Storm and Tempest Claim under Fire Insurance?

Storm and Tempest Claim under Fire Insurance?What a title? Weird or insanity? It is the misperception for most of the public at large. Some of the general insurance agents often mislead the insured.

” No such thing” ” Nonsense” I often hear this when I give training to those general insurance agents.

” Nonsense” I often hear this when I give training to those general insurance agents.

To matter the worst, one veteran agent said” It is an act of God, no claim” Oh…oh

I was at sixth and seven could not believe what I heard.

If the agents are not aware such clause, it will advise their insured wrongly.

What are Storm and Tempest?

 A storm is defined as a violent atmospheric disturbance that produces severe winds, accompanied by rain, snow or hail or by thunder and lightning.

A tempest is an exceptionally severe storm.

What does it cover?

The insured is allowed to claim for damages that occur as a result of a severe weather event. It may include damage to the building structure. Or items within the building damaged by the storm (for example office equipment damaged by rain water after the collapsed roofing.

The policy excludes damage caused by a fire because any fire that broke out as a direct result of a storm would be covered under a fire policy.

It does not cover the consequential losses incurred as a result of any interruption caused to your business unless you take up business interruption cover.

What having Storm and Tempest cover means to you?

Your property is protected against the potentially very costly repairs due to storm and tempest.

The Average Clause

It is a penalty to the insured.
Let say, you claim is amounting to RM10,00o.00 for the building.
Your sum insured was RM100,000.00.  1% of RM100,000.00 would be RM1,000.00
Thus your claim would be RM10,000-RM200 =  RM 9,800.00
But if the actual sum insured of a building was RM200,000.00. You insured for RM100,000.00 which was under the insurance of 50%. The average shall apply in this scenario.
Thus the claim would be RM10,000.00 x50% – RM200.00 = TM4,800.00. The difference of RM5,000.00 being you act an own insurer.

“Average ” is an insurance term for the penalty for under insurance.  Some clients want to save some premium. Insured advises the agent put insuring a lesser amount.

A fierce storm hit Kluang on  2 June 2015 at 6.30pm.

One of the low-cost house. the storm blew off the whole roofing and wiring system.  The water wet the whole wiring system. The insurer paid the RM3,000.00 for the root top and RM5,000.00 for the wet wiring system respectively.
Another double terrace house, the tempest ripped part of the hall roofing and damaged the amplifier system. The insured satisfied with the claim of RM3,000.00 for the roofing.  But No payment for the amplifier.  On checking the policy, the insured only inserted furniture and fitting, plant and machinery instead of electrical appliances.

It is always advisable to include the storm and tempest endorsement for both the fire policy on building another for the content.

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Storm and Tempest Claim under Fire Insurance? 1
Storm and Tempest Claim under Fire Insurance? 2Storm and Tempest Claim under Fire Insurance? 3

Enough Sleep to Avoid the Car Accident in Malaysia

Getting eight hours of sleep each night is a luxury for all of us. By having enough sleep to avoid the car accident in Malaysia

A total of 18 people died daily in road accidents nationwide 2015 in Malaysia. It is an alarm to note the  number of road accidents last year has also increased.

In 2014, there were 476,196 road accidents, while  in 2015,  489,606 accidents were reported – a spike by 2.74 per cent. The total number of accidents included 6,706 fatalities in 2015, as compared to 6,674 fatalities in 2014.

Malaysians are taking lightly the importance of sleep. Driving  from 2am to 4am, during that time, our body is preparing to sleep. Driving is going against it. The cognition and response are slower and wakefulness will not last as long as usual. Driving in the wee hours in the morning can lead to road accident especially the long distance express buses. Banned this practice.

30% of  the Malaysian bus drivers were found to have sleep disorders A test carried amongst 300 Malaysian bus drivers by the Road Safety Department and the Sleep Disorder Society Malaysia.

Tests have shown that people who sleep six hours instead of seven or eight  have poorer performance in mental alertness.

