Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
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Disclosure in Fire Insurance Policies: Avoiding Forfeiture Under the Other Insurance Clause
A fire insurance claim can be forfeited for failing to disclose other policies covering the same property. Learn the rules.
False Declarations in Insurance Claims: When Fraud Voids a Fire Policy
The Supreme Court voided a P50-million fire insurance claim after finding the insured padded its losses, showing how false declarations forfeit policy benefits.
Reforming Insurance Policies How Manifest Intent Prevails Over Technical Descriptions In Property Claims
A fire insurance dispute shows how courts prioritize the parties' true intent over technical misdescriptions in policies.
No Premium, No Policy: Philippine Insurance Law on Payment and Coverage
Philippine Supreme Court clarifies that fire insurance policies require actual premium payment before coverage attaches, rejecting implied credit arrangements.
Insurable Interest: Can a Landlord Claim Insurance on a Tenant's Property?
Philippine Supreme Court rules a landlord cannot claim fire insurance proceeds on a tenant's merchandise without insurable interest. Learn the key principles.
Fire Insurance Premiums: When Partial Payment Is Not Enough in the Philippines
Philippine Supreme Court rules on whether partial premium payment makes a fire insurance policy valid and binding.