Natural disasters strike without warning—and when your home is damaged by a flood, fire, or storm, every second matters.
The real emergency isn't just the damage—it's figuring out:
“How do I get the money to fix this… right now?”
This guide breaks down your best options to raise funds fast—with minimal stress.
First, Assess the Damage & Estimate Urgency
Take photos/videos of:
Structural damage
Electronics, furniture, appliances
Water-soaked floors or fire burns
🏠 If the damage is extensive, you’ll likely need ₹50,000–₹2 lakhs or more for initial recovery.
1. Instant Personal Loan via Vizzve Finance
If insurance is delayed or unavailable, a quick personal loan is the fastest option.
Benefits of Vizzve Emergency Loan:
No collateral
Funds disbursed in under 1 hour
Loan amounts starting from ₹10,000
Flexible EMIs
Minimal documentation
📌 Even if you don’t have a high credit score, Vizzve considers income proofs and emergency needs.
2. Check Existing Insurance Policies
Don’t skip this step.
If you have home insurance or a rider on your property loan, check for:
Flood/fire damage clause
Immediate claim support
Advance payout for repairs
📞 Call the insurer ASAP and file an FIR if required—it speeds up claim approvals.
3. Use Gold Loan or Secured Loan (if time permits)
Gold loans are:
Quick to disburse
Ideal for short-term needs
Offered even if your credit score is low
But if you're looking for instant no-collateral options, personal loans like Vizzve are more flexible.
4. Ask for Salary Advance or Emergency Support
If you're salaried, check if your company:
Offers salary advance
Has ESOP encashment or emergency funds
You can also explore crowdfunding platforms if your situation is severe and community support is strong.
FAQs
Q1. Can I get a personal loan the same day after a fire or flood?
Yes, with Vizzve Finance, instant personal loans can be approved and disbursed within 30–60 minutes.
Q2. What if my documents are lost in the fire?
You can use Aadhaar/electricity bill copies (digital or FIR-backed) as identity/address proof. Vizzve may allow alternate verification in emergencies.
Q3. How much can I borrow in emergencies?
Depending on your income, you may get ₹10,000 to ₹5 lakhs with flexible repayment plans.
Published on : 24th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed