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[5] Prakash Bhotiyal, ‘We Took Loan to Build This House': Cracks in Joshimath Force Family to Evacuate’(The Quint, 16 Jan, 2023) <https://www.thequint.com/climate-change/we-took-loan-to-build-this-house-cracks-in-joshimath-force-family-to-evacuate#read-more#read-more>accessed 4 April 2023

[6] Neeraj Santoshi, ‘Joshimath crisis: Cabinet okays 45-crore relief for displaced locals’(Hindustan Times, 14 Jan, 2023) <https://www.hindustantimes.com/india-news/joshimath-crisis-cabinet-okays-45-crore-relief-for-displaced-locals-101673636040379.html>accessed 4 April 2023

[7]Ministry of MSME, ‘Brief Industrial Profile of District Chamoli’(Ministry of MSME, 14 Jan, 2023) <https://www.hindustantimes.com/india-news/joshimath-crisis-cabinet-okays-45-crore-relief-for-displaced-locals-101673636040379.html>accessed 4 April 2023

[16] Deepti Bhaskaran, ‘De-jarjoned : Law of Large Numbers in Insurance’(Live Mint, 18 September, 2016) <https://www.livemint.com/Money/6NV5LdTGTEDiiMsuuP7iWL/Dejargoned-Law-of-large-numbers-in-insurance.html>accessed 5 April 2023

[17] Jennifer Rudden, ‘Life and non-life insurance penetration in selected countries and territories worldwide in 2020 and 2021’(Statista, 25 November, 2022) <https://www.statista.com/statistics/381174/insurance-penetration-in-selected-countries-worldwide/>accessed 5 April 2023

[19] OnManorama, ‘Prompt compensation often eludes people worst-hit by natural disasters’

(OnManorama, 21 october 2021) <https://www.onmanorama.com/news/kerala/2021/10/21/late-compensation-natural-disaster-rains.amp.html>accessed 8 April 2023

[21] Mohammed Akhef, ‘Expense rates for SDRF, NDRF being revised: Rajenimbalkar’ (The Times of India, 02 December 2021) <https://timesofindia.indiatimes.com/city/aurangabad/expense-rates-for-sdrf-ndrf-being-revised-rajenimbalkar/articleshow/88036173.cms>accessed 8 April 2023

[22] Sai Krishna Muthyanolla, ‘Explainer: What are the disaster relief funds SDRF & NDRF?’(Factly, 26 July, 2022) <https://factly.in/explainer-what-are-the-disaster-relief-funds-sdrf-ndrf/>accessed 8 April 2023

[24] ‘Bharat Griha Raksha – Here’s Everything about Standard Home Insurance Cover’ (HDFC ERGO,

4 March, 2022) <https://www.hdfcergo.com/blogs/home-insurance/bharat-griha-raksha-heres-everything-need-to-know-about-standard-home-insurance-cover>accessed 5 April 2023

[25] Ministry of Agriculture and Farmers Welfare, ‘Agriculture Insurance’(Ministry of Agriculture and Farmers Welfare, 19 April, 2013) <https://agricoop.nic.in/sites/default/files/AGRICULTURE%20INSURANCE-Credits.pdf>accessed 10 April 2023

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