8 tips for claiming fallen trees damage to your property

8 tips for claiming fallen trees damage to your property

Can we claim tree damage to our property?

The heavy storm stroke the Selangor in December 2021, causing many trees to tumble on houses and cars. The owner of such property was at sixes and seven, not knowing what to do next. While some may choose not to submit a claim, there are many procedures you must complete for compensation from your insurer. This post will explain how to file a claim for fallen tree damage to your property.

A tree falls on your house or another insured property. Like a detached garage, your basic homeowner’s policy covers the building and the contents.

8 tips for claiming fallen trees damage to your property

 Do you have photos?

8 tips for claiming fallen trees damage to your property
8 tips for claiming fallen trees damage to your property

Claiming for tree damage isn’t always easy, especially if you don’t have images of the damage. Before filing any compensation claim because of a fallen tree, ensure you have pictures of your vehicle and any property damage. Recording video or audio of a storm or other natural disaster can aid in rare circumstances. Having suitable proof can help you negotiate with insurance companies and other parties engaged in these types of claims.

Contact your insurer right away.

First, inform your insurer about the damage. After that, they’ll send a claims adjuster to look over your automobile and belongings. They’ll usually tell you to photograph everything. For injuries that require immediate care, or if your claim is not for car-related damages, you may need prompt medical attention. Call 911 immediately; waiting could cause costly medical bills later.

8 tips for claiming fallen trees damage to your property

Prove it was due to weather

8 tips for claiming fallen trees damage to your property 1

We all know that the weather can be unpredictable. But can you sue if a tree fell on your land, damaging your car or home? Yes! How to do it: First, clear the debris and make sure it’s not on fire. Inspect your house, car, and driveway for cracks and dents. Get a repair quote from a contractor. Call your insurer to report on the incident now that you have everything. Please keep copies of everything in case they dispute your claim.

Get good legal advice.

Get legal guidance while a fallen tree can damage your car and property. If your insurer denies liability, you have options, but they are risky. It would help if you had legal help to file a claim for fallen tree damage with your insurer or whoever handles cleanup. Consult a lawyer about the costs, success rates, and potential compensation. Then decide what you want to do next.

8 tips for claiming fallen trees damage to your property

What if I don’t want to?

8 tips for claiming fallen trees damage to your property
8 tips for claiming fallen trees damage to your property

It may seem pointless, but you can’t claim unless you try. You can find information on filing a claim for fallen tree damage on insurance company websites and online. Call your local council or police station for help if everything else fails. If you provide incorrect information, the insurer can reject your claim. You may believe that you must prove fault or another party’s involvement to claim for tree damage.

When a tree falls, it isn’t necessarily the fault of others. If you don’t have insurance, you may still get compensation from your insurer for taking precautions against storms or falling branches.

8 tips for claiming fallen trees damage to your property

Seek expert advice

8 tips for claiming fallen trees damage to your property
8 tips for claiming fallen trees damage to your property

It’s disheartening to think of all your hard-earned money going towards repairs. What’s more distressing is not knowing what to do about it. To get your car back on track, you need to file a claim for damages. When dealing with insurance providers, always seek professional help. If something goes wrong, having your claim in writing with accurate details of damaged items will save you time, energy, and money. It helps you if you decide to sue for damages.

Consumers struggle with this area, and even some claims specialists are stumped. It’s critical to understand your insurer’s terminology for tree branches and fallen trees. Is there any cover for the stems and debris? Deny a claim if it does not expressly include these items. The easiest method to know is to ask your agent directly for detailed coverage. If they say yes, make a claim; if they say no, ask why not.

8 tips for claiming fallen trees damage to your property

DAMAGE CAUSED BY FALLING TREES OR BRANCHES endorsement, 

Under this policy, the Company agrees to cover loss or damage to the property stated in the Schedule, including the walls, gates, and fences surrounding it.

Any object immediately resulting from damage caused by fallen trees or branches or by such damage, provided that the first RM250.00

It is the Insured’s responsibility to pay any claim under this endorsement.

The policy’s terms and conditions apply as if incorporated. Any loss or damage is presumed to be caused by fire for this section.

 All other terms and conditions apply.

 You’re covered by whoever owns the tree.

 If a tree falls on your house, file an insurance claim.

Trees, shrubs, and branches can become projectiles after a hurricane or windstorm, causing extensive property damage. In most circumstances, an insurance provider will not investigate the origin of a tree or branch.

 If the tree falls on a neighbor’s property, your insurer may try to collect from their insurer through subrogation. If this happens and your insurance wins, you may be entitled to a deductible return.

 Keep your trees healthy and ready for winter and storms to mitigate damage. Remember, home insurance has no coverage for lack of care of the tree.

 Your coverage may cover tree removal.

When a tree falls on an insured property, the homeowner policy covers the cost of removing the tree, which can range from $500 to $1,000 depending on the insurer and the policy selected

 Debris removal usually is not covered unless the tree falls on an insured structure. However, if the tree is blocking a driveway or a disabled ramp, certain insurance carriers may cover the expense of removal.

 The value of mature trees and landscaping might be expensive to replace. Basic home insurance plans cover fire, lightning, explosion, theft, aircraft, non-resident cars, vandalism, and malicious damage to trees and plants.

 Most insurers cap coverage for a single tree, shrub, or plant at 5% of the structure’s insurance.

 Commercially cultivated trees and plants (such shrubs for sale) require separate company insurance coverage.

 To avoid damage from your trees, keep them healthy and ready for winter and storms—no cover for poor tree care by homeowner’s insurance.

 Restricts to 5% of the structure insurance policy, with most insurers capping coverage at one tree, shrub, or plant.

 Cultivated trees and plants (like shrubs) require separate company insurance coverage.

 Steps to take: Consider your trees while calculating your homeowner’s insurance sum insured.

Your Views
As always, please leave any ideas or questions in the comments area below.

Insurer sadly denies your medical claim

Nowadays, with the rising medical cost, a cashless admission medical card, but the insurer sadly denies your medical claim. The insurer cheats. Let us dive in to determine why the insurer denies your medical claim.

Firstly, we need to understand the importance of the principle of utmost good faith.
This legal notion, known as uberrimae fides, demands contracting parties act honestly and truthfully and not mislead or hide any critical information for the contract’s success.

Good faith dictates that both parties must disclose all relevant facts to an insurance arrangement. Honesty implies submitting accurate premiums and coverage limits to the insurance company. Expect the applicants to provide all relevant personal information truthfully.

When signing the contract, the insured and an insurer requires all parties to act in good faith. Insurers play a much more significant role than their insured counterparts, bound by the agreement regarding Utmost Good Faith.

Insurer sadly denies your medical claim

The tragic Case of Liver Transplant is highlighted in Singapore.

‘He died not knowing I was pregnant was the headline on Singapore Strait Time on Friday, June 7, 2002. Too much money, too little time: frantic efforts to raise finances for a liver transplant. A donor is available, but a significant delay over cost proves fatal in this case. “Without money or surgery, there is no solution.

I flashed the headlines of a heart-breaking love story across the local paper. A heartless mercenary surgeon had refused to admit a patient admission. Like adding salt to the wound, the insurer declined a so-called cash admission to a local private hospital.

Insurer sadly denies your medical claim

Jaundice

The chronicle of the misfortune began in
The local specialist diagnosed him suffered jaundice zymolysis. The hospital requested him to pay upfront RM5,230.00 for admission. Look here! It was supposed to be a cashless admittance using a medical card. Later, the specialist discovered he suffered from Hepatitis B as the cause of his illness.

Lacking a liver surgeon to perform a liver transplant there, the hospital found a solution for transferring based on the patient’s grave condition necessitated an immediate transfer to a Singapore private hospital, where he underwent a liver transplant.

When he was ready for a liver transplant, he transferred the patient to another private hospital in Singapore. The donor was the late patient’s older sister, who gave her liver for her younger sibling’s transplant as a tribute of love to her brother.

Insurer sadly denies your medical claim

With no money, there will be no surgery.

“Before the surgeon can execute the surgery, you must first locate a suitable liver donor and then pay a deposit of S$300,000 in full.” According to the hospital, “No money, no surgery” was the policy of the second private hospital in Singapore.

Insurer sadly denies your medical claim
Insurer sadly denies your medical claim

The patient’s family disposed of their share, gold, and jewelry and even borrowed money from distant relatives to save him. They had enough cash in hand; they deposited the hospital. The hospital admitted her as a donor to the hospital for a liver transplant.

Misfortune befalls the family; that morning, the Lord called her youngest brother’s life to an end since he could no longer hold on.

Whatever has passed is ash to ash, dust to dust, but the living must carry on. The deceased family submitted a claim with the general insurance company for an amount insured of RM75,000.00 for the medical card claim. The surprising response from an insurance company.

