1. Incident report or letter issued by your building manager certifying the location and the cause of the loss

2. ORIGINAL purchase receipt(s) of the damaged/lost property(ies)

3. An estimate of repair costs. (It should be submitted and approved by AIG Claims Department before making any repair)

4. Color photos of the damage(s), if any

5. Police report &/ Fire report, if applicable

1. Incident report or letter issued by your building manager certifying the location and the cause of the loss

2. Details of the involved Third Party(ies) including:-
i). Name of Third Party(ies) and details of damage/injury
ii). Telephone Number
iii). Address

3. Name and Telephone Number of witness(es) (if any)

4. Color photos of the damage(s)/the incident scene

5. Police report, if any 

Normally, damage due to water seepage or leakage is excluded from a policy. However, different policies have different coverage. In any event, you should report this damage to your building manager. It may be covered by your Building Master Insurance Policy provided by the building manager and/or Mortgage Building Policy.

You should report the complaint to your building manager. You should also look into the actual cause of the damage and take any necessary remedial action immediately. You should NOT admit liability without our prior written consent. If your policy covers liability, you should report the case to us and submit a completed Claim Form as soon as possible. We will arrange loss adjusters to conduct investigation, if necessary.

You should report this incident to your building manager and look into the actual cause of the damage. You should not admit liability to any party without our prior written consent. If your policy covers liability, you should report the incident to us by submitting a completed Claim Form as soon as possible. We will arrange loss adjusters to conduct investigation, if necessary.

Normally we do not have policy excess under the Public Liability Policy. However, different policies have different terms and conditions. If the claim is covered under the policy, we will pay the claimant's cost and disbursement and our own defence costs and expenses. You should check the details of your policy to determine the actual coverage provided under your policy.

Report the accident to the police (if necessary), and to the building manager. Obtain a copy of the incident report and take photographs, if possible. Report the accident to us immediately on the next business day. 

The term "Building" is generally defined as all immovable items which are attached or annexed to the building, including windows, wall paint, wallpaper, ceiling, flooring, doors and landlord's fixtures and fittings. "Contents" are generally defined as all movable property (not building items) such as electrical appliances and furniture. "Building Betterment" generally refers to the interior building improvement including refurbishment of fixtures and floorings. It should be carried out and be paid for by the insured. You should first submit a claim to the building insurers. After the building policy is exhausted, we will then consider the claim under the Building Betterment extension.