I If there has been an earthquake:

1. Make sure you and your family members are safe, following instructions from the authorities;

2. Contact the insurance company through which the PAD policy was issued as soon as possible, but no later than 60 days from the date of the insured event, to report the claim.
If you are on social assistance, contact PAID directly for damage assessment.

II If there has been a flood due to natural causes or a landslide:

3. Immediately notify the competent authorities! The first step after the occurrence of a natural disaster (earthquake, flood, or landslide) is to contact the authorities near the site of the incident. They will assess, declare the state of disaster, and delineate the disaster-stricken areas so that any damage covered by the insured risks can be accurately identified. The authorities to whom you should address are:

•    County Inspectorate for Emergency Situations I.S.U.
•    The municipality of the locality where the insured residence is located, through the Volunteer Services for Emergency Situations-  S.V.S.U./ Local Committee for Emergency Situations e - C.L.S.U.

4. The next step is to request the aforementioned authorities to draw up the minutes/report that certify the occurrence of the insured event.
5. Take the necessary measures to limit the damage and prevent further degradation.
6. Contact the insurance company through which the PAD policy was issued as soon as possible, but no later than 60 days from the date of the insured event, to report the claim. If you receive social assistance, contact PAID directly to report the claim.

The property damage claim is the written document by which a person informs the insurer of damage to the insured residence/dwelling. This document must contain data that allows the identification of both the insured person and a valid insurance policy, as well as details about the event (date/period of occurrence, type of event, and the consequences of its occurrence).

In order to complete the damage claims, the insured party (homeowner) at the time of the incident must have on hand the valid PAD policy and the identity card of the insured/policy holder or his/her authorized representative/signatory.

The damage claim notice can be done in writing or by phone, in which case the damage compensation claim form is filled out by the call center operator. In either case, it is mandatory to fill in all the fields on the damage claim document (only in RO) being required.

Following the written notification, the insurer will open a claims file. Within a maximum of 5 days, a representative of the insurer will come to the location of the incident to assess the claimed damages. Together with them, a Damage Assessment Report will be completed.

A damage inspection report is the document in which the damages that occurred at the insured residence/dwelling following a natural disaster are recorded. It will be completed and signed on-site by both the inspecting officer and the insured person. The damage inspection report, signed by both parties, is transmitted to the insured through the communication channel established during the assessment.

1.    Documents issued by competent authorities indicating the causes and circumstances of the occurrence or appearance of the natural disaster – Inspectorate for Emergency Situations, Volunteer Services for Emergency Situations (SVSU) / Local Committee for Emergency Situations (CLSU) within the Municipality, Prefecture, or other authorities empowered by law, (National Meteorological Administration); In case of an earthquake, the evidence of the event's occurrence is represented by the reports received by PAID from the National Institute for Earth Physics (NIEP), and PAID regularly receives these reports so that the policyholder's effort is no longer necessary.

2.    Copy of ID card of the insured.
3.    Property documents related to the insured residence, in copy.

The most common forms of property deeds for real estate are:

•     Sale-purchase agreement;
•     Donation agreements;
•     Legal heir certificate compulsory in case the owner or the insured has passed away.
•     Building permit together with the completion/commissioning (final) report   
•     Report of the auction adjudication process of the real estate property along with the record of vesting of possession (in the case of properties acquired through a public auction).
•     The title of ownership and the official document for vesting of possession in the case of properties restituted under Law No. 10/2001 (republished, with subsequent amendments and completions) regarding the legal regime of certain properties illegally confiscated between March 6, 1945, and December 22, 1989.
•     Court decision

Alternatively, where property deed(s) are not available, the following documents can be presented to demonstrate the entitlement to compensation:

•        A tax registration certificate issued by the administrative authorities, indicating that the insured property is registered in the fiscal record under the name of the insured.
•  
•        Agricultural Certification, issued by the local Town Hall where the insured property is located.
•        Notarial declaration/deposition, at one's own risk, given by the person requesting compensation, from which it results that she is the owner/co-owner of the residance/dwelling and undertakes to compensate persons who, eventually, will prove with documents their status as owners/co-owners of the insured residance/dwelling.

ATTENTION!
* Claims inspectors may request additional documents after the assessment or may provide the insured with information on the steps to complete the insurer’s claims file.
* The commencement of repair works on the property/dwelling can only be carried out after the damages have been assessed/ascertained by the representative of the insurance company.