Insurer sadly denies your medical claim

Ineligible for Claim

Insurer sadly denies your medical claim
Insurer sadly denies your medical claim

It is with deep regret the insurer informs you that the medical expenses for the treatment of your condition are not claimable under the following policy exclusion:

General Exclusion (11) – “suicide or attempted suicide, self-inflicted injuries, self-destruction or any attempt thereat while sane or insane. “

General Exclusion (9) – “… treatment of alcohol dependence syndrome and drug addiction/abuse.”

There was no resolution after numerous visits to the lawyer appointed. On the other hand, the lawyer demanded RM2,000 from the family just to get started. For two years, there was no hearing from the session court.

At the same time, many friends helped the deceased family write many appeal letters to the Malaysian Mediation Bureau or Ombudsman for Financial
Services. All the attempts failed.

A coincidence meeting at the shopping mall, I pumped into a lady giving me a stern glance several times,

At first, we didn’t realize we had previously worked together until I accidentally ran into his sister by accident. We talked over for a cup of tea.

“Jamin wong, can you help me get the case for my late brother. I need your help.”
“When we separated the factory export department, I was confident that you were still pursuing your studies in Chartered insurance, and now it is time you would be able to aid me.” She begged me to listen to her.

Insurer sadly denies your medical claim

“Sure, it’s my pleasure to assist people who have a genuine claim, but those lawyer’s correspondence letters, please do not give to me. I want the proposal form, cover note, policy jacket, and rejection claim letter reply from the insurer.

I will study the case within two weeks and give you a reply If I have a 90 percent chance of winning, I shall write an appeal letter on your behalf to the Bank Negara Insurance Mediation Bureau. Is that alright with you?

Even though it mentioned Hepatitis B in the brother’s proposal form, the insurer issued no exclusion on hepatitis b. The insurer did not include an exclusion clause in the renewal notice. for hepatitis B. After carefully reviewing the liver specialist’s diagnostic report, the patient died of abrupt liver failure due to Hepatitis B, not consuming slim tablets. The deceased is taking slimming pills prescribed by general practitioners.

Insurer sadly denies your medical claim

The insurer did not uphold the utmost Good Faith.

Insurer sadly denies your medical claim
Insurer sadly denies your medical claim

In the proposal form, the insured had the duty to disclose that he was a hepatitis B carrier, which he had done in good faith. The veteran general insurance agent stated; that he had Hepatitis B, and the underwriter accepted the offer without any exclusion on Hepatitis B. As a result, the insurer did not honor their obligation of the utmost good faith.

The End Is Sweet

In the appeal letter, I highlight only one A4-sized piece of paper in the grey area.

After inspect the appeal letter and all the reason I gave, the bureau confirmed the insurer needs to pay the entire medical claim. A happy conclusion, of course. The insurer sent the widow a check for RM75,000 on July 30, 2004.

The insurer doesn’t cheat the public but finds a loophole to deny your claim. Please  read carefully and understand the acceptable tiny printed wording. Before accepting the offer, the is a cooling period of 14 days. If you doubt an unflavored term, request to amend it accordingly.

In any insurance, the best is don’t hide the fact and reality from the insurer. Like in the case of medical insurance, declare your pee-existing illness, for instance, hypertension. You orally take the pill daily but tell the agent not to write the actual scenario.
As a part of the contract, you do not practice utmost good faith; the insurer can void the warranty and deny your claim. You are buying insurance for the peace of mind, not giving you a hard egg later. Beware, don’t naively treat the insurer as a dummy.

The insurer paid a small claim but denied a more significant claim. We’ll see how the insurer breaks the tenet of utmost good faith in the next episode.

Suppose you like this blog post article. Please share it with your or your family member. I am most happy to help on this claim matter; please give a constructive comment in the box below.

How to claim bush/lalang destroy your home

How to claim bush/lalang destroy your home

It’s been scorched and hazy in most parts of the country. Here is a “simple write-up” about standard fire insurance policy coverage for losses caused by bush (or lalang) fire damage to your home. How to claim bush/lalang destroy your home?

Bush fires can erupt at any time. When a bush fire approaching your home and family, it’s critical to assess your risks and prepare.

Making a bush fire plan is one of the most important things.

You are prioritized to know if you have fire insurance or house insurance.

A policy for bush/lalang fire insurance

How to claim bush/lalang destroy your home

If you have or are about to buy a fire insurance policy to protect your home, please turn to the page with condition 8. This section on exclusions focuses explicitly on 8(i): 8. Unless the policy says otherwise, this insurance does not cover: In this case, the fires that burn forests, grasslands, prairies, and jungle can cause a lot of damage, but they can cost you a lot of money.

Fire loss or damage to property f due to forest, jungle, bush, or other forests, jungle, or no cover for bush fire spreading by the wording in 8 I. If a fire of this kind spread and damaged your home, there would be no way to stop it.

In this case, BUSH and LALANG fired.

The rate is: 0.005%

Wording of Endorsement

Conditions 8(i) of this policy say they don’t cover fires caused by bush/lalang. The Company agrees to pay an extra premium to cover fires caused by bush/lalang, but only if the Insured keeps their land free from lalang and undergrowth while this policy is in effect.

In other words, unless there are different rules and regulations in the policy.

However, suppose you choose a more comprehensive policy, such as a Householders or Homeowners Insurance policy. There is no exclusion for losses to insured property caused by bush or lalang fires – even subterranean fires are covered.

How to claim bush/lalang destroy your home
How to claim bush/lalang destroy your home

How to claim bush/lalang destroy your home

IN A BUSH/lalang  FIRE-PRONE AREA, HOW DO I PREPARE?

Don’t wait until the damage occurs to gather insurance information and images and videos of your property and goods. Save this information and evidence safely somewhere you can reach it readily if you need to flee.

Taking video or images before a bush fire can help you and the insurance provider process your claim more swiftly.

Call to make sure you have appropriate coverage in case of a bush fire. Will your house building insurance cover a rebuild? Consider a policy with a “safety net” amount if building expenses rise due to increased demand for materials or new building requirements.

Remember that many insurances exclude coverage for bush/lalang fire damage if purchased within 30 days of the event. Many plans do not allow claims for wildfire damage within 72 hours of purchase, although some only allow claims within 48 hours.

How to claim bush/lalang destroy your home

Are you insured for bush/lalang fire ?

Do you have insurance to recoup damages and losses caused by bush fires?.

The most common policies are:

Home Building Insurance covers building demolition or damage.

Personal and household goods

Motor Vehicle Insurance covers cars, motorcycles, trailers, and caravans.

RECLAMATION

The initial step is to notify your insurers of your claim. Unsure if your claim is covered, file a claim and see what the insurance responds.

Note: If your policy documentation is lost or destroyed, don’t worry; insurance companies store records electronically and need the policyholder’s name and address to handle claims. Your insurer must send you a copy and may have them online.

How to claim bush/lalang destroy your home
How to claim bush/lalang destroy your home
How to claim bush/lalang destroy your home

IMPORTANT: Are you covered for temporary housing fees. 

Additional Policy Benefits explains this in more detail.

The insurance will send an adjuster to inspect the damage and gather information to determine coverage. During natural disasters like bush fires, this may take time. 

Always remember that your safety comes first. Only enter damaged buildings if safe. Always follow emergency service directions.

Next, you must safeguard your possessions. you take reasonable precautions to prevent further damage. Suppose you can protect your property from other loss, such as tarping exposed items or placing it undercover. The document includes images, receipts, and council or local emergency service directives.

Take photos of damaged things and buildings to help you keep track of your losses.

Document everything and try to gain the insurer’s authorization before disposing of anything because it is a safety issue.

You should be aware of your insurer’s entitlement to inspect your property and decide who should repair/rebuild/replace what. Before beginning any work, you should consult with your insurer.

How to claim bush/lalang destroy your home

Note: An insurer may want you to make a room-by-room inventory of damaged property. If you lose everything, ask them to pay your entire insurance amount. If they insist on a listing, ask why and seek guidance.

May determine a person to be accountable for igniting the fire. While your insurance may not cover your entire loss, you may wish to gather documentation of a court case, investigation or open another source of compensation.

The sorts of risks or insured events covered by insurance plans differ from Policy to Policy, as do the occurrences or losses excluded. Ensure you read your policy and understand your coverage to obtain your benefits.you may not get all your losses paid.

Many insurance packages cover bush fires/lalang destroy to your home. However, what is covered and in what circumstances may be limited.

Common flaws include:

Bush fires that occur during the first 48 or 72 hours after purchasing the policy are usually not covered e.g., you just leased the property or changed policies from another insurer without lapsing and for the same cover.

No flame or burning building within 10 yards of your home means no scorching, burn marks, or melting damage.

until your buildings or stuff have caught fire

The policy’s terms determine the extent of your cover.

Many policies also require you to take precautions to avoid loss, such as sweeping gutters to lessen the danger of embers carried by the wind setting fire in the leaves. No need to endanger your health or safety or break local planning restrictions. What is reasonable can be disputed, especially if the fire was unexpectedly severe.

