G.R. No. 130421, 28 November 1999, 309 SCRA 250 FACTS: Chua obtained from American Home a fire insurance covering the stock-in-trade of his business. The insurance was due to expire on March 25, 1990. On April 5, 1990, Chua issued a check for P2,983.50 to American Home’s agent, James Uy, as payment for the renewal [...]

G.R. No. 137172, 4 April 2001, 356 SCRA 307 FACTS: On April 15, 1991, petitioner issued five (5) insurance policies covering respondent’s various property described therein against fire, for the period from May 22, 1991 to May 22, 1992. In March 1992, petitioner evaluated the policies and decided not to renew them upon expiration of [...]

G.R. No. 119655, 24 May 1996, 257 SCRA 126 FACTS: On 22 January 1987 private respondent Fortune Life and General Insurance Co., Inc. (FORTUNE) issued Fire Insurance Policy in favor of Violeta R. Tibay and/or Nicolas Roraldo on their two-storey residential building located Makati City, together with all their personal effects therein. The insurance was [...]

G.R. No. 102253, 2 June 1995, 244 SCRA 744 FACTS: On January 16, 1984, plaintiff, Valenzuela Hardwood and Industrial Supply, Inc. entered into an agreement with the defendant Seven Brothers whereby the latter undertook to load on board its vessel M/V Seven Ambassador the former's lauan round logs numbering 940 at the port of Maconacon, [...]

G.R.No.95546, 6 November 1992, 215 SCRA 462 FACTS: In 1982, private respondent American Home Assurance Co. (AHAC), represented by American International Underwriters (Phils.), Inc., issued in favor of petitioner Makati Tuscany Condominium Corporation (TUSCANY) Insurance Policy on the latter's building and premises, for a period beginning 1 March 1982 and ending 1 March 1983. The [...]

G.R. No. L-67835, 12 October 1987, 154 SCRA 672 FACTS: June 7, 1981: Malayan insurance co., inc. (MICO) issued to Coronacion Pinca, Fire Insurance Policy for her property effective July 22, 1981, until July 22, 1982. On October 15,1981, MICO allegedly cancelled the policy for non-payment, of the premium and sent the corresponding notice to [...]

G.R. No. 103883, 14 November 1996, 264 SCRA 137 FACTS: Marcelino Gabriel was employed by Emerald Construction & Development Corporation (Emerald Construction for brevity) at its construction project in Iraq. He was covered by a personal accident insurance in the amount of P100,000.00 under a group policy procured from Fortune Insurance and Surety Company (Fortune [...]

G.R. No. 89741, 13 March 1991, 195 SCRA 139 FACTS: Tan took from Sun Insurance a Php 300,000 policy to cover his electrical store in Iloilo city. Tan’s request for an indemnity in 1983 was repeatedly denied, firstly in 1984. He wrote for a reconsideration in the same year. This was rejected in 1985, prompting [...]

GR. No. L-71360, 16 July 1986, 143 SCRA 62 FACTS: Philippine Union Realty Development Corp. (PURDC) insured its building against fire with Development Insurance Corp. (DIC). The policy contained the following provision: “This is an open policy as defined in Section 57 of the Insurance Act. In the event of loss, whether total or partial, [...]

G.R. No. 48049, 29 June 1989, 174 SCRA 403 FACTS: In September 1973, Tan Lee Siong applied for a life insurance under the Philippine American Life Insurance Company (PHILAMLIFE). He stated in the application form that he has no health issues whatsoever and so in November 1973 he was issued a life insurance policy in [...]