claimsguidetitlex

nonmotorcarclaimstitle


  1. All Non-Motor Claims filed must be immediately submitted/reported to TRINITY INSURANCE BROKERS, INC. The following information should be immediately reported:
    • Policy number
    • Brief narration of the incident
    • Extent of loss (whether partial or total)
    • Contact person and telephone number
  2. Assured must take all reasonable steps to preserve the debris and traces of damages caused by the unfortunate event for inspection purposes and protect the property from further damage.
  3. Premium payment/remittance for the insurance policy subject of claim shall be verified. If the premium has not been paid, the policy cannot respond and considered ineffective.
  4. Upon receipt of notice of loss, TRINITY INSURANCE BROKERS will report to the Insurance Provider and will request to assign an accredited Adjuster who shall arrange ocular inspection and investigation of the incident/loss.
  5. The validity and authenticity of the claim shall be established through ocular inspection and investigation to be conducted by the Adjuster and by verifying the consistency of information gathered and stated in the documents submitted vis-à-vis the declarations in the policy.
  6. All claim documents must be complete, clear and readable. TRINITY INSURANCE BROKERS may request for additional indispensable documents that may be found necessary in the course of the evaluation of a claim.
  7. The liability of Insurance Provider shall be subject to valuation and shall be limited to the actual loss, subject to the applicable conditions and warranties of the insurance policy and in no case shall exceed the insurance policy coverage.
  8. The Salvage Value of the retrievable items and insurance policy deductible (if any) shall be deductible from the computed amount of loss to determine the net liability.
  9. TRINITY INSURANCE BROKERS shall verify and coordinate with co-insurers (if any) covering the same property involved in the loss. The co-insurers shall proportionately share the amount of loss.
  10. 10. The AVERAGE CLAUSE shall be applied in case the property covered is underinsured. The Assured shall be considered as co-insurer for the uninsured portion of the sound value of the property and shall bear a ratable proportion of the loss.
  11. Upon completion of evaluation and acceptance of offer from assured, TRINITY INSURANCE BROKERS shall facilitate in the early release of the settlement check from the Insurance Provider
  12. The settlement check will be sent by TRINITY INSURANCE BROKERS to the assured once received from the Insurance Provider.

The quick and efficient processing of your claim is very much dependent on the completeness of the documents submitted. Basically, the following are the required claim documents for the various kinds of Non-Motor Car Claims.

propertyfireclaimtitle
General Requirements
  1. Original or copy of policy including warranties and clauses attached to it
  2. Pictures of the damaged properties
  3. Inventory List of insured property/ies damaged with corresponding valuation of repair or replacement, liens and encumbrances, if any, and estimated value of salvage
  4. A brief written report as to the events that lead to the loss, including the name of witness/es, if available, location/nature of ownership of the property/ies insured and the year the building was constructed as well as the original construction cost (for building loss)
  5. Arson Investigation Report or Fire Certification
  6. PAG-ASA Report (for lightning, typhoon, and other weather disturbance losses)
  7. Other documents that may be required by the adjuster
For Building Claim
  1. Item Nos. 1 to 6 of the General Requirements
  2. A Civil Engineer’s or Architect’s detailed estimate (obtained at the expense of the insured) to place the building in the same state of repair as before the accident
    NOTE: no contemplated improvements may be included in the estimate, and/or proper allowance for age and depreciation, etc. may be allowed
  3. Appraisal report, if any
  4. Copy of the building plan, complete with dimensions and design specifications
  5. Lease contract or agreement, if assured is not the lot owner
  6. Certified true copy of building permit, Transfer Certificate of Title and Declaration of Real Property
  7. Other documents that may be required by the adjuster
For Goods and Merchandise Claim

 

  1. 1. Item Nos. 1 to 6 of the General Requirements
  2. 2 .Detailed inventory of articles damaged, showing the cost price of each, extent of damage and salvage value, if any, if the risk sustained partial or water damage
  3. Proof of damage (technical report/laboratory analysis)
  4. Inventory of the whole goods and merchandise in the building (for partial loss)
  5. Latest Inventory report, for total loss, filed with the Bureau of Internal Revenue or any Government entity, prior to the loss
  6. Movement reports/documents in between the last inventory report submitted and the date of loss (for total loss)
  7. Production and movement report, for loss in the manufacturing area
  8. Certified true copies of Income Tax Return together with the financial statements for the last three (3) years
  9. Books of Accounts, Purchases and sales invoice and all other business records (to be made available for the adjusters review)
  10. Location of other store/s or warehouse and amount of insurance on stocks contained therein, if any
  11. Other documents that maybe required by the adjuster