In view of the importance of sleep to health, the respective authorities should

–Ban wee-hour trips by express buses
— The Ministry of Health should have creates the campaign the awareness on sleep.

How much sleep is ‘enough’?

What are the effects of insufficient sleep? How are our bodies affected?

The following article sheds some light on the unpleasant, and sometimes dangerous, repercussions of not getting enough sleep each night.

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1. Sleepiness Causes Accidents

Sleep is a biological requirement that cannot be overcome with willpower, determination or training. A neuroscientist Prof Russell Foster, from the University of Oxford, said that a lack of sleep damages long-term health. It results in impaired brain skills similar to those observed under the influence of alcohol.

An adult with less five hours sleep has adverse effects. The effects are similar who drinks alcohol.  It includes general impairment of vision and coordination.

The distracted  driver on his morning commute, along with accidental microsleeps that entail dropping off when at the wheel. Besides,  causing road accidents, it may also damage the quality of crucial decisions made at work.

2. Sleep Loss Impairs Your Normal Thought Process

Sleep plays a critical role in the thinking and learning processes. Lack of sleep affects these cognitive abilities in several ways.

Firstly, it impairs attention, alertness, concentration, reasoning, and problem solving. This side effect reduced your learning and absorbing information efficiently.

Secondly, throughout the night, various sleep cycles play a key role in ‘consolidating’ memories. Insufficient sleep,  the information you have gathered throughout the day is not effectively stored in your short-term and long-term memory banks.  Resulting in memory gaps and a decline in cognitive ability and recollection.

3. Your Mood Could Swing All over the Place.

Besides,the impairing the ability to learn and process information.  The  decreased sleep also leads to “depression and anxiety in the long term,” advises Dianne Augelli, M.D., a sleep expert at New York Presbyterian Hospital and Weill Cornell Medicine in New York City.

The short-term effects of sleep deprivation, offer a false impression of an improvement in mood. Augelli counsels that the short-term elevation in mood “may be because certain neurotransmitters and hormones are released to keep you awake”.

She cautions that the borderline-euphoric feelings will not last and that they are to be regarded as early warning markers of damage caused by insufficient sleep.

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4. Your Blood Pressure Goes Up

In a landmark study of human sleep deprivation, University of Chicago researchers followed a group of student volunteers who slept only four hours nightly for six consecutive days.

The volunteers developed higher blood pressure and higher levels of cortisol, a stress hormone. To make the matter worst , volunteers also produced only half the usual number of antibodies to a flu vaccine. Some sleep-deprived students also showed signs of insulin resistance — a condition widely regarded as a precursor of type 2 diabetes and metabolic slowdown.

The changes were reversed when the student volunteers made up the hours of sleep they had lost. The Chicago study helps to explain why chronic sleep debt raises the risk of obesity, heart disease, stroke, and diabetes.

5. Your Skin Gets Stressed out, Too.

The aforementioned stress hormone, cortisol, is also responsible for moderating skin health and appearance.

Cortisol levels naturally decrease during sleep, says Joshua Zeichner, the director of  a cosmetic and clinical research in Dermatology at Mount Sinai Hospital in New York City. Low levels of cortisol allow skin to regenerate and protect itself. Lack of sleep, the cortisol levels stay high and skin is not allowed to perform its natural reparative tasks.

Higher cortisol levels,  also, increases the skin’s oil production capabilities, leaving you with a greasy appearance. Your face prone to a pimple break-out.

The above 5 are the side-effects of not getting enough sleep each night. Now that you’re sufficiently motivated to get the amount of sleep your body requires, increase your ‘ROI’ by finding out which positions would work best for you!

Your Sleep Needs Change Over the Years

How much sleep you need to stay healthy, alert, and active? It depends on your age and varies from person to person. Most adults need at least seven or more hours of sleep each night.

