Making a Claim

Our simple claims process ensures you can get the support you need quickly and efficiently when it matters the most. Follow these steps to initiate your claim:

Required Documents:

All Types:

• Required Claim Form: A fully completed form the insurer requires to initiate and efficiently process your claim.
• Insurance Policy and Official Receipt: Proof of the policy and payment.
• Endorsements/Attachments: Any additional documentation or amendments to the policy.
• Certification from Bureau of Fire Protection: Official certification regarding the fire incident.
• Photographs: Visual evidence of the damage.
• Assured’s Affidavit or Statement: Declaration of the nature of ownership of the property.
• Location of Property: Detailed address and location information.
• Extent of Damage and Salvage Value: Description of the damage and the value of any salvageable property.
• Value of Property Damaged or Destroyed: Documentation showing the value of the damaged or destroyed property.
• Liens and Encumbrances: Information on any liens or encumbrances on the property.
• Year of Construction and Original Cost: For building losses, the year the building was constructed and the original construction cost.
• Additional Information: Any other information relative to the loss.

Property All-Risk Insurance:

• Detailed Estimate by Civil Engineer or Architect: For building losses, a detailed estimate to restore the building to its original state, excluding improvements and accounting for age and depreciation.
• Certified Copy of Building Permit: Official permit for the building.
• Certified Copy of Declaration of Real Property: Official declaration of the property.
• Building Plan or Sketch: Prepared by an engineer or architect.
• Lease Contract or Agreement: If the insured is not the lot owner.
• Certified Lot Title: Proof of ownership of the land.
• Deed of Sale: If the property was purchased, a copy of the sale deed.

Commercial All-Risk Insurance (CAR):

• Complete Inventory of Items: List of all items in the insured premises with cost prices and acquisition dates.
• Detailed Inventory of Damaged or Destroyed Articles: List showing cost prices and acquisition dates.
• Records of Purchase Invoices and Delivery Receipts: Proof of acquisition for the insured property.
• Mayor’s Permit/Business License/Certificate of Registration: Proof of business registration.
• Income Tax Returns and Financial Statements: Certified copies for the last two years.
• Stock-In-Trade Documentation: Similar requirements as personal property but specific to business stock.
• Supplier’s Certificate: If invoices are missing, a certificate from suppliers detailing sales and deliveries.
• Latest Inventory Submitted to BIR: Inventory of merchandise prior to the loss.

Industrial All-Risk Insurance (IAR):

• Machinery Breakdown Documentation: Details on the machinery and the specific breakdown event.
• Repair Estimates for Machinery: Detailed cost estimates for repairing damaged machinery.
• Information on Operational Status: Confirmation that damaged machinery was not kept in operation without repair.
• Inspection Reports: Documentation showing inspections of damaged or defective parts.
• Alteration Notifications: Documentation of any alterations that materially affect the risk.

Claims Process:

1. Report Your Claim: Report your claim by calling or messaging +63 917 175 9028, contacting us via FB Messenger, or using our Online Claim Report.
2. Complete Claim Requirements: Gather the necessary documents. Our Policy and Account Manager (PAM) will help you collect and organize everything needed to ensure your claim is completed successfully.
3. Submit Required Documents: Submit all required documents to us. We will forward them to the insurance provider for review and approval. Payment or reimbursement will be processed according to your policy terms.

Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Claims Process.

Additional Provisions for Claims Settlement:

To ensure smooth and efficient claims processing, we have outlined specific provisions that need to be adhered to:

• Timely Reporting: Promptly report any incident within the specified timeframe to initiate the claims process without delays.
• Accurate Documentation: Ensure all required documentation is complete, accurate, and submitted promptly for faster processing.
• Comprehensive Reporting: Provide detailed accounts of incidents, supported by police reports, medical records, and photographs as necessary.
• Preservation of Evidence: Retain any damaged goods or supporting evidence until the claim is fully processed and settled.
• Professional Estimates: Secure clear and professional estimates for repair or replacement of damaged items, ensuring all documentation is thorough and detailed.
• Open Communication: Stay in regular contact with your Policy and Account Manager (PAM) to receive updates and guidance throughout the claims process.
• Compliance with Policy Terms: Ensure all claims adhere to the terms, conditions, and coverage limits outlined in your insurance policy.
• Adherence to Legal Requirements: Follow all relevant legal guidelines, including obtaining necessary permits, and certifications, and complying with any regulations tied to the claims process.

By adhering to these provisions, you can help ensure that your claim is processed efficiently and in accordance with your policy.