 

For Robbery/Burglary Claim
  1. Copy of policy with warranties and clauses attached to it
  2. Insured’s report on the circumstances of the loss
  3. Police Investigation Report
  4. Affidavit or statements of witnesses (if any)
  5. Inventory list of insured property/ies with corresponding valuation of replacement, liens and encumbrances, if any
  6. Pictures showing damaged, stolen properties
  7. Other documents that maybe required by the adjuster
For Machinery and Equipment / FFF Claim
  1. Item Nos. 1 to 6 of the General Requirements
  2. Detailed inventory of articles damaged or destroyed, showing the cost price of each, and the date acquired
  3. Records, Invoices, Receipts, if any (to be made available for adjusters review)
  4. Building Contents lay-out
  5. Other documents that may be required by the adjuster
For Pier Impact Claim
  1. Copy of policy with warranties and clauses attached to it
  2. Comprehensive loss report indicating circumstances of loss
  3. Marine Protest (to be filed with the Phil. Coast Guard within 24 hours from the date of loss)
  4. Formal Claim against the vessel owner (to be filed within 30 days from the date of loss)
  5. Underwater survey
  6. Photographs of the damaged property
  7. Complete plans and design specification of the affected property
  8. Detailed estimate, including bid proposals, if any
  9. Technical Report
  10. Other documents that maybe required by the adjuster
For Spontaneous Combustion Claim
  1. Copy of policy with warranties and clauses attached to it
  2. Insured’s report on the circumstances of the loss
  3. Laboratory analysis of burnt product for adjustment of volume
  4. Weigh scale/ticket card indicating the volume of the burnt product
  5. Daily Inventory/Production Records prior to the incident
  6. Shipping/Delivery Records
  7. Pictures of the burnt product
  8. Other documents that maybe required by the adjuster
For Robbery/Burglary Claim
  1. Copy of policy with warranties and clauses attached to it
  2. Insured’s report on the circumstances of the loss
  3. Police Investigation Report
  4. Affidavit or statements of witnesses (if any)
  5. Inventory list of insured property/ies with corresponding valuation of replacement, liens and encumbrances, if any
  6. Pictures showing damaged, stolen properties
  7. Other documents that maybe required by the adjuster

 


marineandcargohullclaimstitlex

Marine Cargo Claim Requirements
  1. Copy of insurance policy with warranties and clauses attached
  2. Formal advise from insured to insurer regarding the claim
  3. The following are to be submitted
    a.Marine Risk Note and endorsement, if any
    b.Commercial Invoice
    c.Bill of Lading
    d.Packing Lists
    e.Copies of formal claim against the following
    1. Arrastre operator/contractor
    2. Vessel's owner/agent
    3. Other bailee's like custom's broker, etc. and their respective replies
    f. Copy of Delivery Receipts
    g. For Claim involving shipments in Bad Order condition :
    1. Bad o issued by the arrastre contractor
    2. Copy of turn-over survey of bad order on board cargoes issued by the arrastre contractor as attested by the vessel´s representative
    3. Original laboratory or quality control analysis
    4. Original invoice for repair/ reconditioning of bad order or damaged items
    h. For Claim involving short-landed shipment/ spillage/ leakage
    1. Bad order certificate issued by the arrastre cont contractor
    2. Turn-over survey on bad order cargoes
    i. For Claim involving short delivered shipments:
    1. Short delivery or short landing certificate issued by the arrastre contractor certifying the non-discharge of packages or tally sheet of discharge
    2. Notice of unlocated cargo filed by the insured´s custom broker against the ship owner or arrastre contractor
    3. Permit to deliver imported goods
    j. For Theft or Pilferage claim:
    1. Turn over survey
    2. Bad order certificate
Marine Hull Claim Requirements
  1. Copy of Marine Hull Policy
  2. Copy of vessel´s Certificate of Philippine Registry
  3. Copy of vessel´s Certificate of Ownership
  4. Copy of vessel´s Coastwise License
  5. Copy of vessel´s Departure Clearance
  6. Copy of vessel´s Certificate of Inspection
  7. Master´s Note of Protest
  8. Repair estimate of damaged vessel
  9. Deck Logbooks/ extracts covering the repair period
  10. Statements of the cost and expense of towing together with additional costs and expenses of putting the vessel in two worthy condition in accordance with the Hull Underwriter´s Surveyors recommendation
  11. Survey Reports and Bill
  12. Statement of Fees and Expenses incurred in attending the casualty and diving survey
  13. Other documents that may be required
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