Surveyor Report not Shared: What to Do Next
Reviewed on: 2026-05-30.
30-Second Answer
If surveyor report not shared, collect the account, application, transaction, policy, property, employee, pension, scholarship or bill reference and send one precise written complaint to the office that can correct the record or release the money. Ask for a written reason if the request is refused or kept pending. Escalate with the same evidence bundle to insurer branch, grievance officer, Bima Bharosa and Insurance Ombudsman. Use RTI only for records held by a public authority: file movement, deficiency notes, dispatch records, sanction details, payment advice, inspection reports or reasons recorded on file.
Where to escalate
Use the correct external forum. Use Bima Bharosa or the other official source linked below where it fits the subject. For consumer-service disputes, consider National Consumer Helpline and e-Daakhil. For public departments, CPGRAMS, state grievance portals and RTI may help. For high-value or time-sensitive cases, take professional advice before limitation expires.
Official Sources
What should I do first if surveyor report not shared?
Preserve proof, write a dated complaint with reference numbers, and ask for a written decision or correction instead of relying on calls.
Related Guides
Surveyor report not shared by insurer: How to obtain and what are IRDAI rules?
When the insurance company's surveyor inspects your claim (motor, property, or health) but does not share the report, here is the complete guide:
- Step 1: What is a surveyor report? (a) for motor insurance claims: the insurer appoints a licensed surveyor to assess the damage, (b) for property insurance: the surveyor inspects the loss and estimates the claim amount, © the surveyor submits a report to the insurer with damage assessment, estimated repair cost, and claim recommendation, (d) the insurer uses this report to settle or deny the claim.
- Step 2: IRDAI rules on surveyor reports. (a) the insurer must appoint a surveyor within 72 hours of receiving the claim intimation, (b) the surveyor must submit the report within 15 days (motor) or 30 days (property), © the insurer must settle the claim within 30 days of receiving the surveyor report, (d) the insured is entitled to a copy of the surveyor report — the insurer must provide it on request.
- Step 3: How to get the surveyor report. (a) write to the insurer's claim manager requesting a copy of the surveyor report, (b) the insurer must provide the report within 7 days of the request, © if the insurer refuses: file a complaint with the grievance officer, (d) the grievance officer must respond within 15 days, (e) if still not provided: file with IRDAI Ombudsman.
- Step 4: Why insurers withhold the report. (a) the report may support a higher claim than the insurer wants to pay, (b) the report may contain adverse findings about the insurer's handling, © the insurer wants to use the report as a negotiating tool, (d) the insurer may have modified or suppressed parts of the report.
- Step 5: What to do if the report is unfavorable. (a) you can engage an independent surveyor (IRDAI-licensed) for a second opinion, (b) submit the independent report to the insurer, © if the insurer still rejects: file with IRDAI Ombudsman, (d) the Ombudsman can consider both reports and decide.
- Step 6: Consumer protection. (a) withholding the surveyor report is an unfair trade practice under the Consumer Protection Act 2019, (b) file a consumer complaint seeking: (i) the surveyor report, (ii) claim settlement based on the report, (iii) compensation for delay and harassment, © the Consumer Commission can direct the insurer to share the report and settle the claim.
- Step 7: File RTI. File RTI with IRDAI asking for: (a) the rules on sharing surveyor reports with the insured, (b) the number of complaints about surveyor reports not being shared, © the action taken against insurers who withhold reports, (d) the list of IRDAI-licensed independent surveyors.