Typhoon Carina -
How to file an Insurance Claim

Contact your agent, broker or insurance company representative for assistance.

Document the damages through photos or videos.

This is a guideline in filing an insurance claim for your property or vehicle.

Residential or Commercial Property damaged by Typhoon and Flood

Insured Home or Commercial Property - steps in filing a typhoon or flood claim

Check your insurance policy if it:
- is in-force - look for the effective and expiry dates
- includes Typhoon and Flood coverage

Take photos
- Include photos of building damage and flood line
- Include photos of damaged contents
- You may also take videos to substantiate the claim

Prepare the documentary requirements
- Copy of insurance policy
- Proof of ownership (e.g. title, TCT)
- For contents, list down all items (damaged & undamaged) if possible, include the year acquired.
- Keep official receipts for repairs, etc.

Have your property inspected
- Once reported to the insurer, a visit from the assigned adjuster will be scheduled.
- Segregate all damaged items (contents) in a secured area for possible verification;
- Best that the property be inspected immediately, before cleaning or repair.

Be aware of the policy deductible

Deductible, is the part of the insured's participation in the claim. For Typhoon and Flood Claims (also earthquake), it is 2% of affected item. This is standard for insurance policies in the Philippines with typhoon, flood & earthquake coverage.

If the loss is beyond the deductible, it is worth filing an insurance claim. On the other hand, if the amount of damage is negligible and may fall within the deductible, there is no point in filing a claim because the policy will not pay out.

Motor Vehicle Damaged by Typhoon and Flood

Insured Private Car - steps in filing an acts of nature claim

Check your insurance policy if it:
- is in-force - look for the effective and expiry dates
- includes “Acts of Nature” coverage

Take photos of the vehicle
- Photos showing the damages, if possible, include photos while vehicle is submerged.
- Photos showing the plate number.

Gather the claim requirements and submit to insurance company
- Including the Photos, you need to submit the following:
- Filled-out Claim Form or Notarized Affidavit
- Vehicle’s ORCR
- Driver’s license (if vehicle was being driven while flooded)
- Filled-out questionnaire (if the insurer requires this)
- Repair estimate from casa or accredited repair shop - this can be “to-follow” but best to submit as soon as possible.

Go through the motor car claims process
- Your vehicle will require inspection by a representative by the insurance company or an adjuster, to determine the extent of the damages
- Best NOT to repair the vehicle until there is an approval or repair authority
- Repair of your vehicle will depend on speed of claim approval, availability of parts and capacity of repair shop.

Deductible of car insurance policies

Own damage claims, whether acts of nature-related or not, requires a deductible, which is part of the insured's participation during claims. Claimants must pay this "participation" before the insurance policy pays out.

Car insurance policies in the Philippines have varied deductible rates. Check the insurance policy schedule as the deductible should be indicated there.

Typhoon Carina - How to file an Insurance Claim