Property/Fire Claims

General Requirements

1. Original or copy of the policy including warranties and clauses attached to it
2. Pictures of the damaged properties
3. Inventory list of the insured property/ies damaged with the corresponding valuation of repair or replacement, liens and encumbrances, if any, and estimated value of salvage
4. A brief written report on the events that lead to the loss, including the name of witness/es, if available, the 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 No. 1 to 6 of the General Requirements
2. A civil engineer or architect’s detailed estimate (obtained at the expense of the insured) in order 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. Item No. 1 to 6 of the General Requirements
2. Detailed inventory of the damaged articles showing the cost price of each, extent of damage, salvage value (if any), and 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, led with the Bureau of Internal Revenue or any other 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 the Income Tax Return Form together with the financial statements of the last three (3) years
9. Accounts and Purchases Books, sales invoices, and all other business records (to be made available for the adjuster ’s review)
10. Location of other store/s or warehouse and amount of insurance on stocks contained therein, if any
11. Other documents that may be required by the adjuster.

For Robbery/Burglary Claim

1. Copy of the 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 the insured property/ies with the corresponding valuation of replacement, liens and encumbrances, if any
6. Pictures showing damaged, stolen properties
7. Other documents that may be required by the adjuster

For Machinery and Equipment/FF Claim

1. Item No. 1 to 6 of the General Requirements
2. Detailed inventory of the damaged or destroyed articles showing the cost price of each and the acquisition date
3. Records, invoices, and receipts, if any (to be made available for the adjuster’s review)
4. Building contents layout
5. Other documents that may be required by the adjuster

For Pier Impact Claim

1. Copy of the policy with warranties and clauses attached to it
2. Comprehensive loss report indicating circumstances of loss
3. Marine Protest (to be led with the Philippine Coast Guard within 24 hours from the date of loss)
4. Formal claim against the vessel owner (to be led 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 may be required by the adjuster

For Spontaneous Combustion Claim

1. Copy of the policy with warranties and clauses attached to it
2. Insured’s report on the circumstances of the loss
3. Laboratory analysis of the 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 may be required by the adjuster