REPAIR/REPLACEMENT OR CASH

Often, the insurer has the right to decide whether to repair, replace, or payout. You can try to negotiate when they ask how you want to settle.

Accepting a cash settlement offer requires extreme caution. In your negotiations, keep in mind:

If an insurer decides to repair or rebuild, they are responsible. Insurers guarantee their work. They also manage the sometimes tricky repair process. Sometimes the repair costs are unknown so it is best to agree for a cash settlement and hire your repairer, you will be responsible for any issues arising from the repair quality.

Get your quotes to ensure the amount offered is reasonable. Repair/rebuild/replacement quotes obtained by the insurance company may not be accurate. Before settling on a final amount, you must carefully consider this sum.

You may receive store credit instead of cash if your policy allows it. If the policy does not allow store credit, you can request some money instead. However, the insurer may reduce your cash settlement below the stated value of the store credit. As policies vary, seek advice.

Determine whether you’re settling the entire claim or just a portion of it. You may have “Additional Benefits” on your building and contents insurance. Make sure you know what your policy covers.

BENEFITS OF YOUR POLICY

Your home building and contents policy may cover additional costs such as emergency/alternative housing, debris removal and demolition, architects, surveyors, and legal fees.

Can add these benefits to your insurance coverage. So, before accepting any claim settlement, make sure you are entitled to more than your sum insured due to additional benefits cover.

ACCOMMODATION IN EMERGENCY

If you can no longer live in your home, contact your insurer to see if you have temporary housing entitlements and for how long.

A clause to note whether covers you for temporary housing is:

the insurer will pay for comparable housing for up to 12 months while your building is rebuilt or repaired.”

POLICY CHECKLIST

Insurance policies for temporary/emergency housing vary. Examples:

Exact percentage (e.g., 10%) of the policy value that your insurer will cover you for temporary/emergency accommodation;

Assuming your insurer will cover “reasonable costs.”

Limitations on time: Some policies limit the amount of time you can claim for emergency lodging.

Warning: Your insurer may put you in an expensive temporary property that quickly depletes your accommodation allowance. If rebuilding your home will take 12 months, you will need a long-term housing solution.

DEBRIS DEMOLITION

Debris removal and land clearing can be expensive.

Check what types of “debris” are covered. For example, the policy may not cover trees, shrubs, and plant debris.

For example, your policy may cover “Removing buildings and contents debris from your risk address.”

Although not listed as “buildings or their contents,” trees and plants are not listed as “buildings.”

If you need help reading a policy, please contact your agent or the insurer.

How to claim bush/lalang destroy your home
How to claim bush/lalang destroy your home

LEGAL FEES, ARCHITECTURAL FEES

Most home building insurance policies cover the costs of architects, surveyors, and legal fees associated with rebuilding or repairing damaged buildings.

If you’re not sure, look for a clause in your policy that says something like this:

“We will pay for a reasonable architect, surveyor, and legal fees. Ten percent of your building’s insured value.”

COSTS OF NEW REGULATIONS

Events such as bush fires, local governments often introduce new regulations and fire safety standards; the authority may have implemented new rules since you built your home.

Do your policy cover these costs? A clause to watch out for is:

It includes “any additional costs required to comply with government or local authority by-laws.”

Will likely cover additional Additional compliance costs if your policy replaces your property “like new” or “total replacement cover.”

DIRE FINANCIAL NEED

If you need cash urgently, your insurer must expedite your claim and make an advance payment within five business days. The insurer may deducted any advance payment from your claim total.

If a bush fire affects your family, you can request the government for an emergency aids. Contact your bank immediately to help you if you have a house loan.

I would welcome any constructive comments in the box below.

 

Never Trust what the bank says about insuring a house loan

Never Trust what the bank says about insuring a house loan.

Never trust what the bank says about insuring on a house loan on fire insurance. Don’t take the bank for granted. Let us dive in, looking at two different scenarios.

After signing the Sale and Purchase agreement with a developer with a ten percent deposit for a two-floor terraced house, a young newly wedded couple was over the moon.

Never Trust what the bank says about insuring a house loan

The bank officer says they need to take ninety percent of the housing loan on fire insurance. They duly agreed on the sum insured, i.e., $270,000.00

As they are young and still paying the education loan, they move into the new house without any major renovation, just ten thousand on a kitchen cabinet, and purchase some simple electrical appliances. They enjoy the new environment with friendly neighbors.

Never Trust what the bank says about insuring a house loan
Never Trust what the bank says about insuring a house loan

The house blazed to the ground due to some illegal wiring tampering, overloading of the current supply, and a short circuit. Like most laypeople, they thought that the insurer would pay them $270,000.00. The final settlement of the claim was only amounting to RM200,000.00. Why is that so? They are puzzling, and gossip about the insurer cheated their money.

Never Trust what the bank says about insuring a house loan

Another businessman took a fifty percent margin of financing his semi-detached house purchased from a developer valued at one million dollars. He signed for the half-million dollars fire insurance from the bank.

It was such a coincidence his house was next lane to the newly wedded couple. This businessman spent another half-million on an extensive renovation to befit his social status. Indeed, a wise man took up another half-million-dollar fire insurance from his closed associated with another insurer.

Never Trust what the bank says about insuring a house loan

After the fire broke out, his house was gazed to ash due to the hot, dry summer.
The bank insurer settled his claim for Three hundred fifty-five thousand only.
As for the renovation brought from his associated for renovation, the payment was the total amount.

The same bank, insurer, and exact location make the vast difference in claim settlement.

Here is the crucial principle of insurance. i.e., indemnity.

According to the indemnity principle, an insurance policy cannot compensate policyholders for more than their actual financial loss. If the policyholder’s financial situation had not been affected, they would get a benefit equal to the amount of the loss.

The principle of indemnity ensures that the insured will be compensated for their losses but will not profit from an accident or claim. You won’t get anything less than what you need to get back on your feet.

Never Trust what the bank says about insuring a house loan

In the first case, the bank over-insured the house for the young couple, whereas in the second case, the house was under-insured. Who is the intermediary for the insurer that none other than the bank wrongly advises their client? A lesson learns, don’t the what the bank word as gospel.

In a nutshell, it is simply common sense that the land property can burn the land to the ground when a fire breaks out. Firstly, we should go minus ten percent of the total purchase price as a rule of thumb.

Secondly, what is the profit margin of the developer? It all depends on the location and type of material used in constructing a building. It varies from twenty to forty percent of the total purchase.
Let us assume that 30% is the developer’s profit margin, i.e., ninety thousand. The actual sum insured would be two hundred and ten thousand only.

Never Trust what the bank says about insuring a house loan

Let us put it another way, if, after two years, the young couple decides to sell their nest for half a million, the new owner still must insure for two hundred and ten thousand only (assuming no inflation here). The insurer would ignore the market speculation to reinstate the burnt house as before. Indemnity would ignore the profit gain element.

In the second case, the insurance average law applies here. It is a clear cut under insurance. 500,000 over 700,000 x 100%= 71%. Thus, the final claim is 500,000 x 71%= 355,000.

Never Trust what the bank says about insuring a house loan
Never Trust what the bank says about insuring a house loan

It is always advisable to purchase another policy for the extensive renovation work—the bank has no interest in covering your extra out-of-pocket money. Like fits the iron grill or stainless-steel auto gate.

Never Trust what the bank says about insuring a house loan

As for the home content, cover fire and thief under householder or home content policy. If you hire a maid at home, it is better to ensure a full thief policy instead of an ordinary burglar policy.

Don’t forget to add a rental clause even if the owner occupies their own home. If the house gazed to the ground, you need to rent a similar place for two years before getting a newly completed house.

Likewise, it is the same for non-owner occupied. Perhaps, you rent it out. No rental collects after a fire. The amount would be how much you need to rent a similar home. If it is one thousand dollars a month, add twenty-four dollars as the sum insured.

Your Views
As always, please leave any ideas or questions in the comments area below.

How to claim flood damages free to our home insurance

How to claim flood damages free to our home insurance
How to claim flood damages free to our home insurance

How to claim flood damages free to our home insurance?

How to claim flood damages free to our home insurance in the recent December 2021 state flood of the century. The recent Selangor state  worst flood in decades has caused widespread devastation among Selangorian. The current high inflation cost of living is a daunting task for average families with school-aged children.

However, the thump up also broke down political and religious barriers. On a lighter note, the current government and the opposition leader hugged to share the most pressing burning issue: cleaning up the aftermath. Furthermore, recent religious debates have tarnished other faith; a small mosque has opened, catering to flood victims of other faiths, regardless of religion or race.

Has Mother Earth retaliated against us for destroying the atmosphere? If the answer is yes, we must face the music of global warming consequences. Have we not yet learned our lesson?

Free claim flood damages to our home insurance

The devastation caused by the worst flood in history is far from over, but property owners in Selangor are already faced with the daunting task of rebuilding. The amount of rain that fell over a period of days was equivalent to a month’s worth of rain. The never-before-flooded area sunk up the roof of a one-story house.

