PD 612 (The Insurance Code) Section 92

Section 92

SEC. 92. If the policy required, by way of preliminary proof of loss, the certificate or testimony of a-person other than the insured, it is sufficient for the insured to use reasonable diligence to procure it, and in case of the refusal of such person to give it, then to furnish reasonable evidence to the insurer that such refusal was not induced by any just grounds of disbelief in the facts necessary to be certified or testified.