Make sure you're sufficiently covered this wet season, says PIAM

PETALING JAYA: In view of the wet season, the public has been urged to protect their assets from possible flood damage and disasters like landslides.

The General Insurance Association of Malaysia (PIAM) said the monsoon transition phase, which started on Sept 24, was expected to last until the end of November.

"PIAM would therefore like to advise the public to review their insurance policies with their insurers or insurance agents to establish if the cover provided is sufficient to mitigate any serious financial impact due to flood losses and damages.

"Businesses and individuals can take up affordable insurance products offered by insurance companies to protect themselves and their businesses against such losses," it said in a statement on Thursday (Oct 8).

PIAM said all insurance policyholders located in flood-stricken areas should check their fire and motor policies to confirm whether they were covered for losses or damages resulting from floods.

Standard motor and fire policies exclude coverage against losses caused by natural catastrophes such as earthquakes, tsunamis and typhoons, but policyholders could opt for coverage for flood-related losses or damages, it said.

These could be purchased as an extension to the standard policies, it added.

PIAM also recommended that consumers in flood-prone or low-lying areas prepare waterproof containers for valuables and important documents and to be ready to evacuate to higher ground.

"When evacuating, secure your furniture and empty the refrigerator and cupboards, and leave the doors ajar.

"Electrical appliances which can be carried should be moved to higher ground.

"Disconnect electrical appliances that cannot be carried," said PIAM, in spelling out among the safety measures that should be taken.

It also advised the public to boil their drinking water and to stay away from fallen power lines or flooded buildings.

Policyholders experiencing a flooding incident should contact their respective insurance companies as the circumstances of each case and claim were different, said PIAM.

According to the Meteorological Department, the monsoon transition period will bring thunderstorms, heavy rain and strong winds, especially in the evening and early nights in parts of the country.

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