This weekend, we were in Tagaytay for a team building activity. We climbed a volcano and marveled at the beautiful sight of Taal Volcano. While we were resting and waiting for some shade on our way down, the conversation turned to where we want to go if we can travel out of the country. Surprisingly, we all wanted to go to Europe. One friend wants to go there to shop at all those designer boutiques and stores like Timberland Schuhe. I want to visit ancient Rome and wonder what it was like during their golden age. Another friend wants to see Paris and all museums all over Europe. We had so much fun dreaming about this trip that they asked me prepare an itinerary and budget so that we will have an idea how far we are from realizing this dream. Of course, this is a challenge but one that is easy for me. I already have hotel ideas, thanks to Hotels Europa Spanien and Hotels weltweit buchen. These websites are so easy to use that I was able to plan a trip right away. And thanks again to these websites, we now know that we need to start saving for this trip right away!
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Remember that I filed an insurance claim for the devastation that typhoon Ondoy brought to my house? Well, it has been 2 and a half weeks since I went to the Pag-Ibig office in Makati to file it. I followed up last week and was told that my application was among the first batch of the insurance claims filed with the adjuster.They said that I should call again this week and get the number of the adjuster so that I can call them as well to follow up. In the meantime, I was told that I can already proceed with the repair of the house and the photos are already sufficient. I was also advised to just keep all receipts of materials that I will buy for the repair. The insurance claim may take 90 days, I was also told.
Well, this is a first time for me so I want to ask all of you if this is really how an insurance claim process or procedure is. I really don't want to do any repair until an adjuster has seen the house. Just to be on the safe side. I would appreciate any advise you can give me.
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Well, this is a first time for me so I want to ask all of you if this is really how an insurance claim process or procedure is. I really don't want to do any repair until an adjuster has seen the house. Just to be on the safe side. I would appreciate any advise you can give me.
It has been 3 weeks since The Great Flood and that Saturday of September 26, made us re-think about our plans for the dream house. We were supposed to move next year, after my eldest son graduates from elementary so he can start his high school here. But after this, we have lost the peace of mind that owning this house give us.
So what's the plan now?
It has been 3 weeks since and we have been there every Sunday to clean up. We are almost done and only half of the back needs to be shoveled. We don't have water and electricity yet, and we haven't checked the wiring's yet. We only boarded up the broken windows and walls. There are no more things to loot anyway so we are just keeping the house as it is, until after we hear from the insurance claim I filed last week.
We have no concrete plans yet. We are in a wait and see mode, cleaning the mud and hoping to move on. I don't want to sell this house because aside from the financial investment, we already have some emotional investments here. Of course, we lost some or most of it. Though friends are always here to give us hope, we are still undecided. But we don't want to decide just yet. So we have continued our amortizations, and did not apply for the three months moratorium.
So let's just wait and see on whether we will still build this dream house.
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So what's the plan now?
It has been 3 weeks since and we have been there every Sunday to clean up. We are almost done and only half of the back needs to be shoveled. We don't have water and electricity yet, and we haven't checked the wiring's yet. We only boarded up the broken windows and walls. There are no more things to loot anyway so we are just keeping the house as it is, until after we hear from the insurance claim I filed last week.
We have no concrete plans yet. We are in a wait and see mode, cleaning the mud and hoping to move on. I don't want to sell this house because aside from the financial investment, we already have some emotional investments here. Of course, we lost some or most of it. Though friends are always here to give us hope, we are still undecided. But we don't want to decide just yet. So we have continued our amortizations, and did not apply for the three months moratorium.
So let's just wait and see on whether we will still build this dream house.
I heard this first on TV and from the news, I saw this part of an article:
Of course, I had to find out if I qualify for an insurance claim. I have been paying for this housing loan for 5 years now and have even qualified for their good payor program. My only problem would be on the title since it is still on process until now.
I called the hotline and was told to submit the following documents at the Pag-Ibig office at the Atrium Building in Makati, Room 314:
1. Barangay clearance or certification
2. Pictures of the damaged property (at least 12 pictures)
3. Bill of materials
From my developer, aside from the above, I was told to get these forms from them and submit to Pag-Ibig also:
4. Insurance application form
5. Sworn Statement-notarized
6. Architect Estimate
I think the architect estimate will include the Bill of materials as well. I will secure these documents within the week and submit to Pag-Ibig as soon as possible. If I can claim some form of insurance, it will be a big help at this time.
Pag-Ibig office is open from 8am-5pm, from Mondays to Saturdays.
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Insurance claim
Members whose houses are currently mortgaged with Pag-IBIG may also file for non-life insurance claim covering the difference of the estimated cost of repairs and the proceeds from the non-life insurance claim, provided it does not exceed P150,000.
Like its regular housing loan program, the pieces of property should be covered by appropriate titles issued by the Register of Deeds “free from all liens and encumbrances” and should be in the name of the borrower.
Members can avail of the rehabilitation loan within 60 days starting October 5, 2009. For any inquiry on the new program, they can visit any Pag-IBIG branch or call the Pag-IBIG hotline at 724-4244.
Of course, I had to find out if I qualify for an insurance claim. I have been paying for this housing loan for 5 years now and have even qualified for their good payor program. My only problem would be on the title since it is still on process until now.
I called the hotline and was told to submit the following documents at the Pag-Ibig office at the Atrium Building in Makati, Room 314:
1. Barangay clearance or certification
2. Pictures of the damaged property (at least 12 pictures)
3. Bill of materials
From my developer, aside from the above, I was told to get these forms from them and submit to Pag-Ibig also:
4. Insurance application form
5. Sworn Statement-notarized
6. Architect Estimate
I think the architect estimate will include the Bill of materials as well. I will secure these documents within the week and submit to Pag-Ibig as soon as possible. If I can claim some form of insurance, it will be a big help at this time.
Pag-Ibig office is open from 8am-5pm, from Mondays to Saturdays.
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