Flood Insurance Claims Made Easy: Reliable Insurance Brokers Guide

Need to file a flood insurance claim? Learn how Reliable Insurance Brokers simplifies the process for rainy season damage in the Philippines.

June 10, 2025
Process Guides, Reliable Cares, Reliable Guides

Flooding is a major risk during the Philippine rainy season, often causing serious damage to homes, vehicles, and businesses. If you have flood coverage under your Property All Risk or Motor Vehicle insurance, responding quickly and correctly is important. At Reliable Insurance Brokers, we’re here to guide you every step of the way, ensuring a smooth, stress-free claims process so you get the protection you deserve.

Step 1: Stay Safe and Document the Damage

What to Do Immediately:

Confirm your family’s safety, including your own.
Take photos/videos of all flood-related damage before cleanup.
Vehicle owners should not attempt to start a flooded engine.
For property owners: Avoid moving structural debris until properly documented.

Reliable Tip: Contact your Policy & Account Manager right away. We’ll tell you exactly what evidence to gather for your type of policy.

Step 2: Report the Damage to Reliable

Once you’ve documented the damage, contact Reliable Insurance Brokers right away. Early notification is essential to avoid delays or missed deadlines.

You can reach us through any of the following:

Phone: +63 2 8631 9285 to 86 / +63 917 175 9028
Email: claims@reliable-insurance.ph
Online Claims Form: Submit via our website
FB Messenger: m.me/reliable.insurancebrokersph

After notifying us, your assigned Policy & Account Manager (PAM) will assist you throughout the process, from gathering required documents to coordinating with the insurer.

Not sure what to prepare? Your PAM will provide a customized checklist tailored to your policy type (motor, property, or both).

Step 3: Review Your Flood Coverage

Every insurance policy is different. Coverage for flood-related damage depends on the specific terms of your policy, the provider, and the endorsements included. Some may cover flood as a standard peril, while others may require an additional clause or premium for it.

As your broker, Reliable Insurance Brokers will help you:

Review your policy to confirm if flood is covered
Explain applicable limits, deductibles, or exclusions
Clarify your responsibilities and what’s required for claim approval

Unsure if your coverage includes flood or “Acts of God”? Your Policy & Account Manager will guide you based on your policy documents and help you prepare accordingly.

Step 4: Inspection and Damage Assessment

Reliable will coordinate the adjuster inspection.

For vehicles, a repair shop inspection and engine teardown may be required.
For properties, structural inspection and contractor estimates may be requested.

Reliable monitors the claim and helps schedule or follow up on adjuster appointments on your behalf.

Step 5: Settlement, Repairs, and What Comes Next

Once your claim is approved, your Policy & Account Manager (PAM) will coordinate the next steps for settlement. This may include:

Confirming the approved amount or scope of the settlement
Coordinating with your chosen or accredited repair provider
Guiding you on any additional documents needed for disbursement
Helping arrange the check release or direct payment, depending on the insurer’s process

Every insurer may have a different approach to releasing settlements or handling repairs. That’s why Reliable is here—to help you understand the process and avoid confusion.

Have questions during settlement? Your PAM is ready to clarify timelines, next actions, or delays so you're always informed.

How Reliable Supports You From Start to Finish

Dealing with flood damage can feel overwhelming, but you’re not alone. Reliable Insurance Brokers is here to support you throughout the entire claims journey, from the first call to final settlement. We work on your behalf to make sure everything is handled properly, promptly, and professionally, so you can focus on recovery, not red tape.