Practice question
An insured reveals that a warehouse has a basement workshop. The communication distinctly implies a further material fact about that workshop, but the insurer neglects to inquire about it. Separately, the insurer expressly waives communication of a different fact. Explain the two Section33 routes to waiver and their limits.
Legal references
- Insurance Code as amended RA10607: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html Sections28–30 and32–35.
- Intestate Heirs of Monera v. Manila Bankers Life, GR246446, January28 2026, Dimaampao MAIN decision: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/18/70461 MAIN ruling on short-term group life policies, discussion following Section234(b).
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