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Establishment of Total loss and Claims Processing Procedures illustrate

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  • 1.Establishment of Total loss and Claims Processing Procedures
  • 2.Government demolition notice/order or direct demolition of residence
  •     2.1Compensation
  • 3.Appraisal by qualified adjustor
        3.1Uninhabitable and rebuilding required(go to 4)
        3.2Residence is deemed uninhabitable without repair or rebuilding(go to 5)
  • 4.Uninhabitable and rebuilding required
    4.1Compensation
        4.1.1Indemnity paid to policyholder
  • 5.Residence is deemed uninhabitable without repair or rebuilding
    5.1Repair cost ≧ Replacement cost
        5.1.1Compensation(go to 5.1.1)
    5.2Cannot be appraised
        5.2.1Reappraisal meeting
            5.2.1.1Meeting reappraisal 、Written reappraisal、Entrusted appraisal on case-by-case basis
                5.2.1.1.1No compensation
                    5.2.1.1.1.1Policyholder accepts/rejects
                        5.2.1.1.1.1.1Accepts(go to 5.3.1.1.1.1)
                        5.2.1.1.1.1.2Rejects
                            5.2.1.1.1.1.1.1Litigation or arbitration
                                5.2.1.1.1.1.1.1.1Does not meet compensation criteria (go to 5.3.1.1.1.1)
                                5.2.1.1.1.1.1.1.2Meets compensation criteria(go to 4.1.1)
    5.3Repair cost < Replacement cost
        5.3.1No compensation
            5.3.1.1Policyholder accepts/rejects
                5.3.1.1.1Policyholder acce -pts/rejects
                    5.3.1.1.1.1Case closed without compensation
                5.3.1.1.2Rejects (go to 4.2.1)
  • 6.Note: The TREIF should conduct a follow-up spot check and reappraise the spot check case at the reappraisal meeting.
Updated：2021-11-24 Views：911
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