Procedure in brief
Refer to
• The settlement department contacts the Insured party within 4 hours, and verifies the completeness of the information provided; any missing data are reported to the Insurance Company • Appointment of the technician responsible for the area and according to the type of damaged good (white, brown, grey, engineering, technological claims) within 4 hours • The technician contacts the Insured party within 24 hours following the assignment • The visit on site is carried out within 5 working days, depending on the Insured’s availability • The technical report is sent to the settlement department within 6 working days from the visit on site • Preparation of the Final Report and forwarding of the proof of loss or of the proof of loss on a precautionary basis within a maximum time length of 20 days
Giovanna Lercari Ph. +39 010 5446512 Fax +39 010 5446497 Mob. +39 347 5629720 gvlercari@sanfilipposrl.it
The Insurance Companies that have availed themselves of the services of San Filippo have recorded: • Increase in rejections compared to the national datum (2013)= 10% • Decrease in the average amount paid • Increase in the speed of settlement of claims of more than 10 points
Head Office 16121 Genova Via Malta, 5/3 Ph. +39 010 8987900 Fax +39 010 8987891 info@sanfilipposrl.it
Handling of Electrical phenomenon claims
Why San Filippo
What we do
San Filippo S.r.l. was born in Genoa in May 2008 and takes its name from one of the masterpieces of Genoese Baroque, the Church of San Filippo Neri which, with the adjacent oratory and convent, is one of the largest religious complexes in the historic centre of Genoa. Its construction is due to the citizen Camillo Pallavicini, a member of the noble and ancient Genoese family whose origins are coeval with those of Lercari’s family.
San Filippo S.r.l. is a company specialized in the “turnkey” management of electrical phenomenon claims, or, more precisely, the timely check, assessment and potential settlement of the damages caused by the electric action of lightning, by short circuit, by the change of current or voltage and by other phenomena of electrical nature due to accidental causes. This is an optional guarantee that can be taken out against payment of an additional premium in fire and Electronics policies, covering the damages of deterioration which as a result of discharges or of other events, may occur in systems of machinery, equipment, circuits, and the like. The check of the causes which, for example, can be due to: 1) short circuit, due to accidental contact at low impedance between two parts of system normally operating at different potential; 2) current variation, for deviation of the intensity level of electric current from the nominal values expected for the proper operation of the systems; 3) sudden rise in the values of the power supply voltage (overvoltage) compared to the nominal values expected for the proper operation of the systems or feed-in of unidirectional voltage impulses in the supply mains due to atmospheric events; 4) voltaic arc (accidental electric discharge between two parts of the system supported by the voltage of the power supply network), is carried out on the spot, where the good has been affected by the loss, through a network of technicians located all over the Italian territory. Particular care has been taken in the selection of the technicians who make up the network and constitute a distinguishing factor.
Why choose San Filippo? Given the extreme diversity of the causes and of the types of goods that may be affected by the electrical phenomenon event, and the need for each item to be “inspected” by competent professionals in the field, San Filippo has a staff divided into four main areas: white, brown, electrical and information science. The settlement of the damages is made centrally by a team of professionals with a specific know how to guarantee impartiality and fairness.
Best practice Lightning are one of the most common causes of failure for power lines of medium and low voltage, and are among the major risks for human and industrial activities, and for social life. San Filippo, in collaboration with CESI (Centro Elettrotecnico Sperimentale Italiano - Italian Electrotechnical Experimental Centre) uses a lightning detection system, which is based on a network of lightning sensors (SIRF) at national level, for the real-time detection and localization of discharges of lightning developed between clouds and ground, with an accuracy of a few tens of meters. This system, in addition to the processing of evolutionary statistics of the phenomenon according to the geographical area, allows an accurate assessment of the occurrence as well as of the circumstances reported in the notification of loss as cause of the damage. LIGHNING FALL - LOMBARDIA REGION 2012 vs. 2013 PROVINCE OF MILAN 2013 2012
JAN 1 0
FEB 2 0
MAR 9 1
APR MAY JUNE 43 201 84 121 182 288
JULY 498 192
AUG SEPT 595 46 111 121
OCT 52 5
NOV 1 1
DEC 0 1
AUG SEPT 369 77 494 85
OCT 189 21
NOV 2 1
DEC 0 0
OCT 8 13
NOV 1 0
DEC 0 0
OCT 125 4
NOV 34 0
DEC 0 1
PROVINCE OF VARESE 2013 2012
JAN 0 0
FEB 0 0
MAR 19 4
APR MAY JUNE 57 189 79 85 58 132
JULY 376 554
PROVINCE OF MONZA AND BRIANZA 2013 2012
JAN 0 0
FEB 0 0
MAR 1 1
APR MAY JUNE 25 100 53 61 12 87
JULY 124 34
AUG SEPT 157 27 16 30
2013 2012
JAN 0 0
FEB 0 0
MAR 0 1
APR MAY JUNE JULY AUG SEPT 234 90 425 1062 461 63 23 52 358 1536 1036 286
PROVINCE OF SONDRIO
Mission
Advantages for the Insurance Company
San Filippo was created in order to meet the need of the Insurance Market in a cutting-edge way, and to optimize the settlement of claims arising from electrical phenomenon. The service offered by San Filppo allows the Insurance Companies to get free of the ordinary handling of such particular type of claims, while maintaining close monitoring thanks to the know how and to the database specially realized by San Filippo. The result is a fast, fair, impartial and professional assessment and settlement of the claim. San Filippo is able to develop customised projects on specific pilot areas.
• Extension to all Electric Phenomenon claims of CESI certifications (SIRF system of lightning detection) with legal value, for the check of weather events in conjunction with the loss reported. • “Turnkey” claims handling, from assignment to payment of the compensation of the damage • Skilled technicians in the electrical and electronic sectors, divided up according to geographical area and number of residents, in order to produce best estimates of the damages consistent with the actual and local prices of the market, and accurate identification of the nature of the damage • The decrease in costs of the average paid amount is more than 10% • Increase in the speed of settlement up to 86% on the current available data
Advantages for the Insured Party • Competence, professionalism and availability • Streamlined operational process allowing the Insured party to interface solely with the operational headquarters to settle its claim • Comparison with the real list prices enabling the insured to appreciate the fairness of the indemnity, assessed by professionals of the trade • Technical assessment of the damaged goods • Decrease in the time required to carry out the visit on site • Decrease in the time required to draw up the technical report • Decrease in the time required to close the file