Beyond the human tragedy of seven dead, the widespread flood damage caused by the flood and heavy storm serves as an important reminder to homeowners in Malaysia. It is time to wake up to know how to protect your nest home by purchasing flood extension coverage to mitigate future loss claims.
Your home is a sanctuary for your family. Do not save a penny resulting in a fortune; it is never too late to closely reexamine your home or fire insurance policy. It does not cost you an arm and a leg to have flood extension coverage for your house, and you are content with one easy plan.

Flood damages claim from our home insurance

Let us study the critical benefits covered.

  • It is wise to move to protect your home and its contents.
  •  The Policy covers your building and contents against fire, lightning, flood, and other natural disasters.
  • The insurer will replace your damaged items with new ones with inflated cost, provided it is less than five years old.
  • It covers all the accidental damage to home contents.
  •  Protect your home contents, including TV, laptop, or others, against accidental damage.
  • The option covers only home contents. Customize to protect just your precious belongings.
  • No one loves to see wastage of water oozing like a fountain via the bursting of water tanks or pipes, thus having the coverage for the broken pipes or water tanks. The brokerage causing damages to the building and contents can revoke this clause to compensate the loss claim.
  • The Policy protects your personal belongings worldwide.
  •  There is 24/7 protection for your personal belongings such as jewelry and watches and camera anywhere in the world.
    How to claim flood damages free to our home insurance
    How to claim flood damages free to our home insurance

    Flood damages exclusion clause in our home insurance

The exclusion clause the Policy does not cover.

1. Purchased landslide extension to prevent damage to building due to a landslide.

 2. Extensive damage caused by termites.

 3. Jewelry over 1/3 of the total insured amount.

What is the coverage?

Essential systems in the home include electrical and plumbing systems, furnaces, water heaters, and central air conditioners. It also includes cisterns and the water in them, solar energy equipment, water tanks, and pumps.

Appliances such as refrigerators and built-in appliances like dishwashers, washing machines, and dryers are covered—no covers for the food inside refrigerators.

Carpeting and window treatments, permanently installed carpeting over an unfinished floor, or any other kinds of carpets over wooden floors, your policy should cover them. Also, include window blinds and curtains.

Permanently installed paneling, wallboard, bookcases, and cabinets; replace your cabinets and pay only for damages. You might have trouble getting cabinets that match the older ones with the ruined and undamaged ones.

 Foundation walls, anchorage systems, and staircases are attached to the building. There is an exclusion for “loss caused directly by earth movement even if it caused it to flood.”

A detached garage can be insured up to 10 percent of your house building sum insured toward your garage. For example, the sum insured for the whole building is $1 000 000.00, then the garage is $100 000.00. This amount will be minus the total sum insured. Thus the final sum insured for building is $900 000.00 and outbuilding garage is $100,000.00 = $1 000 000.00

Personal property includes clothing, furniture, and electronic equipment—covers provided that are not stored in the basement.

Certain valuables cover items such as original artwork paid according to the agreed value subject to obtaining prior approval from the underwriter with the authentic expert report.

How to claim flood damages free to our home insurance

Other coverage, some events cover even if they’re not strictly floods, like groundwater seepage and mudslides. Includes a neighbor’s above-ground swimming pool collapsing. Water flows into your home or a water main break that damages your home and at least one other in your neighborhood. However, damage caused by a sewer backup is only covered if it’s a direct result of flooding.

You could see the uprooted tree crashing the car parking along the roadside and on the car porch during the Selangor flood. Stagnant with muddy water, snake slippery through the house making a nest, a completed wash over is an urgent task for the occupant. All those unattended houses, the expensive items, is the prime target – a riot by the drug addict when the water subsided. Isn’t it a nightmare?

How shall we protect ourselves instead of waiting for the insufficient donor or government handout that takes an age to receive? Prevention is the better cure. Help ourselves. No point in crying the split milk later.!

When entering an insurance contract, the following extension clauses are highly recommended for the householder or house owner policy.

Flood extension with a rating of 0.086%, you need to pay an additional premium of $860.00 for the sum insured of $1 000 000.00. The insurer shall compensate for your flood damage to the house structure or home contents.

Flood means:

The overflowing of water or deviate from its typical path either due to heavy downpour over a long duration, storm or man make the disaster such as deforestation.

Inundation from the main public supply or flash flood water accumulation hails outside the insured building.

Exclude the loss or damage caused by subsidence or landslip.

To complement the flood cover, the insured to add the subsidence or landslip extension clause. After the heavy convention rainfall, the soil turns to soften significantly with the root of acts the fastener of the loose soil. Condominiums collapsed like a matchbox. The Malaysian Highland tower is an excellent example due to subsidence and landslip.

For the subsidence and landslip cover, we pay an additional rating of 0.081% for the standard coverage. By paying an additional premium of $810.00 for the clause with a sum insured of $ 1 000 000.00, you would have peace of mind in the event of loss or damage to your sweet home.

The standard cover exclusion clause: Loss or damage

  1. It does not cover The Swimming pools, terraces, patios, drives, footpaths, walls, and gates or fences unless the building is outbuildings or garages. Flood-damaged by the exact cause and at the same time.
  2. The movement of solid floor slabs unless the foundation beneath the external walls of the buildings is damaged by the exact cause and simultaneously
  3. Occur or in consequence of coastal and river erosion. Demolish or alter the structure or repair defective design and poor construct foundations.
  4. No liability for the insurer in respect of every loss, 5% of the total sum insured or $25 000.00 whichever is the lower, after applying the law of averages.

Flood Insurance Calculator

However, deleting the standard cover by paying an additional 25% loading for the outbuilding like fence, gate and walking path, dog kennel and parking porch, and swimming pool costs $500 000.00. The additional premium for the sum insured of $500 000.00 would be ($500 000 x 0.081% + 25% loading to delete the item 1) $506.25. Thus we derive the final total premium for the extension peril would be ($810.00 + 506.25) = $1 316.25

Flood Damages Insurance

Damage by Falling Trees or Branches and Objects

A misfortune during the recent Selangor flood, the victim’s heart bleeding with blood found the house submerged with water, and the falling branches and trees fell on the house, the car parked on the car porch causing severe damage. Generally speaking, it is customary to see an insured claim for the loss or damage only to realize that the agent did not carry out the professional duty.

A wise move to cover the building and your car in such peril. Although it is a painful lesson learned, one can ensure this peril during the next renewal with a rating of 0.01%. Pay $100.00 for your property with a sum insured of $1 000 000.00

This Policy includes loss or damage to the property or walls, gates, and fences directly damaged due to falling trees or branches. The insured shall bear the $250.00 for any loss or damage. Don’t waste to claim when the claim falls below $250.00. If the claim is $ 3 000.00, the insurer pays you $2 750.00 for the full and final settlement of the claim. You are the insurer for the first $250.00

Removal of the debris (with the separated sum insured)

After the floodwater had receded, what remained was a dirty muddy floor. It is an eyesore to see floor carpet with mud, filthy muddy, stagnant water. Life has to go on. Have you ever think the cleaning process when hiring a worker to clean? What is the cost of this trying time? The cleaning company would demand an exorbitant fee for the uphill task, which is in great demand. Do you check your Policy for the removal of debris clause?

How to claim flood damages free to our home insurance
How to claim flood damages free to our home insurance

The additional sum insured can incorporate part of the sum insured with a separated sum. To be specific, it depends on the size of the building and the number of the floor. It can easily cost $5 000.00 upward.

The insurer pays the insured for the costs and expenses necessarily incurred with prior approval from an insurance company.

 (a) removal of debris

 (b) dismantling and demolishing

 (c) shoring up or propping of the portion of property damaged or destroyed by fire or by any other peril now insured

  (Items (b) and (c) above are deemed to delete when neither Buildings nor machinery is

 insured)

If the insured does not have a separate sum insured for debris removal, the insurer will bear 10% liability for the total sum insured. In the case of the Selangor flood, the insured can claim up to $100,000 for cleaning up the mess out of the sum insured of $1 000 000.00, provided the flood extension clause is printed in the Policy.

How to claim flood damages free to our home insurance
How to claim flood damages free to our home insurance
 Additional flood damages clause to our home insurance

Rent clause – not to overlook.

a) It applies only to the owner non-occupier to the premise if the building is unfit for occupation due to fire or other insured peril. The owner for the rental loss shall not exceed the total sum insured. Let’s say a monthly rental is $2 000.00, loss of rental for six months can recover from the insurer of $12 000.00

b) Applicable to owner-occupier of the premises, if the Selangor flood destroyed the building, the insured needs to find another home for one year before a new home is ready to move in. Rental of a similar standard home costs $1000 per month. Twelve months means the underwriter will pay $12 000.00 to the insured.

How to claim flood damages free to our home insurance?

