• We cover the entire Philippines, from the northern-most tip of Batanes down to the southern end of Jolo.
• Our experience and expertise of more than 50 years has earned us a reputation for excellence based on professionalism, impartiality, and integrity.
• We offer prompt action, accurate appraisals, and expert handling of insurance claims.
• We offer a full range of services in FIRE & ITS ALLIED LINES, CASUALTY, and MARINE INSURANCE.
• Our adjusters, surveyors, and office staff are competent, well trained, and highly skilled.
• We have a long-standing commitment to quality, efficiency, third-party objectivity, and the highest standards of service.
• Our association with GAB ROBINS U.K. and former association with McLARENS, CABINET CERUTTI, LOWE & CERUTTI, INSURANCE CLAIMS INVESTIGATION SERVICE CO., LTD.,W.E. COX (RECOVERIES) LTD., SERI Experts and CEEMIS demands us to keep with the international standards of claims investigation and adjusting techniques and allows us to interact with the best minds in the industry.
• Our affiliations include: Member, International Institute Of Loss Adjusters, Inc. (IILA) Member, Association of Philippine Adjustment Companies (APAC) Member, Philippine Institute Of Loss Adjusters (PILA)
• We are listed in Best’s Directory of Recommended Insurance Adjusters & Attorneys, and in the Directory of the International Institute of Loss Adjusters, Inc.
Chartered Adjusters was founded in 1965 by Aristeo L. Lat, Sr. to handle the investigation, appraisal, inspection, adjustment, and specialized service needs of insurers. He envisioned that this company would adhere to only the highest standards of integrity, professionalism, and quality service. Over the past 50 years, Chartered Adjusters has built a national reputation for excellence based on professionalism and impartiality, with its dedication to honesty, integrity, and quality service. The company has accumulated a wealth of experience and expertise in handling various insurance claims, from casualty to marine, to property and liability claims, liaising with various specialists depending on the circumstances of each case. It has kept abreast with the latest claims investigation and adjustment techniques, as well as the latest technological advances through continuous training and education, and upgrading of management systems.
Since 1985, Chartered Adjusters, has liaised with the various loss adjusters abroad such as McLarens, Cabinet Cerutti SA, Lowe & Cerutti, Insurance Claims Investigation Service Co., Ltd. of Japan, W.E. Cox (Recoveries) Ltd, Seri Experts, and now GAB ROBINS. We also act as surveyors for CEEMIS and Lumley. These ongoing partnerships have enabled both Chartered Adjusters and its foreign associates to combine high technical and international standards with intimate knowledge of local Philippine conditions, allowing them to process claims more expediently and effectively.
Chartered Adjusters is a member of the Association of Philippine Adjustment Companies (APAC), International Institute of Loss Adjusters (IILA), Philippine Institute of Loss Adjusters (PILA). We are also listed in the BEST’s Recommended Insurance Adjusters.
Today, as it enters its 50 years of service, Chartered Adjusters reaffirm its commitment to integrity, professionalism, and service excellence. And with its ongoing partnership with foreign associates, it aims to continue providing comprehensive coverage on both local and international levels.
KEEPING UP WITH THE CHANGING TIMES
Over the years, Chartered Adjusters, Inc., has prided itself on its ability to keep up with the latest technological advances, claims handling techniques, and management systems, and to influence the trends in the adjustment industry.
Computerized since 1979, Chartered Adjusters, Inc., continues to upgrade its computer systems to facilitate speedy claims handling and reporting. Our e-mail account enables us to transmit messages and reports across the metropolis and across the globe with a single click of a button, while our Internet account gives us a wealth of information right at our fingertips.
Just recently, our web-based program for online claims filing and status verification went operational. The electronic claims management tool is seen to improve the efficiency in the way the company handles the assigned claims and more importantly, to cultivate a closer working relationship with the client/insurer.
Utilizing the functionality of the Internet, online claims filing and status verification is made not only easier, and faster but they can also be done right in the comfort of the user’s desk or office.
More than the honor of being the first among the adjustment companies in the Philippines to offer such services, the pioneering endeavor is Chartered Adjuster’s way of serving its valued clients better and helping the insurance industry.
TOTAL QUALITY MANAGEMENT (TQM)
Chartered Adjusters, Inc., believes that its business success depends first and foremost on the satisfaction of its clients. With the application of total quality management in all aspects of its operations, we are striving for maximum efficiency, productivity, and service excellence. But more importantly, our goal is this: fair and fast claims adjustment and settlement.
We have undertaken Risks Surveys and Hazard Survey Inspections for NAPOCOR power plants all over the Philippines. This undertaking is part of the NAPOCOR Loss Control Program for the year 1994. The Loss Control Programme was intended to be comprised of four (4) concurrent activities, namely: Risk Survey, Self Inspection, Hazard Survey, and Incident Reporting/Analysis.
We handled a big property damage claim with business interruption consequent of fire at the Wood Preparation Plant of PICOP in Bislig, Surigao del Sur.
In a separate instance, we also handled PICOP's claim on business interruption consequent upon Machinery Breakdown. This claim involved a Toshiba 20MW steam turbine generating set, part of the power-generating equipment of PICOP.
