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财产保险索赔程序（中英文双语版）
财产保险索赔程序（中英文双语版）
1.Whenever a lo is know to have occurred which may give rise to a claim under the Policy, you should notify Brokers, Agents, Insurers and report to Police Station(in case of burglary, theft, fire, malicious damage to other similar nature)immediately by phone and give contact phone number and person.当发生可能是保险责任范围内的损失时，应当立即通知保险经纪人、代理人、被保险人；如案件涉及盗窃、火灾，或恶意破坏时应报告公安机关并留下联系电话和联系人。
2.Give notice thereof in writing to the Insurers together with a Claim Form and shall within 30 days after such destruction or damage, or such future time as the Insurers may in writing allow.以书面形式通知保险人，并在保险公司允许的时间内（一般为30天）填写出险通知书和索赔清单。3.A claim form is filled and this will provide the insurers with the following information:向保险人提供包括下列内容的表格：
a)Date, cause, and circumstances of the incident;事故发生的时间、原因及损失程度
b)Situation and occupancy of the premises;房屋的占用情况及性质
c)Capacity in which the insured claims(whether for example, as owner, or mortgagee);索赔人的地位，举例说是业主或是抵押债权人
d)Whether any other person is interested in the property damaged;其他人是否对受损财产有利益存在e)Whether there is any other insurance in force.是否有其他保险存在 4.Deliver to the Insurers a detailed claim in writing containing:以书面形式向保险人提供详细之索赔清单，包括：
a)List of property destroyed or damaged;损毁财物的清单
b)The amount of destruction or damage thereto respectively having regard to their value at the time of the destruction or damage受损毁时的数量和价值
5.Keep properties/scene affected and make them available for inspection by a representative or surveyor of the Insurers for a reasonable period of time but the Insured shall not in any case be entitled to abandon any property to the Insurers whether taken poeion of by the Insured or not.在合理的时间内保持现场，以便保险人的代表或查勘人员到场查勘，无论如何，被保险人不得放弃任何财产，保险人不接受委付。
6.Furnish all such information and documentary evidence as the Insurers may require.提供保险人所需的情况、资料、单证
7.Inform and aist the Police authorities in case of lo or damage due to theft or burglary or malicious action or fire.发生盗窃案时通知公安当局并提供协助
8.Give to the Insurers all information and aistance to enable the Insurers to proceed subrogation or institute proceedings.向保险人提供资料和帮助，以便保险人可以行使代位追偿的权利 9.Primarily Required Document所需主要文件 a)Incident Report事故报告
b)Police Station Location and Police report, fire report 公安机关证明、火灾原因报告c)Quotations 报价单 d)Invoices 发票
e)Accounting records and inventory 账册及盘点清单
f)Authorization and Subrogation letter（向第三者追偿的）授权书、追偿书
g)Photos showing the extent of claim 照片（可表明损失程度）
h)Other information upon request of Insurers其他保险人需要的资料 10.Important Note 重要通知
a)The Insured should not disturb the incident scene, 被保险人不得破坏现场 b)It is the duty of the Insured to minimize the extent of lo and safeguard all damaged property.减少损失，保护受损财产是被保险人的义务
c)Do not throw away any damaged property until the Insurers has inspected the damaged item and consented to remove it from your premises.在保险人查勘受损财产并同意清理现场之前，被保险人不得擅自放弃受损财物
d)To take photos of the damaged items immediately after the lo/damage is discovered.一旦发现（财物）受损，应将受损物品拍照。
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