  • Stay claim; the insured must first file a police report.
  • Inform the agent or insurer as soon as possible by phone, followed by an email. Any unreasonable delays could jeopardize your case. If the invisible agent is unavailable during a critical moment, which is common in Malaysia, go straight to the insurer.
  • Never seek or consult the fair-weather coffee shop friend for an opinion. Please don’t waste your hard-earned money to hire a lawyer, as it is a straightforward case, not a liability that needs a court hearing.
  • Liaise with the independent adjuster arranged by the insurer, let them have a thorough inspection of the whole scene, and ask for their approval for any minor repair to mitigate further loss.
  • Study the entire Policy closely with the insurance agent for any exclusion an excess clause. If you have any doubts, please refer to the insurer’s advice.
  • Get ready to take a video clip of the damaged item for the adjuster inspection. Remember to keep all the minor repair receipts. The video clip is of utmost importance for any future claim dispute.
  • Duly completed, sign the original claim form with the repair invoice to the insurer and copy it to the adjuster to expedite the claim. Get an acknowledgment of receiving the entire claim document to avoid undue delay.
  • Not to sign any counteroffer by the insurer unless you are delighted with the final claim. You can read more on How to claim Hurricane damage to your property.

Whether you are confronting teething problems, remember to stay calm and not panic, has a clear mind what the next course you need to take. Please call the insurance to send the adjuster to assess the damages claim to your house structure and the content, provided you insured the content too.

I want to emphasize here is you need thoroughly understand the content of your home insurance; any omitted clauses, please contact your insurer for doubt clearance.

Please leave your comment here so that I can reply to your answer for further improvement.

How to claim impact damaged by another car or your vehicle

How to claim impact damaged by another car or your vehicle

How to claim impact damaged by another car or your vehicle. A  plunging palm oil truck tanker crashed into the front portion of the house, causing severe impact damage to the hall, situated beside the main road. Who to claim for impact damage? Nowadays, commonly seeing your home crashed by road vehicle, it highlighted in the daily newspaper.

Claim impact damaged by another car or your vehicle

Impact Damage is defined as, loss of or visible physical damage to a home, with the or destruction caused to the property insured, due to impact by any Rail/ Road vehicle or animal by direct contact not belonging to or owned by

a) Insured or any occupier of the premises or

b) Employees while acting in the course of their employment.

How to claim impact damaged by another car or your vehicle
How to claim impact damaged by another car or your vehicle
l

On my way to Johor Bahru via the country road instead of NS highway, enjoying the clean and fresh air drive along the row of green oil palm plantation dotting a skeleton of Felda scheme houses along the way.

“Bang….Bang….Bang” Startling to hear a loud voice disruption, the echoed silence of the scorching sultry afternoon. The loaded tank full of palm stearin had rammed downhill into a house, carpeting the whole front hall yellowish and spilled onto the ground.

Curiously dashing out from the kitchen, a retiree couple clad into their “sarong” trying to investigate the outcome, I too dashed down to help to pull out the driver that stuck in the driver seat, suffered a minor injury with the bruise on the hand and forehead, dumbfounded and speechless. Advising the driver to lodge a police report, consequently, soon the venue gathered with people, after the brouhaha, nobody had an idea how to handle the situation.

To Whom Can We Claim Impact Damage

How to claim impact damaged by another car or your vehicle
How to claim impact damaged by another car or your vehicle

The main question here was as to whom we shall claim for the impact damage to the house. I had asked so many people in the seminar or even at the scene.

“Claim from the truck insurance?” All replied me such an answer, similarly, for the elder couple’s son too.

“Can you show your house fire insurance, please? I asked the son. Examined the coverage detail closely, I assisted him in calling the insurer’s adjuster to survey the hall damage to ascertain the loss of the property.

To their dismay,” why not claim the truck insurance, i.e., thirty party claim.” Yes, indeed, it is logical to file a third-party claim.

Third-party claim

The cons

  • How long to wait for the thirty-party claim?
  • Why enrich the lawyer’s pocket?
  • Do you know when the motor adjuster will finalize the accident report?
  • To what extent can we claim the emotional damage?
  • It is time-consuming to attend the court hearing postponed one after another.
  • Can you afford to keep on applying for unpaid leave?
  • Not afraid of your house being burglarized? You prefer to wait for three months or 2 to 3 years to reconstruct your home.
  • Cover the shortfall after deduction of 20% of the legal fee. If the insurer pays you $100 000 to reinstate the hall, Can you make up another $20 000.00 shortfalls to rebuild the damaged property?
Fire or Homeowner Insurance

Having a house owner or fire insurance with an extent of impact damage excluding the insured’s vehicle, you claim directly with the insurer submitting the original police report, photograph before and after damage, and of course, the plan and construction bill. If your house is adequately insured, no average will apply; you will reimburse fully.

After signing the subrogation claim letter, let the insurer deal with the faulty party rampage your house. It solves all your teething problems and subsequently saves a hefty amount of litigation fees.

How to claim Impact Damage by Insured Own Car

How to claim Impact Damage by Insured Own Car

How to claim Impact Damage by Insured own car? What are we going to do? Do you want to make claim on the owner’s car insurance? There will be no claim discount for the upcoming car insurance renewal. What should the house owner do as the next best course of action? Are you repairing one’s own car and home out of one’s own pocket? 

 

Impact Damage by insured own car

Nowadays, it is common for people to be distracted by their cell phones while driving. If a slip gets out of hand, it may accidentally collide with the insured house’s pillar or outbuilding. In most cases, the insured would have to pay for the repairs themselves. However, most people are unaware of house fire insurance or homeowner policies. Furthermore, the insurer or agent would not draw attention to the fine print of such a policy.

In the fine print of the policy, it read as follows”-

Impact Damage due to Insured’s Rail/Road Vehicles, Forklifts, Cranes, Stackers, and the like and articles dropped from there. “In consideration of an additional premium of RM._____________, it is now agreed and declared that the policy extended to cover loss and damage caused due to impact by direct contact to Insured’s property caused by Insured’s  Rail/Road Vehicles, Forklifts, cranes, stackers, and the like and articles dropped from that place.”

Impact Damage in the Wee hours of the morning

A loud “Bang Bang” broke the eerie silence of the moonshine night. After attending a relative’s wedding reception at a posh hotel, an elderly couple drove for over an hour. His white shirt had turned blood red due to the amount of blood oozing from his forehead. His wife, with a broken arm, begged her daughter for assistance.

Impact Damage by Insured own car

After crawling out of the vehicle, he discovered that the strong impact had destroyed the front auto gate; his car had rammed directly into the front broken brick wall. The main hall was partially damaged, with broken glass strewn all over the place.

“Oh my God,” Lina, get up!” The couple shook their daughter vigorously, but it was in vain. Lina and her companion were motionless in a pool of fresh blood.

How to claim Impact Damage by Insured Own Car
How to claim Impact Damage by Insured Own Car

They quickly summoned an ambulance, which arrived 15 minutes later. They were rushed to the hospital by paramedics. Fortunately, their younger son was in the backroom and was unharmed. He was shocked when he saw the chaos in the hall. In sixth and seventh grades, students are unsure of the next course of action to take. A freak accident like this does happen; the general public would panic.

Take pictures of the Impact Damage Scene.

The insured is required to file a police report right away. Attempt to limit further loss by guarding the house contents against being robbed. Examine the fire or house owner or householder policy to see if it includes an additional peril for Impact damage caused by the insured’s vehicle.

Adequately insured.

There is only a RM 400 deductible for impact damage caused by the Insured’s vehicle. The auto gate and brick of the main hall and a portion of the damaged wiring system, door, and lock cost approximately RM50 000 less the Rm 400 deductible; thus, the insured can claim up to RM49 600.

THE ELDER COUPLE AND HIS DAUGHTER.

They are entitled to a claim of up to RM10,000, or 50% of the sum insured. On the other hand, Lina’s friend can make a claim for up to RM300,000 for her bodily injury under public liability in the fire or house owner policy.

The householder policy covers items such as a television, sofa set,  decorative items such as a painting, flower vase or table, and a chair. The elderly couple also bought such a policy. Otherwise, they behave as if they are their own insurer.

If you enjoyed this article., Would you please forward it to a friend or anyone else who might find it helpful? By subscribing to my mailing list, I, too, welcome any suggestion or comment.

 
how to claim impact damage by insured own car
how to claim impact damage by insured own car
How to claim Impact Damage by Insured own Car

 

Compensation for the death of insured under householder policy

Compensation for the death of insured under householder policy.

Not everyone buys householder insurance, after the mandatory homeowner insurance as a prerequisite for the bank house loan. Even more shocking, most insured will not have fire or homeowner after settling the housing loan. What more to say the householder insurance.

The question of why the owner does not purchase householder policy? isn’t the fault of the intermediary or the house owner. Let us find out.

Most agents after hearing the owner had a housing loan with the bank. The agent applies the hand brake. Why not cross-selling for the householder product to the insured, beside the car insurance?

Compensation for the death of insured under householder policy.

