Home Insurance Claim

Process

Immediately report your claim for any loss or damage to Philippine British Assurance Co., Inc. Branch nearest you.
Take all reasonable steps to preserve the debris and traces of fire and protect the insured’s property from further damage.
Once the loss has been investigated and the damage has been assessed by Philippine British Assurance Co., Inc. In-House Adjusters, SUBMIT ALL THE REQUIRED DOCUMENTS to enable PHILIPPINE BRITISH to process and settle your claim.

General Requirements

Insurance Policy Contract, Policy Schedule and its Official Receipt of Premium Payment
Endorsements / Attachments (if any)
Sworn Statement of Claim (notarized)
Non-Waiver Agreement (notarized)
Certification from Bureau of Fire Protection
Photographs
Assured’s Affidavit or Statement declaring
- Nature of ownership of the property insured
- Location of property
- Extent of damage and salvage value
- Value of property damaged and destroyed
- Liens and encumbrances (if any)
- Year the building was constructed and original construction cost (for building)
- Any information related to the loss

Additional Requirements

For building loss

A civil engineer’s or architect’s detailed estimate (obtained at the expense of the Assured) to place the building in the same state as before the fire (no contemplated improvements may be included in the estimate and a proper allowance for age and depreciation, etc. must be allowed)
Certified copy of the building permit
Certified copy of the Declaration of Real Property for the building
Copy of the building plan/sketch prepared by the engineer/architect
Lease contract or agreement if the assured is not the lot owner
Certificate of Lot Title
Deed of Sale, if the building was purchased

For Contents / FFF / Machinery & Equipment Loss

A complete inventory of all the items contained in the insured premises showing the cost price of each and date acquired
A detailed inventory or list of the items damaged or destroyed showing the cost price of each and date acquired
Records, purchase invoices, delivery receipts or any other proof of acquisition
Contract of Lease or Agreement, if the assured is not the building owner\
If insured property is owned by a company or corporation
Mayor’s Permit / Business License / Certificate of Registration of Business Name
Certified copies of Income Tax Returns for the last two (2) years and the accompanying Financial Statements filed with BIR, in case of total loss

For Stocks-in-Trade Loss

Mayor’s Permit / Business License / Certificate of Registration of Business Name
Certified copies of Income Tax Returns for the last two (2) years with accompanying Financial Statements filed with BIR
Purchase and Sales Invoices / Delivery Receipts or Vouchers or Official Receipts (Purchase and Sales) / Purchase and Sales journal and other business records
Other pertinent documents relative to the business

In case of partial loss

Complete inventory or list of all the damaged items contained in the insured premises showing the cost price of each, extent of loss and salvage, if any.