The National Sleep Foundation and a panel of 18 experts combed through more than 300 studies to identify the ideal amount of time a person needs to sleep according to their age:

  • Newborns (0 to 3 months): 14 to 17 hours of sleep
  • Infants (4 to 11 months): 12 to 15 hours of sleep
  • Toddlers (1 to 2 years): 11 to 14 hours of sleep
  • Preschoolers (3 to 5 years): 10 to 13 hours of sleep
  • School-aged children (6 to 13 years): 9 to 11 hours of sleep
  • Teenagers (14 to 17 years): 8 to 10 hours of sleep
  • Young adults (18 to 25 years): 7 to 9 hours of sleep
  • Adults (26 to 64 years): 7 to 9 hours of sleep
  • Older adults (65 years or older): 7 to 8 hours of sleep






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Tips for Filing Fire Insurance Claims

Tips for Filing Fire Insurance Claims.

As fires become an increasingly prevalent threat, especially during the hot season.  The insurer tries to deny liability in any way to cut down their fire loss ratio in the underwriting portfolio.  Insured need to familiar on how to make a fire claim.  Losing your home and personal belongings to a fire is already a devastating experience. Nobody wants a hard time dealing with the insurer on the claim. Here are some tips to follow when dealing with fire insurer on you claims

1. Ask for an advance against your ultimate fire insurance claim If you were forced to evacuate due to the dangerous conditions. Just grabbed your important  documents and some clothing. Don’t panic. Call your insurer for some advanced of money. You can purchase the  necessities without having to wait for the final settlement. Take care of your needs, but be sure to not go overboard. Be practical with what you buy, because the insurer can refuse to reimburse you for frivolous things. For example, if you need a pair of slacks and a dress shirt to work. This advance will be deducted from the final settlement. Don’t worry, No Interest will be charged for this advanced.

2. Make a list of everything you’ve lost and do not throw anything away.  Do it immediately as it is still fresh in your memory. The fire adjuster needs to see the fire damaged article even though it burnt to ash.  It is a proof to claim from the insurer. You are denying your own right to claim by discard away the damaged item.

3. File your claim right away, it is the duty of the insured either by inform the agent or insurer. Call the insurer to send the adjuster ASAP to assess the loss. The insurer requires you to submit a “proof of loss claim”. This is the form includes all of the items you lost, including their value. Your prompt action is especially important if there were many other homeowners affected by the fire.

The following is a list of information to include in your claim.

1. Date of loss.

2. Type of loss or damage.

3. Location of damage.

4. Any related injuries.

5. Others involved.

6.The condition of the home.

7. Description of damaged contents.

8. Whether or not temporarily repairs are necessary.

9. An original police report.

Dealing with the claim is a very convoluted process involving countless calls, emails, letters, and documents. Be sure to keep track of all communication and keep a copy of all documents and post office receipts of mailing. It plays safe to ask the insurer give back the acknowledged back copy for all the documents tender to them. This is to avoid the future dispute of not receiving the required documents.

4. Secure your property to mitigate damage The insurer requires you to take reasonable care of your property. Therefore, be sure that you secure your property from further damage. It is unnecessary for a total loss. However, where only one section of your home is damaged, be sure to take proactive measures in preventing further damage. The mitigating loss means reducing the amount of damage. Ways to mitigate loss  include

• Covering holes in the walls and roof to protect from “full theft”

• Boarding up or building a fence to prevent looters •

• Smoldering all embers.

• Moving property that is at risk of further damage (for example, moving the unharmed television out from underneath the hole in the ceiling).

5. Keep track of your living expenses. Your fire policy includes a clause called “loss of use,”   It means that the insurer reimburses you for your living expenses while displaced from your damaged home. Note, however, that you are only entitled to the difference between what it costs you while displaced and what it was costing you in your home. For example, if your monthly living expenses are $4,000 per month, but now you are having to add hotel stays, restaurant meals, laundry expenses, and extra petrol for your car, totaling an additional $1,000, your insurer company will only reimburse you the extra $1,000 per month. If you to stay with family members or friends instead of at a hotel. Sometimes, the insurance company will reimburse your host for the additional costs of your stay. Ask your host to itemize the additional costs. Take extra care to be reasonable and not frivolous, and be patient with your insurer should they want to negotiate with you for this cost. Politely remind the company that you are saving them a great amount of money in hotel and restaurant expenses by staying with loved ones.

