business closures
🏠 Tenants think landlord insurance is “enough” (it’s not)
In India, only 1 in 5 households have any form of property insurance.
🛡️ How Vizzve Finance Helps You Get Disaster-Ready Insurance
We simplify the complicated fine print and make climate-smart coverage accessible to all.
✅ What Vizzve Offers:
🌧️ Climate Risk Coverage Checker
→ Check if your current policy covers flash floods, landslides, and water damage
🏡 Customised Home Insurance
→ Compare plans with real flood cover and claim support
🚘 Monsoon-Grade Vehicle Protection
→ Add-ons for engine protection, zero depreciation, and roadside rescue
🧮 Disaster Budget Planner
→ Build a backup fund + insurance combo for emergencies
📲 Smart Claim Guide
→ Step-by-step digital support to raise and track claims during chaos
“At Vizzve, we don’t sell policies—we build protection plans.”
💬 Real Talk: Reena’s ₹6 Lakh Lesson
Reena’s boutique homestay in Kullu was her dream business.
A sudden flash flood last year left the ground floor ruined and bookings cancelled.
She had insurance—but it didn’t cover natural disaster damage.
After switching to Vizzve-recommended insurance, she now has:
₹25 lakh coverage
Business interruption support
Real-time claim help via the Vizzve app
✅ Vizzve’s Flash-Flood Action Plan:
Audit your existing home, vehicle, and business insurance
Upgrade to flood-inclusive policies
Automate emergency fund contributions
Track risk with Vizzve’s weather + claim alert tools
🔚 Final Word: Don’t Wait for the Water to Rise
Flash floods aren’t rare anymore—they’re the new normal.
Financial protection isn’t about fear—it’s about freedom.
With Vizzve Finance, you prepare once and protect always.
☂️ In uncertain weather, let your finances stay dry.
Published on : 7th July
Published by : SMITA
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