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This is to certify that your paper entitled «Damage assessment process and its impact on insurance payments» was indexed with 13 pages, in the CIVILICA citation database, code COI:ICMBE01_040, after evaluation and approval of the referees of the "1St International conference on new horizons in management,business, economics and humanities 2025.

While offering our congratulations on the indexation of your paper, please be informed that this certificate is prepared based on the information submitted by the secretariat of the above conference and the information contained in the CIVILICA database, and the accuracy of its content can be inquired at any time through link provided at the bottom of the page or scanning the code image.