Is flood covered? Check now
| What | Flood covered when | Where to check |
|---|---|---|
| Car | Your comprehensive policy has the special perils extension | “Additional coverage” in your policy schedule |
| House (building) | Many houseowner policies include flood; a basic fire policy does not | Perils listed in your houseowner policy |
| Contents | You have householder cover that includes flood | Householder policy schedule |
| Shop / factory | Flood is added to the fire policy as an extension | Extensions in your fire policy |
Add flood cover before a flood happens; it can’t be added afterwards. Landslip and subsidence are usually separate.
If your car is flooded
- Don’t start the engine. Starting a flooded engine can cause more damage and get the claim reduced or rejected.
- Take photos and videos showing the water level and the car.
- Call your insurer’s hotline and have the car towed to a panel workshop.
- Make a police report if your policy requires it, and keep all receipts.
A flood claim under special perils may affect your NCD depending on the insurer; ask before you claim.
If your house, shop or factory is flooded
- Make sure everyone is safe and switch off the electricity at the main switch if it’s safe to do so.
- Photograph and video all damage before cleaning up.
- Tell your agent or insurer immediately. A loss adjuster may be appointed; don’t throw away damaged items until they have seen them.
- List damaged contents or stock with estimated values, brands and models.
- Prepare documents: claim form, proof of ownership, photos, repair quotations and the inventory list.
Building claims can include cleaning, repainting and electrical repairs. Shops and factories with business interruption cover can also claim lost profit while they reopen.
Before the next monsoon
- Check your car policy schedule for special perils, and your home and shop policies for flood.
- Make sure sums insured reflect today’s rebuilding cost and stock value, to avoid the average clause.
- Keep receipts and photos of valuable items and stock records somewhere safe, such as cloud storage.
Lulu has helped clients through major Selangor floods. Those with flood cover could claim; those without could only record their losses. Read her story in Lulu’s 13 years.