PROCEDURE IN FILING A CLAIM: 

I. Filing Motor Car Claim 

II. Filing Fire Claims 

FILING MOTOR CAR CLAIM  

GENERAL REQUIREMENTS     [Top page]

  1. Complete photocopy of the face of the Policy Contract and Policy Schedule
  2. Photocopy of the Official Receipt (OR) of premium payment
  3. Photocopy of Endorsement (if any) 
  4. Photocopy of Car Registration and Motor Vehicle Registration Receipt 
  5. Photocopy of Driver’s License and OR 
  6. Police Report 
  7. Affidavit of the driver (if the circumstances are not clear in the police report) 

ADDITIONAL REQUIREMENTS   [Top page]

For Total Loss   [Top page]

  1. Purchase Invoice/ Delivery Receipt 
  2. Outstanding balance from the bank (if mortgaged) 

For Carnap   [Top page]

  1. Complaint Sheet 
  2. Alarm Sheet 
  3. Original Keys 
  4. Purchase Invoice/ Delivery Receipt

For Third Party Property Damage   [Top page]

  1. Insurance Policy 
  2. Car Registration and Official Receipt 
  3. Driver's License and Official Receipt 
  4. Certificate of No Claim from Insurer 
  5. Stencil of Motor and Chassis Number 
  6. Colored pictures  
  7. Estimates

For Third Party Other than Vehicle   [Top page]

  1. Colored pictures of the damaged property 
  2. Estimated cost of repairs of the damaged property 
  3. Proof of ownership 
  4. Stencil of Motor and Chassis Number of insured vehicle

For Third Party Bodily Injury   [Top page]

  1. Medical Certificate 
  2. Receipts of Medicine 
  3. Hospital Bills 
  4. Birth Certificate (if minor)
  5. Stencil of Motor and Chassis Number of Insured Vehicle 

For Third Party Death   [Top page]

  1. Death Certificate 
  2. Funeral Receipts 
  3. Marriage Contract (if married) 
  4. Birth Certificate (if minor or single) 
  5. Stencil of Motor and Chassis Number of insured vehicle

PROCEDURE    [Top page]

  1. Report to the nearest police station for investigation and secure a copy of the police investigation report 
  2. SUBMIT ALL THE REQUIRED DOCUMENTS either to the branch, agency or dealer where you acquired your insurance 
  3. The outlet where you filed your documents shall assign your claim to the Company’s official estimator for the inspection of the unit to determine the fair extent of damage sustained. 
  4. PLEASE COMPLY WITH THE ASSIGNED SCHEDULE FOR INSPECTION TO AVOID DELAY 

  5. The outlet where you filed your claim will inform you of the approved amount of claim and the amount of your participation in betterments.  This will be done either by: 

  • Letter of Authority (LOA) addressed to the shop which will undertake the repair, or 

  • Cash Settlement 

VERY IMPORTANT REMINDERS      [Top page]

  1. Never have your unit repaired without approval of the Company’s Claims Division.  This is a ground for denial of claim. 
  2. In case insured unit is disabled, it is a requirement to make arrangements for safekeeping of the insured unit, as stated in your policy. 
  3. We strongly suggest that the photocopies of the first five general requirements be readily available (preferably inside the glove compartment of your car) 

FILING FIRE CLAIMS  

GENERAL REQUIREMENTS     [Top page]

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

ADDITIONAL REQUIREMENTS    [Top page]

For building Loss    [Top page]

  1. 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) 
  2. Certified copy of the building permit 
  3. Certified copy of the Declaration of Real Property for the building
  4. Copy of the building plan/sketch prepared by the engineer/architect 
  5. Lease contract or agreement if the assured is not the lot owner 
  6. Certificate of Lot Title 
  7. Deed of Sale, if the building was purchased

For Contents / FFF / Machinery & Equipment Loss    [Top page]

  1. A complete inventory of all the items contained in the insured premises showing the cost price of each and date acquired 
  2. A detailed inventory or list of the items damaged or destroyed showing the cost price of each and date acquired 
  3. Records, purchase invoices, delivery receipts or any other proof of acquisition
  4. Contract of Lease or Agreement, if the assured is not the building owner

If insured property is owned by a company or corporation –  

  1. Mayor’s Permit / Business License / Certificate of Registration of Business Name 
  2. 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    [Top page]

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

In case of partial loss:

  1. 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

In case of partial loss:

  1. In the absence of invoices, submit supplier's certificate of itemized sales and deliveries.
  2. Latest Inventory of Merchandise submitted to BIR prior to the loss

PROCEDURE     [Top page]
In the event of fire loss incident, simply do the following:  

  1. Immediately file a notice of claim to Winebrenner & Iñigo Insurance Branch nearest you. 
  2. Take all reasonable steps to preserve the debris and traces of fire and protect the property from further damage. 
  3. Once the loss has been investigated and the damage has been assessed by Winebrenner & Iñigo Insurance In-House Adjusters, SUBMIT ALL THE REQUIRED DOCUMENTS to enable Winebrenner & Iñigo Insurance to process and settle your claim.