Corporate Client

I had a corporate client called me one day,  ” Mr. Jamin, would you come over to my residence to discuss the householder policy?” Initially, I was a bit reluctant to affirm the yes answer.  After he gave a few calls me.Compensation for the death of insured under householder policy 2

” Mr. Robert, let us make on this Saturday evening at your home,” I confirmed it. After a long thought, I gave in to him, as his factory insured Marine open cover with a yearly sum insured valued more than US$ 80 million plus with plus or minus 5. Besides he also insured with me ten types of factory policies namely, fire, business interruption on machinery breakdown, Consequential loss, Money in transit and in premises, public liability, product liability, Group personal accident, employer benefit, burglary, and fidelity guarantee.

Flight Delay

On my arrival, the maid invited me into their mansion with an outdoor Olympic size swimming pool.

“Mr. Jamin, please be seated, my boss called her an hour ago the flight from a neighbor capital delay by 30 minutes. Would you like to a have a coffee or tea, sir?”  she continued ” If you are feeling a bit boring, I ask 3 gardeners to accompany around to see the flower and our own organic vegetable plot. Please make it into your home.”

The insured arrived home 15 minutes pasted 6.pm.

The couple said sorry profusely for the 30 minutes late.” The factory has an unexpected crisis crop out. We settle immediately but too late to catch the last flight home last night. All morning seats fully booked due to the weekend.”

The insured felt the previous agent did not have an in-depth knowledge of insurance matter. The agent had lumped all the content of 2 million dollars in one sentence.

Compensation for the death of insured under householder policy.

Determine householder sum insured

Let us go from 3 mains halls, 2 dining room plus 12 bedrooms and a wine chiller room and a bar counter with a display showcase of various brandy. Kitchen and customised make pet kennel that keeping 12 guards and fury small dogs taking care one pet lover maid. She daily bath and brush their teeth with dog toothpaste.

The insured’s wife loves crystal light. She went to Austria to sort out 3 Swarovski crystals light. The 3 chandelier elegantly displayed at the 3 main halls Valued US$300 000.00.  It is not part of the fixed and fitting as the crystal can be stolen or removed easily. 3 pure Italy leather cool and comfortable sofa set valued US$ 150 000.00. Compensation for the death of insured under householder policy 3

The 2 teak wood antique dining table match with 10 seats valued for US$100 000.00. Two giant wall mirrors decorated with seashell by one the famed best Indonesian craftsman valued at US$25 000.00.

The French wine stocked in the chiller room valued for US$50 000.00.  The owner loves wine, often drink with 4 children during happy occasions and festive season.

He often entertained his close relative and friend at the bar counter. The display set neatly arranged row by row with antique brandy. A few bottles with a more than 100 years lifespan so valued at US$100 000.00. A customised completed set Italy coffee maker from grinding to the fresh aromatic coffee bean to the flow of a cup of self-home make Italy cuppa valued for US$30  000.00

A pet kernel specially builds for the 12 dogs, as dog help to reduced working stress for a jet traveler manufacturer like him. A monthly visit by a veteran doctor gives the dogs for the pet health and wellness. 2 guard dogs insured for US$5000.00 and those small toy dogs valued for US$10 000.00. The customised make order kernel valued for US$25 000 installed 4 units of air-conditioned.

The owner master bedroom and 4 children bedrooms with Myanmar teak wood valued for US$100 000.00. The 7 visitors ‘ bedroom with valued for US$10 000.00 each.

One of the sons who were previously a professional photographer attached to National Geography. He treated his camera set like his own life. Besides,  working as a wedding planner, he loves landscape and micro photography. He had left his footprint on all the seven continents. Insured his Canon set of the camera with its accessories for US$100 000.00 with All risk with theft by deception extension clause.

Compensation for the death of insured under householder policy 4

The designed kitchen cabinet and cutlery and cooking utensil and electrical appliances insured for US$100 000.00

Being a business person, his wife and two daughters often go with him to attend an important function. Lady often dresses to kill, is not an exception for them too. Their jewelry, necklace and diamond ring insured for US$300 000.00

Compensation for the death of insured under householder policy 5

Rolex watch is an everlasting asset; it appreciates its value over time. The filthy rich like to keep it as an investment, likewise is the same for Mr. Robert. The whole family goes on a winter holiday to Swiss Alps for ice-skating is an annual affair. Bit by bit the accumulation of watches so valued at US$300 000.00

The wall painting, laptop, TV, CCTV, karaoke, and the sound system, mobile handphone insured US$35 000.00 only. I added a full theft policy for the insured. The policy issued joint name stating the couple as the insured.

Compensation for the death of insured under householder policy.

Morning Call

A beautiful Sunday morning, after having our family breakfast at a local cafe, I received a call. The panic maid called me informing, two robbers burgled the family. Mr. &  Mrs. Robert hospitalized in a private one. I rushed to meet them.

On seeing all the children was too there. I advised the elder son to make a police report.  The coma wife was still in the ICU. Mr. Robert narrated to me the occurrence of the event took place just before the youngest daughter arriving home with at 3.00 a.m.

Burglary

I heard the dogs baked fiercely, excluding the 2 guard dogs. The servant quarter was quite a distance away. The alarm was silence too. The couple woke up by the dog barking.

Two young lads clad in helmet dashed into the main hall with two chisels.

“Money” they yelled at them.

“We don’t have much money at home, take whatsoever you want.” this statement might be had provoked one of the robbers. One briskly slain the man, he used his bare hand to protect him. The panic wife started to scream for help.

” Hel…….p, Hel………P.” she blasted out. The fresh blood oozed out from her stomach. The robber had stabbed her in the abdomen. One seeing the children rushed out to their parent rescue. The robber went off empty hand.

The robbers poisoned the guard dogs and tied up 7 servants respectively in their quarter.

Death

Mrs. Robert breathed her last after 10 days in the ICU due to infection.  She was a diabetic. How much is the insurer liable for her death? Does the insurer pay the couple her medical expenses?

Compensation for the death of insured under householder policy.

What is the main point of consideration?

  • A forcible and visible of entry by the robbers burgled into your home.
  • The insurer pays for the death of the person if he or she died within 90 days caused by the thieves or fire.
  • If more than one person involved, prorate rate for compensation shall apply.
  • The corporation is not entitled to this benefit Unless a person is nominated for signing up the proposal form.

The liability for this benefit is one half of sum insured on Contents or whichever is less. The lesser amount shall apply.

Compensation for the death of insured under householder policy.

Claim for Compensation of Death

Dear reader, let us crack our brain, how much is the compensation of the death in this case? Learning together is fun. I would really appreciate your comments in the comment box below. Don’t worry your email address should not be published in the comment box.

Answer for Compensation of Death benefits

What is the final total of this claim here? There are only two answers here. The full policy wording on Compensation for death is as below.

Compensation for the death of insured under householder policy.
Death compensation under householder policy

What is covered?

  • You are covered against fatal injury (death) occurring in the Private Dwelling House due to external or visible violence caused by thieves or by fire, if the death occurs within three (3) calendar months of such injury.
  • If there are more than one (1) named insured, we will be liable for a prorate proportion of the compensation.
  • For a Corporation, You must nominate a person or persons and lodge their name(s) with us.
  • The limit of liability of this benefit is the sum specified on the Schedule or one-half of the Total Sum Insured on Contents, whichever is lesser.

Your Thoughts

As usual, I would love to hear any thoughts or questions that you have in the comments section below.

Email me at [email protected]

Claim Flood Damage to Home Insurance for Penang Flood of Decades

Claim Flood Damage to Home Insurance for Penang Flood of Decades. The recent Penang worst flood of the 3 decades have brought much misery to the ordinary Penangites. Couple with the high cost of living, it is a daunting task to cope with the average family with school going children.

But, it also broke the political and religion barrier giving the thump up. On the lighter side, the present government and the opposition leader come to hug other to share the utmost important burning issue to clean up the aftermath mess. Also, the recent debates on religion topic tarnished other faith, a small mosque was open catering for the other faith flood victim, regardless of religion and race.

Has the Mother Earth punished us for destroying the atmosphere? if Yes, we ought to face the music the consequences of global warming.  Have we not learning a lesson yet?   

The devastation from the worst flood of 3 decades far from over, but property owners in Penang are already facing the daunting task of rebuilding. The extraordinary continuous rainfall, in Penang and parts of Kedah on Nov 4 and 5 2017, The low-pressure area – a main cause of the flooding. It became a focal point for winds and high level of moisture resulting in continuous heavy rain and strong winds.

Claim Flood Damage to Home Insurance for Penang Flood of Decades

Beyond the human tragedy, the widespread flood damage caused by the flood and heavy storm serves as an important reminder to homeowners in Malaysia. Now it is time to wake to know how to protect your nest home by purchased flood extension coverage to mitigate future loss claim.

Your home is a sanctuary for your family. Do not save a penny resulting pay up a fortune, it is never too late to reexamine closely your home or fire insurance policy. It does not cost you an arm and leg to have the flood extension coverage for your house and content with one easy plan.