Over the past 50 years that our marine department has been in operation, we have gained invaluable experience and expertise in handling cargo surveys and marine claims. Our services have expanded to include the following:
(a) Superintendence Survey
(b) General Cargo Survey
(c) Liquid Bulk Cargo Survey
(d) Dry Bulk Cargo Survey
(e) Warehouse Survey
(f) Draft Survey
(g) Hull/Machinery Damage Survey
Our surveyors are competent, with more than 50 years experience in general cargo, bulk cargo, and marine hull surveys.
We are the nominated surveyors for Atlantis International Services and The People’s Insurance Company of China (PICC). We are also the exclusive correspondent of UK-based Wakefield Inspection Services in the Philippines. We regularly receive instructions from, among others, the Great American Insurance of New York.
During its early years of existence, Chartered Adjusters acquired a reputation for providing quality claims handling service with respect to motor car claims. Since then, the Chartered casualty portfolio has expanded to include among others the following types of claims:
(a) Robbery Claims
(b) Fidelity Guarantee Claims
(c) Personal Accident Claims
(d) Public Liability Claims
(e) Workmen's Compensation Claims
(f) Motor Car Theft Losses
(g) Motor Accident:
We have been regularly receiving assignments involving potentially fraudulent claims, wherein insurers and re-insurers ask us to conduct special, discreet background investigations into all aspects of the claim. On certain occasions, we have been instrumental in uncovering syndicates and alerting insurers to their existence.
PROTECTIVE SUPERVISION (GENERAL CARGO)
A. During Discharging Operations
B. Cargo/Consignment while stored at the Piers
C. Cargo Delivery/Withdrawal from the Piers
D. During Transshipment (if any)
E. Warehouse Survey
Issuance of Final Report
PROTECTIVE SUPERVISION ON SHIPSIDE DISCHARGE
DRY BULK SURVEY
LIQUID BULK SURVEY
LOADING SURVEY ON OUTGOING SHIPMENTS
HULL - MACHINERY DAMAGE SURVEY
THE PEOPLE BEHIND THIS GREAT COMPANY
Rodolfo A. Lat ABEco, Ll.B., MBA
Charter Member of Association of Philippine Adjustment Companies (APAC)
Atty. Rodolfo Lat obtained his bachelor's degree in Economics and his law degree at the Ateneo de Manila University and his MBA at the University of the Philippines. He has been with Chartered Adjusters, Inc. since 1972 and has been overseeing operations for the past 41years.
Atty. Lat took his adjustment training at the Insurance Adjustment School in Miami, Florida. He has also taken various insurance courses at the Philippine Insurance Institute (PII) and the Insurance Institute for Asia and the Pacific (IIAP). At present, he is a lecturer for the IIAP. As a lawyer, he specializes in insurance law. As an adjuster, his expertise lies in the fields of fire, casualty, and marine adjustment.
He now handles an extensive portfolio of fire and special perils, motor, marine, and liability losses. He has also investigated various arson and fraud cases which have led to the successful defense and denial of the claims. He is involved in contractor's all risks cases, conducting the necessary investigations, and coordinating the findings of consulting engineers. He also supervises the adjustment of loss of profit claims. Atty. Lat is responsible for the overall performance of Chartered Adjusters, Inc., including the maintenance of professional and ethical standards, staff training, liaison with regional personnel, and promotion of the company's services to insurers and reinsurers. He completed his Masters degree in Business Administration at the University of the Philippines.
Cristina Francisco Manumbas
Member, Philippine Institute of Certified Public Accountants (PICPA)
Cristy Francisco graduated cum laude from the Polytechnic University of the Philippines with a bachelor's degree in Commerce, major in Accounting. She is a licensed certified public accountant (CPA), as well as a licensed adjuster for fire and allied line.
She has completed training institute programs on loss adjustment, business interruption, machinery breakdown and business interruption, and fire surveying and loss control. She has handled various claims involving BBB policy and Fidelity Guarantee, as well as fire losses involving business interruption, and risk surveying.
FIRE AND PROPERTY CLAIMS DEPARTMENT
Marina E. Sevilla
Civil Engineer / Property Adjuster
Engr. Marina E. Sevilla graduated from the Technological Institute of the Philippines with a degree in Civil Engineering. She first joined Chartered Adjusters, Inc. in 1987. However, after getting married in November 1989, she resigned. In 1998, she joined Chartered Adjusters again as property loss adjuster.
She has completed training institute programs on loss adjustment, machinery breakdown and business interruption, CAR and EAR, fire surveying, and analysis of fire policy conditions. Given her civil engineering training, her expertise lies in the fields of adjustment of building, CAR and engineering losses.
Gerry L. Bergonia
Eng’r. Gerry L. Bergonia graduated from the Gregorio Araneta University Foundation (GAUF). He joined Chartered Adjusters, Inc. in the year 2004.
He has completed training in basic non-life insurance course at the IIAP. In 1986, after he graduated from college, he worked as a checker at the Marine Division of SGS Far East Ltd. In 1987, he joined Universal Textile Company (UTEX) until it close in 1996. He worked as a chiller and boiler supervisor.
Atty. Rodolfo A. Lat
Raul Milan has been with Chartered Adjusters as a cargo surveyor for the past 29 years and has acquired extensive experience in the fields of cargo supervision and warehouse survey.
He was recently promoted to the position of Operations Manager.
President and General Manager
Certified Public Accountant (CPA)/Asst. General Manager
Civil Engineer /Property Adjuster