August 29, 2012

Calamity Loan for House Repairs

The company I work for offered a calamity loan for those affected by the recent typhoon. The term of the loan is very generous: 6-months zero percent interest and salary deduction.  I availed of this loan because the roof of our house leaked during the heavy rains and we are indeed due for some house repairs.  My mother-in-law who owns the house we are renting is now asking for a quote on how much we need to budget for these repairs.  The roof is the priority actually but I cant help but dream that I can also have the floor tiles installed.  Unfortunately, the loan being offered is not enough to have both the roof and the floor fixed so for now, I am just looking at Downs carpet to satisfy my need to beautify the floor.  Good thing that the carpet that I am looking at looks really good and is priced just right.  Otherwise, I would have to cut the budget for the roof! Although there are other loans being offered for those victims of typhoon, I would rather wait when we have saved enough for other repairs.  The priority now is to change rotting roof sheets so that we wont get panicky again when it rains.

August 18, 2012

Dream House

LMG Projects
I love watching home improvement shows.  I like how they transform an ordinary home into a family's dream house.  It is really my dream to have a beautiful house that I can fill with everything that I love.  Our current home, where we are renting is very small and of course, we cannot make any improvements because its not ours.  But we can only do so much with paints and curtains and while my house here looks okay, I dream of something more.  And while our Montalban is big and we can do with it as we please, I am not sure anymore if we are just throwing good money after bad because of the recent flooding.  What I really want is to build a home from the ground up, using these wonderful materials from Lazer Marble and Granite. I want something like the bath above and luxuriate in a bath to soothe my body.  I want a living area with marble floors and a kitchen with granite counter tops.  This is going to be a dream that I really want to have someday.  Now, it is not yet possible because we are building another dream, that of sending the kids to a nice school.  But once the kids have careers of their own, one day, I will have this dream house.

August 10, 2012

Flooded Again, Ondoy Redux

We live in a compound in Santol Quezon City and our house is located at the lowest portion of the street.  During heavy rains, our street gets flooded but the water subsides immediately after.  I have been living here with my family for 15 years and this is only the second time that the flood water reached our house! This is like Ondoy,  thankfully, on a smaller scale!
When the water reached our gate and the rain was still pouring like crazy on Tuesday, we were already on alert mode and started packing things to be moved to the second floor of my my moms-in-law house. Unlike Ondoy when most of our things got wet because we didn't think the water would reach up to our chest, we prepared for the worst and had almost everything brought to the other house!
During Ondoy, the water rose immediately up to chest level and by the time we wanted to move our clothes piled on top of cabinets and chairs, we were already tired and resigned and the cabinets were toppling over and everything got submerged.  
 Our washing machine got wet last time too so everything had to be washed by hand.  This time, our washing machine was already up on chairs and was ready to be moved again if the water rises once more.
Thankfully, the highest that the water reached was up to our knees and everything was safely moved to the other house. Only the refrigerator got submerged as my husband was not yet home to move it to higher ground.  Anyway, we will just keep it off for a few days and it will be good as new again just like last time. 
One thing I learned after Ondoy was to take no chances.  We moved everything because it would be easier to put them back again than to try to save and clean wet stuff.  It was also very fortunate that I now keep canned goods, noodles and biscuits otherwise we would have to wade through the waters to get to a sari-sari store.  We were not so fortunate during Ondoy because we underestimated the flood but we were prepared now, thank God.  I really feel so bad for people who had to experience this again and I know that despite the inconvenience, we are again luckier than most.  Of course, our house in Montalban is another blog post all together!

August 9, 2012

How To Claim Insurance from Pag Ibig Fund

This is a re-post from my 2009 post when I filed for insurance claim for my house in Montalban during Typhoon Ondoy.

 How to Claim Insurance from Pag-Ibig for Typhoon Ondoy
I heard this first on TV and from the news, I saw this part of an article:

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.

Note: I was able to get my insurance claim 5 months after I filed it in 2009.