Claim Flood Home Insurance Damage to your Home in Penang

Let us study the key benefits covers.

  • It is wise to move to protect your home and its contents.
    The policy covers your building and contents against fire, lightning, flood and other natural disasters.
  • The insurer will replace your damaged items with new ones provided it is less than 5 years old.
  • It covers all the accidental damage to home contents.
    Protect your home contents including TV, laptop or others against accidental damage.
  • Option covers only home contents. Customize make to cover just your precious belongings.
  • No one loves to see wastage of water oozing like a fountain via bursting of water tanks or pipes, thus has the coverage for the broken pipes or water tank. The brokerage causing damages to building and contents can revoke this clause to compensate the loss claim.
  • The policy protects your personal belongings worldwide.
    There is 24/7 protection for your personal belongings such as jewelry and watches, camera anywhere in the world.

Exclusion clause the policy does not cover.

1. Purchased landslide extension to prevent damage to building due to a landslide.
2. Extensive damage caused by termites.
3. Jewelry in excess of 1/3 of the total insured amount.

What is the coverage?

Essential systems in the home include electrical and plumbing systems, furnaces, water heaters, central air conditioners, It also includes cisterns and the water in them, solar energy equipment, water tanks, and pumps.

Appliances such as refrigerators and built-in appliances like dishwashers, washing machines, dryers are covered. No covers for the food inside refrigerators.

Carpeting and window treatments, permanently installed carpeting over an unfinished floor or any other kinds of carpets over wooden floors, your policy should cover them. Also, include window blinds and curtains.

Permanently installed paneling, wallboard, bookcases, and cabinets, replace your cabinets, pay only for the damages one. The ruined cabinets along with the undamaged you might have trouble getting cabinets that match the older ones.
Foundation walls, anchorage systems, and staircases attached to the building. There is an exclusion for “loss caused directly by earth movement even if the earth movement caused it to flood.”

A detached garage can be insured up to 10 percent of your house building sum insured toward your garage. For example, the sum insured for the whole building is $1 000 000.00 then the garage is $100 000.00. This amount will minus from the total sum insured. Thus the final sum insured for building is $900 000.00 and outbuilding garage is $100,000.00 = $1 000 000.00

Personal property includes clothing, furniture, and electronic equipment—covers provided that not stored in the basement.

Certain valuables cover items such as original artwork pay according to the agreed value subject to obtain prior approval from the underwriter with the authentic expert report.

Other coverage, some events cover even if they’re not strictly floods, like groundwater seepage and mudslides. Includes a neighbor’s above-ground swimming pool collapsing.  Water flows into your home or a water main break that damages your home and at least one other in your neighborhood. However, damage caused by a sewer backup only covered if it’s a direct result of flooding.

The Penang worst flood of the 3 decades, you could see the uprooted tree crashing the car parking along the roadside and on the car porch. Stagnant with muddy water, snake slippery through the house making a nest, a completed wash over is an urgent task for the occupant. All those unattended houses, the expensive items is the prime target – a riot by the drug addict when the water subsided. Isn’t a nightmare?

How shall we protect ourselves, instead of waiting for the donor or government handout which is insufficient and takes an age to receive? Prevention is the better cure, help ourselves. No point in crying the split milk later.!

The following extension clauses highly recommend for the householder or house owner policy when entering a contract of insurance.

Flood extension with a rating of 0.086%, you need to pay an additional premium of $860.00 for the sum insured of $1 000 000.00. The insurer shall compensate your flood damage to house structure or home contents.

Flood, means:

The overflowing of water or deviate from its normal path either due to heavy downpour over a long duration, storm or man make the disaster such as deforestation.

Inundation from the public main supply or any flash flood water accumulation hails from outside the insured building.

Exclude the loss or damage caused by subsidence or landslip.

To complement the flood cover, the insured to add the subsidence or landslip extension clause. After the heavy convention rainfall, the soil turns soften especially with the root of acts the fastener of the loose soil. Condominiums collapsed like a matchbox.  The Malaysian Highland tower is a good example due to subsidence and landslip.

Subsidence and landslip cover rating 0.081% for the standard cover. By paying an additional premium of $810.00 for the clause with sum insured of $ 1 000 000.00, you would have the peace of mind in the event of loss of damage to your sweet home.

The standard cover exclusion clause: Loss or damage

  1. The Swimming pools, terraces, patios, drives footpaths, walls, and gates or fences unless the building, its outbuildings or garages damaged by the same cause and at the same time.
  2. The movement of solid floor slabs unless the foundation beneath the external walls of the Buildings damaged by the same cause and simultaneously
  3. Occur or in consequence of coastal and river erosion. Demolish or alter structure or repair, defective design, and poor construct foundations.
  4. No liability for the insurer in respect of each and every loss, 5% of the total sum insured or $25 000.00 whichever is the lower, after applying the law of average.

However, delete the standard cover by paying an additional premium of 25% loading for the outbuilding like fence, gate and walking path, dog kernel and parking porch and swimming pool costs $500 000.00. The additional premium for the sum insured of $500 000.00 would be ($500 000 x 0.081% + 25% loading to delete the item 1) $506.25. Thus we derive the final total premium for the extension peril would be ($810.00 + 506.25) = $1 316.25

Damage by Falling Trees or Branches and Objects

A misfortunate during the recent Penang the worst flood of the 3 decades, the victim’s heart bleeding with blood found out not only the house been submerged with water, but also the falling branches and tree fall on the house the car parked in the car porch causing severe damage. Generally speaking,  a normal to see an insured claim for the loss or damage only realize that agent did not carry out the professional duty.

Wise move to cover the building and your car with such peril. By having said that, although it is a painful lesson learned, nevertheless, one can insure this peril during the next renewal with a rating of 0.01%.  Pay $100.00 for your property  with a sum insured of $1 000 000.00

This Policy includes loss or damage to the property or to walls, gates, and fences directly damage due to falling trees or branches. The insured shall bear the $250.00 for each and any loss or damage. Don’t waste to claim when the claim falls below $250.00. If the claim is $ 3 000.00, the insurer pays you $2 750.00 the full and final settlement of the claim. You are the insurer for the first $250.00

Claim Flood Damage to Home Insurance for Penang Flood of Decades 6

Removal of the debris (with the separated sum insured)

After the flood water had receded, what a remain was a messy muddy floor. It is an eyesore to see floor carpet with mud, filthy muddy stagnant water. Life has to go on. Has your ever think the cleaning process when hired worker to clean? What is the cost of this trying time? The cleaning company would demand an exorbitant fee for the laborious task which is in great demand. Do you check your policy for the removal of debris clause?

The additional sum insured can incorporate forming part of the sum insured with a separated sum. Be specific it depends on the size of the building and number of the floor. It can cost easily at $5 000.00 upward.

The insurer pays the insured for the costs and expenses necessarily incurred with the prior approval from insurance company
(a) removal of debris
(b) dismantling and/or demolishing
(c) shoring up or propping of the portion of property damaged or destroyed fire or by any other peril hereby insured
against. (Items (b) and (c) above deemed to delete when neither Buildings nor machinery is
insured)

If the insured does not has a separated sum insured for the removal of debris, the insurer will bear 10% liability for the total sum insured. In the case of the Penang flood, the insured can claim up to $100,000 for cleaning up the mess out the sum insured of $1 000 000.00 provided flood extension clause printed in the policy.
Lazada MalaysiaClaim Flood Damage to Home Insurance for Penang Flood of Decades 7

Rent clause – not to overlook.

a) Applicable to owner non-occupier to the premise, if the building is unfit for occupation due fire or other insured peril, the owner for the rental loss shall not exceed the total sum insured. Let say a monthly rental $2 000.00, loss of rental for 6 months can recover  from insurer of $12 000.00

b) Applicable to owner occupier the premises, if the Penang flood destroyed the building, the insured need to find another alternative home for 1 year before a new home ready to move in. Rental of the similar standard home cost $1000 per month, 12 months means the underwriter will pay $12 000.00 to insured.

How to claim flood damage to home insurance.

  • Stay claim, the insured shall make a police report first.
  • Immediately inform the agent or insurer via telephone follow with an email to them. Any unreasonable delays may prejudice your case. If the invisible agent is not available during the critical moment which quite a true fact in Malaysia, go straight to report to insurer directly.
  • Don’t ever seek or consult the coffee shop fair-weather friend for an opinion. Don’t waste your hard earn money to hire a lawyer, as it is a straightforward case, not a liability whereby need a court hearing.
  • Liaise with the independent adjuster arrange by the insurer, let them has a thorough inspection of the whole scene, ask for their approval for any minor repair to mitigate further loss.
  • Study closely the whole policy with the insurance agent for any exclusion and excess clause.  Any doubts please refer to the insurer’s advice.
  • Take a video clip of the damaged item for the adjuster inspection. Keep all the minor repair receipt. The video clip is utmost important for the claim dispute.
  • Duly completed sign original claim form with the repair invoice to the insurer and copy to the adjuster to expedite the claim. Ask for the acknowledgment of receiving the entire claim document to avoid undue delay.
  • Don’t sign any counteroffer by the insurer unless you fully satisfied with the final claim. You can read more on the How to claim Hurricane damage to your property

How to Claim Hurriance Damage to Your Property

How to claim Hurriance damage to your property, if you have sustained a heavy loss or damage.

