Typhoon Ondoy taught us that even residential areas in Metro Manila that we thought were flood-proof can get devastated by floodwaters given a large amount of rain. For this reason, you need to make sure that your home insurance policy covers “Acts of God” or “Acts of Nature”, which means that they are liable for natural phenomena like floods, lightning strikes, earthquakes, and other freak natural occurrences that can’t be prevented. In the event that your home gets damaged by a flood or similar nature, you can get your insurance provider to compensate for the repairs.

During disaster-free years, you might get the impression that paying for home insurance and the additional costs of the Acts of God clause are a waste of money. After all, the very nature of the Acts of God clause is that these natural disasters are unpredictable and unexpected. You may not think of your street as flood-prone, but you never know. It’s best to stay protected and stay covered because you may regret being under-insured in the future.

So the next time you speak with your insurance provider, make sure it is clear what situations are considered to be an “Act of God.” Ask them to be very clear about what specific natural disasters are covered by your insurer so that you can have the peace of mind knowing that all will not be lost during freak occurrences.

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Condo living with the space you can only get in detached homes or bungalows is now possible with Ayala Land’s unique condominium development. Serendra has the perfect balance between nature, modern urban living, safety and convenience.  The medium-rise condominiums have modern Mediterranean-inspired architecture, making you feel as though you’re living in a resort island even though the condo is located in the heart of the city, amidst a bustling commercial center.  Amenities include a fitness center/gym, an exclusive spa, swimming pools, badminton and basketball courts, function rooms, and a playground for children.

The following units are still available (some include a balcony in the living room or bedroom):

1BR unit: 67-73 sqm P6M – P8.2M
2BR unit: 102-143 sqm P11M – P15M
3BR unit: 146-252 sqm P15.6M – P20M