Your property is insured 

The object of insurance shall be valuable interests not contradicting the legislation of Ukraine and related to ownership, use and disposal of the property specified in the insurance contract.

The below-defined event shall be regarded as the insured loss in case there is a direct immediate relation between the onset of this event and destruction, damage or loss of the insured property.

	fire (conflagration, explosion, lightning stroke); fire and smoke formation that accompanies it (including soot deposition and corrosion gas emission), except for its breaking out as a result of willful or unintended destruction of or damage (arson) to the property by third parties; lightning stroke; explosion; hurricane, storm; hail; showers, snow cover pressure; flood; rock mass shift; earthquake; rock falls and avalanching; volcanic explosion; tsunami; other natural disasters; influence of liquid from plumbing, sewerage and heating systems as a consequence of their break or overflow, including that from the adjacent premises; destruction of and damage to the property as a result of false turning on of automatic fire-extinguishing systems; theft, robbery, and also destruction, damage as a result of attempted theft or robbery; willful or unintended destruction of or damage to the property by third parties; fall on the insured property of piloted aircrafts, their parts or cargo transported by them.

WHAT SHOULD BE DONE?

In case of the onset of the insured loss:

	immediately take measures (if possible) for average elimination and reduction of the amount of loss: call in fire brigade, emergency crew, militia personnel etc.; immediately, as soon as it becomes known, but not later than 24 hours from this moment, notify the nearest branch of the "Oranta" Incorporated of the event.

Doing this, it is necessary to provide the following information:

	number and date of the insurance policy; exact date and time of the event; circumstances and causes of sustained losses; measures taken to reduce the amount of loss; condition of the damaged (destroyed) property; place of location of the insured property for the time being; last name and contact telephone number of the person that transmitted the information.

DOCUMENTS NECESSARY FOR INVESTIGATION OF THE INSURANCE CASE:

A claim for payment of insurance indemnity that must contain:

	exact date and time of the event; exact address; cause of the loss; approximate amount of the loss; actions of the insured aimed at reduction of the amount of loss; documents confirming the purchase of the damaged property or taking it on lease and its value. other documents confirming the fact and circumstances of the onset of the insured loss, the amount of losses etc. — upon request of the insured.

For owners of country-buildings the documents confirming valuable interests of the insured shall be:

	Certificate of the property right to land. Membership book of the horticultural society. Calculation of expenses on repair and renewal works. List of destroyed, damaged or lost property.

Documents issued by competent authorities confirming the fact of the event:

	in case of fire — a ruling on institution or refusal to institute criminal proceedings issued by a local fire prevention department. Fire Certificate and Fire Report shall not be sufficient documents for execution of insurance indemnity payment. in case of theft or other criminal actions of third parties — a militia certificate containing the list of the damaged/ stolen property.

With respect to any event that shows signs of corpus delicti (arson, burglary, robbery) the document must contain a note informing as to whether criminal proceedings have been instituted and giving reference to applicable articles of the Criminal Code. In case of refusal to institute criminal proceedings it is necessary to provide a certified copy of the corresponding ruling.

	in case of communication lines failure — a report under the signature of Chief Engineer and the seal of the Housing and Utilities Administration (Office) about the failure's cause and the party at fault; in case of natural disasters — a certificate issued by hydremeteorological service bodies (Emergency Situations Committee at the local administration); other documents confirming the fact and circumstances of the onset of the insured loss, the amount of losses etc. — upon request of the insured.

Repair or renewal works may be commenced only after it has been permitted by authorized representatives of the "Oranta" Incorporated (except for cases, when the delay may give rise to an increase in the amount of loss.)