Damage from Hurricane Irma

If a storm damages your property, It is the wise choice you to report your claim directly to your insurer. They will have a claims agents accessible 24 hours a day. Note down the contact number before the storm. You might not connect to either internet or mobile phone access after the storm.

  • The Insurer will assign an adjuster to get in touch with you at the number you gave on your claim report, so make sure to give an insurer to contact you.
  • The insurer typically sends the adjuster priority to extremely damaged properties.
  • If your home or business is uninhabitable or you move elsewhere briefly, make certain to tell the insurer where you can reachable.

In the event that you sustain a minor damaged, please try to remain tolerant. When the adjuster contacted you, please take note the vital information like their hame, office contact number and the claim report number.  Likewise, ask the adjuster what the next course of action you should take it and when he/she will be back in contact with you. Ask the agent any inquiries you may have about your claim. How to Claim Hurriance Damage to Your Property 8

Make Temporary Repairs. Take photographs or video recordings.

  • If you damaged home or business, please make immediate repairs to mitigate the loss and to protect your safety.
  • Keep all your receipts, the insurer will request them at a later date.
  • Keep damaged items for the adjuster to examine later. Try not to dispose of damaged goods.
  • Temporarily repairs like tarping your rooftop, remove a tree from your home, and repair broken windows.
  • Take photographs as well as recordings of the damaged,  including recording your damaged personal items. This will expedite your claim.

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Try not to make Permanent Repairs

Try not to make permanent repairs to your home until your adjuster has examined your damaged. If you have doubt, please call the insurer.

Begin setting up a Personal Property Inventory

  • Try not to discard the damaged items until the adjuster has seen them, especially premium good. The damaged personal belongings, your adjuster will ask you for a personal property inventory. This is a listing of the damaged items and their value(s)
  • We recommend you achieve this on a room-by-room basis and list it down with detail description. List the “Replacement Cost” of everything and its genuine cash value. Replacement cost is the thing that it would cost today to substitute an item with the resemblance. Genuine Cash Value the item is truly worth subsequent to deducting for wear and tear.
  • Enclose any documentation you can (receipts, photographs,
    canceled the checkbook, financial records, guarantee booklets, and so forth.)

Your adjuster may have particular forms they will give you.

Be Cautious of repair scam

  • Resist the temptation to sign up with the repair contractor that appears at your door. You should not sign repair contract or assignment of benefits. This is giving away your right to the contractor and may affect the claim later.This could cause lost control the cash paid by the insurer. Respectable repair contractor won’t expect you to sign an agreement that included the assign of benefits.
  • The assignments of Benefits scams are the main source of rising insurance premium, and fraud sees hurricane aftermath a golden chance to prey on desperate homeowners.We suggest that you call your insurer or adjuster to report the damaged claim and decide the next ideal approach.

Emergency Relief Centre

A storm severely damaged your home, please liaise the local authority for next nearest emergency relief center.

Sign up for online policy access

Nowadays, it is an e information, all insurers have the online policy access, it is vital to sign up this offering. Tracking your claim status reduced your stress after suffering a tragedy.

Talk about claim with the adjuster

The insurer expects a huge amount of claims. Please patient, it is normal for an insurer dealing priority on the extremely damaged cases.

Frequent Asked Questions

  1. How does a Hurricane deductible function?

Irma is presently a tropical storm, and a storm deductible will apply to any damage to your home or business asset. The Hurricane deductible only applies if a hurricane watch or warning issues in any part of an affected area and ends 72 hours from the time the warning or watch terminates.

With a hurricane deductible, the homeowner is liable for this deductible. The covered damage that exceeds your deductible will pay by the insurer. Generally, hurricane deductibles range from 2% to 10% of the insured value of the home.  So, if your home insures for $400,000 with a 2% hurricane deductible, your hurricane deductible is $8,000.

This is an annual deductible, so if you have 2 different hurricane losses in one calendar year and you already exceeded your deductible during the 1st hurricane, you will not have to pay a deductible during the rest of the policy period.

2. Will my car insurance cover damage to my car?

If you purchased a comprehensive policy with flood extension, both hurricane damage and flooding cover your car your car insurance company. A comprehensive deductible will apply.

3. Will my homeowner’s policy cover flood damage?

A homeowners policy covers the wind and hurricane damage if it inclusive in the policy. If the blown roof and then the rain pours into the building that would be covered by the wind portion of your policy.

Rising groundwater from a storm surge or hurricane considers a flood. Flood damage is not covered by standard homeowners or business insurance policy unless you have the flood extension clause in your policy.a hurricane in most the commonwealth nations, unlike the USA having 2 separate coverages.

4. Will my homeowner’s policy cover trees down?

Most homeowners and business packages provide for removal of trees or branches that have fallen on your structures. The insurer doesn’t pay for removal of trees or debris that blew into your or fell in your yard without damaging anything.

5. My house is uninhabitable. What do I do?

To begin with, let us say we know this is hard and trying time while you are homeless. Please call the insurer for the arrangement for the temporary shelter in a decent home befits for your current damage lifestyle home.

Loss of Use: This is to reimburse you for extra expenses and temporary housing incur. Generally, the temporary housing amount based on the fair rental value of your home or apartment during your displacement period. Additional expenses include expenses that you would not normally incur, such as additional petrol mileage, electricity consumption, generators, electrical, phone or food expenses over and above your usual costs. It is not the obligation for the insurer to pay you the limit upfront. You must incur the extra expense and provide proof of loss in form of receipts or invoices for reimbursement from them.

Need an attorney to claim for hurricane damage
https://youtu.be/Wb36EHTSKTk

Unfortunately, insurer and their adjusters are not in the business of paying out claims. Generally, the insurer’s trained adjuster attempts to negotiate the minimum of claim or deny it outright based the exclusion in the policy. You might not aware of this, but for the adjuster, this process starts when you phone to file a claim. Understandably, you might suffer from stress or tension due to damages or losses caused by typhoon Irma, however, you ought to remember the fact that every question you answer could be an element in determining if a claim is successful. The insurer doesn’t care in case you stress or confused when you informed, they’ll blissfully use it against you later.

While you honestly in reporting a loss to your insurance company, you have the right under the Federal Constitutions. The adjuster is a trained expert; you aren’t. A house owner without the full understanding of the policy coverage will at the mercy of the insurer when claiming a loss. It is sensible to consult your lawyer to prevent a claim being denied or short payment. Once the damage was done, it is more difficult for a lawyer which you hired after your claim denied to effectively recovering for you. Keep in mind; it is compulsory for all insurers to provide you with an updated copy of your insurance policy inclusive of all amendments and endorsements.

As said above, do not discuss your loss till you’re absolutely prepared to do so. This means having a complete copy of your policy in front of you so that you are aware the coverage. Understand it before you speak your claim with your insurer.

If you do decide to contact your insurer, be sure you take the following steps before contacting your insurance company. Remember there is no rush and normally, you have few weeks to file a claim after a loss which includes Hurricane Irma.

How to Claim Hurriance Damage to Your Property

8 THINGS YOU MUST KNOW BEFORE FILING A CLAIM FOR HURRICANE DAMAGE

  • Read and understand your entire homeowner’s insurance policy together with any endorsements and amendments.

Do not record over the smartphone. Do not comply with offer a recorded or sworn declaration over the phone. Ask to offer one in person or in writing. Don’t forget to consult with an attorney first. PUBLIC ADJUSTERS aren’t legal professionals.

      • Communicate in writing if you wish. Try to make certain most of your conversation is in writing. When you have a telephone conversation and follow it up with an email or a fax.
      • List down and everything lost or damaged. Create a list of all damaged belongings such as any personal items. Please ensure to consist of the brand name, model, and accurate description of all claimed items. Include all items irrespective of how small.
      • Document all damages. Don’t only photograph the damage, but additionally, make sure every picture is both time-stamped or logged with the date and time when it was taken.
      • Witnesses are crucial. List down everyone who witnessed the losses and may testify to how the losses came about. This includes the names of any contractors or different employees who do the repairs.
      • Keep a logbook of contact with your insurance company. Take down the first and last name of everyone you speak to from your insurance company, the date you spoke to them, and what you spoke to them about.
      • Accumulate your past information. If possible take all records any previous maintenance or inspections of your private home. This will make it greater tough for the insurer to assert the preexisting or unrelated damage.

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Your Thoughts

As usual, I would love to hear any thoughts or questions that you have in the comments section below.

Email me at [email protected]

Thank.
How to Claim Hurriance Damage to Your Property 9