The challenges faced by clients and insurers in claims repayment, following a catastrophic event such as Super Typhoon Haiyan, are not to be underestimated. One can imagine the difficulty that clients have to even provide the most basic documentation to insurers whilst they are left without a home, water, food and electricity. Further, damage to infrastructure and communication channels often mean that it is difficult for clients to get information to the insurers, and for insurers to reach their clients, says the Microinsurance Network.