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Property / Fire Insurance Claim Affidavit

At a glance

Price: Free till 31 Dec
Stamp duty: An affidavit is stamped, in both Punjab and Chandigarh, under Article 4 of Schedule I-A to the Indian Stamp Act, 1899 as applicable to Punjab, and under the equivalent entry in the Chandigarh Administration's own stamp schedule — a small fixed duty, not a duty on the sum insured or the amount claimed, because this affidavit states facts and transfers nothing.
Registration: Not registrable in either Punjab or Chandigarh.
Witnesses: No attesting witness is required by law — the jurat, not a witness, authenticates a sworn affidavit, in Punjab and in Chandigarh alike.

Free till 31 Dec

Launch period: downloads are free until 31 December. Nine everyday papers stay free for good.

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Also called

fire insurance claim affidavit
property insurance claim affidavit
insurance claim supporting affidavit
claim form affidavit
loss affidavit
fire loss declaration
theft claim affidavit
burglary claim affidavit

When you need it

A sworn statement of the facts of a fire, theft, burglary or other insured loss at a home, shop or other building or its contents, filed together with the claim form when you make a claim under a property or fire insurance policy. It states who holds the policy, what was lost or damaged and how, when the loss happened and when the insurer was told about it, what you are claiming, that you own or otherwise hold an insurable interest in what was lost, and — the point insurers actually read this affidavit for — that you have not made, and will not make, any other claim on the same loss, and that nothing material has been hidden from the claim form.

The substance of insurance law is the same wherever in India the insured property stands. The Insurance Act, 1938, the Insurance Regulatory and Development Authority Act, 1999, and the regulations the Insurance Regulatory and Development Authority of India (IRDAI) makes under them — including the IRDAI (Protection of Policyholders' Interests and Allied Matters of Insurers) Regulations, 2024 — govern how your insurer must handle the claim whether the property is in Ludhiana, Chandigarh or anywhere else, and this affidavit does not pretend Punjab or Chandigarh has a rule of its own where none exists. What Punjab and Chandigarh do decide is where you swear this affidavit, the stamp article it is bought under, and which notary's or oath commissioner's practice governs it — covered in the formality notes below, stated for these two places exactly rather than hedged across the country. Use it once the loss has happened and has been reported to the insurer, and once you are ready to file, or have already filed, the claim form itself — this affidavit supports that claim form and is not a substitute for it. It does not decide the claim: the insurer's own survey, investigation and assessment under the policy's terms and exceptions still happen after this affidavit is filed, and a surveyor may value the loss differently from the figure stated here. Not for a motor insurance claim, a third-party liability claim, or a life, personal accident or health insurance claim — each has its own claim process and its own affidavit or claim-form conventions, and using this one for them states the wrong facts in the wrong form. Not for a claim you know to be false, inflated, or a repeat of one already paid or rejected: paragraphs 6 and 9 of this affidavit are sworn statements, and a false one exposes you to the insurer repudiating the claim, and to prosecution, not only to a slower one.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

An affidavit is stamped, in both Punjab and Chandigarh, under Article 4 of Schedule I-A to the Indian Stamp Act, 1899 as applicable to Punjab, and under the equivalent entry in the Chandigarh Administration's own stamp schedule — a small fixed duty, not a duty on the sum insured or the amount claimed, because this affidavit states facts and transfers nothing. Insurance claim checklists and notarial counters commonly print Rs 25 as the affidavit denomination, but neither Punjab's nor Chandigarh's own published stamp schedule lists a rate against "affidavit" by name, so confirm the current denomination with the stamp vendor, or at the Notary's or Oath Commissioner's counter, before the stamp is bought — the same position this platform's other lender-facing and heirship affidavits state, and the point in this affidavit's stamping position most worth a second check. Buy one stamp paper, or one e-stamp certificate, for the affidavit itself; the claim form, the photographs and the other papers listed in the ANNEXURE INDEX need no stamp of their own. The claim itself carries no stamp duty of its own in either place: a claim form and a survey report are not instruments the Indian Stamp Act, 1899 reaches, and IRDAI's own claim rules do not depend on any stamp being paid.

Registration

Not registrable in either Punjab or Chandigarh. Section 17 of the Registration Act, 1908 reaches instruments that create, declare, assign, limit or extinguish a right in immovable property, or certain other listed transactions; a sworn statement of the facts of a loss and a claim does none of those things, and creates no interest in the insured property for {{insurer_name}} or anyone else. Keep the original with your claim file rather than presenting it anywhere for registration.