6. Get the right repair estimates and keep receipts and documentation to everything. Filing fire insurance claims enables you to repair or even rebuild your damaged home. The reinstatement cost is  “Actual cash value” policies entitled you to the amount it would take to return your home, including its contents, to its before fire fair market value. “Replacement” policies entitled you to the amount it would take to replace the home and its contents, regardless of the value of what you lost. “Replacement” coverage does not require you to actually rebuild your home on the exact same lot. You can choose where you want to rebuild. So, long as it is the same value as your old lot, your insurance covers it. Of course, if you move to where the house more expensive, you will end up paying the difference. If you decide not to rebuild, but to invest the money in something completely unrelated, like a business or college fund, the “replacement” policy will become an “actual cash value” policy, providing you with about 15% less. The insurer requires an estimate of the fair market value or cost of replacement of damaged property before the fire. The insurer has in-house adjuster works in favor of the insurer. It is best to engage a reputable independent adjuster to deal with your insurer to determine the final sum of the claim.

7. It is a great mistake not continue paying your premium even though you filed a fire claim. The house owners’ policy including liability protection for your home, including pets.  The Animal also suffering stress too. Your beloved might chew your expensive bed. You can claim for the damaged bed too.If you stop paying the premium, sorry to say, there will be no claim for you.   Please bear mind to inform your new address to your insurer or agent.  Request to reduce the premium for vacant risk. Adjust this after your new home is built.

8. You might overlook in the initial claim. You can resubmit those omitted items to the insurer.  It is a common occurrence when there a mass destruction. In such a stressful and confusing time, it is likely that you may forget to list an item of value in your initial insurance claim. Give yourself some time. Protect yourself by waiting a few months before consenting to close your claim. It is your right not to close the claim so soon by sending them a letter thanking them for the payment, but asserting that you do not consider the claim closed.

9. If you are unable to reach an acceptable settlement after engaged your own independent estimator or contractor, consider hiring a public adjuster. Their role is to negotiate with the insurer on your behalf. The cost is worth it when hiring the public adjuster to help you to get a better compensation.

10. Don’t worry about losing your insurance coverage.  You would not be blacklisted,  unlike the car “habitual claimant” This is not the case. As long as you file your genuine claim with no element of fraud, the insurer will not penalize letting you in renewing your policy with them.  For more information, the following websites are extremely helpful to victims who need immediate help and answers



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Jamin Wong


Will Travel Insurance Cover Earthquakes?

With the rising travel awareness, people fly more frequent than in the past. Will Travel Insurance Cover Earthquakes? The insured often asked the agent.  How to claim ?

Earthquake Zone
Earthquake Zone

>The insured should understand the coverage and benefits of their policy before buying an earthquake travel insurance. Besides, emergency medical and medical evacuation benefits, a lot of policies also have 24-hour emergency assistance.

Will Travel Insurance Cover Earthquakes?

If there are travel warnings and yet the insured ignore it and go ahead for the travel plan as scheduled.  The insurer can deny the liability.

 Is It Safe To Travel To Destinations Where Earthquakes Occur?

Major earthquakes occur only a few times a year. It is unlikely to occur during your short day visit. Additionally, it is easier to predict when and where an earthquake is likely to occur with the modern sophisticated technology.

