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CedarTech Manufacturing, Inc. owns a warehouse in Cebu insured under a property policy issued by GuardianSure Insurance Co. A cyclone damages the building and inventory on April 1. CedarTech files notice of loss with GuardianSure on April 8 and, after months of disarray caused by the disaster, submits a sworn proof of loss on June 15. GuardianSure denies the claim on the ground that notice of loss and the sworn proof of loss were not timely given. CedarTech maintains that the delay in filing the sworn proof of loss was excusable due to the disaster and the disruption of communications, and that GuardianSure had actual knowledge of the loss and initiated adjustment actions shortly after the event.   (a)Identify the controlling rule on Notice and Proof of Loss under PD 612, as amended by RA 10607. (b)Apply that rule to the facts to determine whether GuardianSure is precluded from paying the claim. (c)Discuss whether any equitable defenses such as waiver or estoppel could apply and under what circumstances.