Notarisation

This is the one formality this affidavit actually needs. Swear or affirm it before a Notary Public, an Oath Commissioner, or an Executive Magistrate empowered to administer oaths, under section 3 of the Oaths Act, 1969 — an affirmation under section 5 carries the same force where you object to being sworn, and section 7 saves only a procedural irregularity, not an affidavit never sworn or affirmed at all. Sign it in the officer's presence, not before. In Chandigarh a notarised affidavit is accepted wherever an authority would otherwise insist on attestation by an Executive Magistrate; in Punjab, District Courts have Oath Commissioners and most tehsil headquarters have a Notary. Carry your photo ID and the papers listed in the ANNEXURE INDEX with you. {{insurer_name}}'s own claim checklist decides whether it wants this affidavit sworn at all, or is content with a plain signed declaration to the same effect — swearing it is not a statutory precondition of the claim itself, but it converts a plain statement into evidence a court or the Insurance Ombudsman will weigh more heavily if the claim is later disputed, which is why this platform drafts it in sworn form.

Witnesses

No attesting witness is required by law — the jurat, not a witness, authenticates a sworn affidavit, in Punjab and in Chandigarh alike. {{insurer_name}}'s own form occasionally asks for an independent witness or identifier on a large claim, which is why this affidavit provides for up to two; leave both blank if none is asked for.

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AFFIDAVIT IN SUPPORT OF A PROPERTY / FIRE INSURANCE CLAIM

TO: Sarvodaya General Insurance Company Limited, SCO 184-185, Sector 34-A, Chandigarh 160022

IN THE MATTER OF Policy No. FIRE/2025/0041178 issued to Rajinder Kapoor, and of the claim made under it for the loss described in this affidavit, claim reference CLM/2026/FIRE/007731

I, Rajinder Kapoor, son of the late Sardar Mohan Singh Kapoor, aged about 47 years, Business by occupation, resident of House No. 214, Sector 33-D, Chandigarh 160034, PAN AFZPK4321L, the Policyholder, in my personal capacity, do solemnly affirm and state on oath as follows.

1. THE POLICYHOLDER AND THE POLICY

1.1 Rajinder Kapoor, an individual, holds Policy No. FIRE/2025/0041178 ("the Policy"), being a Standard Fire and Special Perils Policy, issued by Sarvodaya General Insurance Company Limited, for the period from 1 April 2026 to 3 April 2026, both dates inclusive, for a sum insured of ₹25,00,000 (Rupees Twenty Five Lakh only).

1.2 The Policy covers the two-storey shop building at the address below, together with its fittings, furniture and stock-in-trade of readymade garments, situated at SCF 22, Sector 20, Panchkula 134116 ("the insured property").

1.3 My interest in the insured property is that of owner of the insured property.

2. THE LOSS

2.1 On 2 April 2026, at about between 2 a.m. and 3 a.m., the insured property suffered loss or damage by fire.

2.2 A short-circuit in the shop’s wiring, near the rear storeroom, caused a fire at about 2.30 a.m. on 14 February 2026. The fire spread to the stock stored in the storeroom and to part of the false ceiling before it was brought under control. The shop’s stock-in-trade of readymade garments, and part of the shop fittings, were destroyed or damaged by the fire, smoke and water used to extinguish it.

2.3 The loss was first discovered by the night security guard, Balwant Singh.

2.4 The following report was made to the police in connection with the loss: FIR No. 61 dated 14 February 2026, Police Station Sector 19, Panchkula.

2.5 The following report was made to, or by, the Fire Brigade in connection with the loss: Fire Station Sector 20, Panchkula, attended on 14 February 2026, call log No. 118.

3. NOTICE TO THE INSURER

3.1 I informed Sarvodaya General Insurance Company Limited of this loss on 3 April 2026, and the claim has since been allotted reference CLM/2026/FIRE/007731.

3.2 As at the date of this affidavit, a surveyor has already been appointed and has inspected the loss.

4. AMOUNT OF THE LOSS

4.1 The loss is estimated, to the best of my knowledge, information and belief, at ₹8,50,000 (Rupees Eight Lakh Fifty Thousand only). This is the amount for which the claim is made, and I understand it remains subject to Sarvodaya General Insurance Company Limited's own survey and assessment under the Policy.

Questions about this document

Does the Property / Fire Insurance Claim Affidavit need stamp paper or stamp duty in Punjab and Chandigarh?

See the full position on stamp duty, registration and witnesses

Does the Property / Fire Insurance Claim Affidavit need registration in Punjab and Chandigarh?

Not registrable in either Punjab or Chandigarh.

See the full position on stamp duty, registration and witnesses

What does the Property / Fire Insurance Claim Affidavit cost on Kaagazaat?

Free till 31 Dec.

Launch period: downloads are free until 31 December. Nine everyday papers stay free for good.

Does the Property / Fire Insurance Claim Affidavit need witnesses?

No attesting witness is required by law — the jurat, not a witness, authenticates a sworn affidavit, in Punjab and in Chandigarh alike.

See the full position on stamp duty, registration and witnesses

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