 When You’re Not Covered

  • Travel against warnings: If you intentionally put yourself in danger and travel to a country or region against governmental travel advice. You act as an own insurer. No cover for you for anything that related to travel warning.  For instance, if you traveled to Turkey which is against terrorism warnings.  There is no cover for you.
  • Known events: Once an event is broadcast in the mass media (i.e. big tremors have begun, a snow storm is forecasted or a volcano has erupted).  You wouldn’t be eligible to buy a cover. Insurers will set cut-off dates, for instances, travelers affected by the Nepal earthquake who had purchased cover prior to April 25, 2015,  were eligible to claim. After the 25th, you could not get any cover for the Nepal earthquake event.
  • Insufficient cover: Remember that Basic (or medical only) policies would cover for any medical claims in regards to earthquakes, but would not cover travel delays, lost luggage or trip cancellation as a result of an earthquake.
  • Claim for any reason: There would be no cover if your existing travel plans were not directly affected by the earthquake or if you just had a change about your trip.
  • Accommodation cover: Hotel becomes uninhabitable due to earthquake damage, you can make a claim. You can not make a claim for any hotel, not meeting your expectations. for e.g instead of 5 stars hotel, you are given a 4 stars hotel.

When You Are Covered

When you bought your policy, the earthquake is not a known event, you can claim for

  • Cancellation (before you’ve left): Before departure,  You can claim the benefits when you are forced to cancel the trip.l Also, the full refund of premium if the policy was purchased prior to the cancellation).

Cancellation (when already abroad): Within the earthquake zone you can claim for the transportation cost from an uninhabitable hotel to a new hotel.Flight cancellation, you can claim for any additional flight costs.

Medical costs: The insurer pays for your injury medical expenses.  Earthquake is the directly caused.

Emergency medical evacuation and repatriation: When there is no local treatment available and you need to evacuate to the nearest medical hospital, the insurer pays all the costs including repatriation in the event of your death.

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Will Travel Insurance Cover Earthquakes? 6
Will Travel Insurance Cover Earthquakes? 7Will Travel Insurance Cover Earthquakes? 8

Natural Disasters Claim Tips:

Natural Disasters Claim Tips:

  • Get it down on paper: Flight cancellation or delayed , you need a written from your airline.
  • Contact your insurer: Check with your insurer for any additional cost for n flight and accommodations.

Keep receipts: You need to keep your original receipts , boarding passes, and credit card statements to claim from your insurer.

  • What Should I Do In An Earthquake?

    The devastating earthquake in Nepal killed and displaced thousands of people. Whilst a huge tremor this size is said to occur only once every hundred years. The catastrophic consequence was due to Nepal’s poorly built infrastructure. Prevention is better than cure, it is unlikely to get caught in an earthquake on holidays. With popular tourist destinations such as Japan, Nepal, and Indonesia all bearing the brunt of sizable earthquakes, it’s important to have the facts and understand all the necessary safety procedures.

Firstly, if you’re travelling to an earthquake-prone region you should buy travel insurance . You need to understand the fine print .  Knowing the emergency phone numbers procedures for the region and keep your passport and photo ID secured with you at all times. It is wise to have a backup plan while living oversea in an earthquake zone area.

Earthquake survival tips:  It is worth to understanding the local safety codes. For instance, with modern infrastructure countries , such as Japan, the best place to hide is under a table in the middle of a room.  On the other hand, in countries like Nepal with structurally unsound buildings, the rule of thumb is to evacuate immediately. Brushing up on the area’s safety procedures can make all the difference when it comes to your security.

Depending on the state of the  disaster area ,it is best to return  home immediately. Safe but stranded due to  cancelled flights and damaged infrastructure, you may incur significant accommodation and travel costs. The insurer will reimburse you  by travel insurance,It ’s advisable to keep any additional expenses to a reasonable minimum and retain your original receipts.

Even if you are a seasoned a traveller, an unpredictable event such as an earthquake can turn your holiday into a nightmare. Don’t forget to purchase a travel insurance and understanding any significant exclusions.  It is the first step in managing a natural disaster.

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Please share it out with your friend or family member. Sharing is joy doubles. I welcome any suggestion and comment or be a subscriber to my mailing list.

Email me at [email protected].

Jamin Wong