What to Do When A Fire Occurs?
After the fire fighting operation, the insured must:

1. Immediately report the incident to the insurance company.
2. Protect the property from further damage (from theft or from exposure to the weather).
3. Separate the damage and undamaged personal property and put them in the best possible order.
4. Prepare a complete inventory of destroyed, damaged or undamaged property showing in details quantities, costs, actual cash value and the amount of loss that will be claimed.
5. Submit the required documents to support your claim.

What Documents are Required for Fire Loss Claim?

General Requirements

• Sworn Statement of Loss and Formal Claim (form to be provided by the insurance company)
• Non-waiver agreement (form to be provided by the insurance company)
• Copy of Insurance Policy
• Copy of Official Receipt of premium payment
• Affidavit of loss stating the date, time and place where and how the fire started
• Photographs of property (damaged or undamaged) properly labelled and signed by the insured at the back
• Fire Department Report

Specific Requirements

• Building
  • Detailed estimate of the reconstruction cost or repair cost (whether total loss or not) prepared by a duly licensed Civil Engineer, Architect of Contractor
  • Declaration of Real Property
  • Transfer Certificate of Title
  • Lease Contract (if lot belongs to other than Insured)
  • Building Permit or other documents to establish date of construction, repairs or renovations
  • Floor Plan
  • Appraisal Report, if any
• Furniture, Fixtures, Fittings and Personal Effects
  • Detailed inventory of property at risk whether damaged or undamaged, showing date of acquisition, acquisition cost, value at time of loss or damage and salvage if any.
  • Purchase invoices, delivery receipts, other available records
• Stocks
  • Detailed inventory of all stocks at risk whether damage or undamged showing cost per item, extent of loss or damage and salvage, if any
  • Books of accounts, bills, invoices and other vouchers or certified copies thereof if originals are not available. This requirement includes but not limited to purchase and sales invoices/delivery receipts and official receipts
  • Income Tax Returns and related audited Financial Statements for the last 3 years previous to the loss
  • Latest itemized inventory of stocks filed with and duly stamped byt he BIR
  • Business licenses, permits and other government requirements to engage in business
  • Registration of business name
  • SEC Certificate with Articles of Incorporation or Partnership as the case may be

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