{"id":18232,"date":"2021-01-06T19:00:00","date_gmt":"2021-01-06T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/how-to-survive-flood.html"},"modified":"2026-03-26T16:02:03","modified_gmt":"2026-03-26T08:02:03","slug":"how-to-survive-flood","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/finance-explained\/how-to-survive-flood.html","title":{"rendered":"How To Survive A Flood And Financially Recover Quickly"},"content":{"rendered":"\n

With parts of Malaysia currently facing severe flooding, knowing what to do before, during and after the disaster could save your life and help you financially recover quickly. Here\u2019s a quick step-by-step guide and tips on how to survive the flood season.<\/strong><\/p>\n

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Massive floods have hit Kelantan, Terengganu, Pahang, Perak, Selangor and Johor \u2013 with almost 20,000 Malaysians evacuated to temporary relief centres (PPS) so far, according to a recent report<\/a> by Astro Awani. <\/p>\n

The Malaysian Meteorological Department (MetMalaysia) has also issued a weather warning<\/a>, with more heavy rain expected in parts of Pahang, Johor, Kelantan, Terengganu and Sabah. MetMalaysia has pointed out that continuous downpour may cause flooding in low-lying and flood-prone areas. <\/p>\n

Throughout the years, almost every state in Malaysia has experienced some form of flooding \u2013 from traffic jam-inducing flash floods in urban areas like Penang<\/a> and Johor Bahru<\/a> to devastating weeks-long floods in the east coast<\/a> of the peninsular and East Malaysia<\/a>. <\/p>\n

Even our capital city, Kuala Lumpur, has been struck by floods as recently as November last year<\/a>.<\/p>\n

So if you live in a location that is prone to flooding, you should make the necessary preparations to ensure the safety of your family, as well as minimise your financial losses from potential property and car damages.<\/p>\n

Preparations for the monsoon season<\/h2>\n

Floods have a higher tendency of happening during the annual monsoon season<\/a> in Malaysia (November \u2013 March) and sometimes, it can strike suddenly without any warning or indication. During a flood in Kuala Lumpur last September, The New Straits Times reported<\/a> that sections of Jalan Dang Wangi and Jalan Tun H.S Lee were submerged in water after only a few hours of heavy rain. <\/p>\n

Thus, when you are facing an occasionally unpredictable natural disaster like this, it\u2019s best to stay prepared at all times. <\/p>\n

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You ought to add flood coverage to your home and car insurance policies, especially if you reside in a flood-prone area.<\/em><\/p>\n

1. Add flood coverage to your home and car insurance policies<\/h3>\n

You should add flood coverage to your home and car insurance<\/a> policies, especially if you reside in a flood-prone area. The coverage will ease your financial burdens in the event where your home or car is damaged by flood water.<\/p>\n

According to The Star, repairing a flood-damaged car can cost up to RM50,000<\/a>. Meanwhile, your home repairs might cost even more than that. Imagine having to replace your ruined doors, windows, sofa, tables, TV, PC, kitchen cabinets, wardrobes, beds, carpets as well as other appliances and furniture pieces. You will also need to fork out more money to clean and disinfect your home.  <\/p>\n

To purchase a home insurance policy that offers coverage against flood, you can seek out insurance providers such as AmAssurance<\/a>, AIG<\/a> and Allianz<\/a>. <\/p>\n

As for your car insurance, you can choose to add coverage<\/a> against natural disasters like floods, typhoons and landslides to your policy. From what we know, the annual premium<\/a> for this add-on is 0.5%<\/strong> of the total sum insured<\/strong>. So if you have insured your car for RM50,000<\/strong>, you\u2019ll be paying an additional RM250 for flood coverage<\/strong>. <\/p>\n

Considering how much money you\u2019d have to spend if flood water damages your car engine, transmission or cooling system, paying that extra few hundred ringgit yearly seems like a good deal.<\/p>\n

Related:<\/strong> #WhatIWishIKnew \u2013 The Ultimate Guide On How To File An Auto Insurance Claim In Malaysia<\/a><\/p>\n

2. Stay updated with the latest weather and flood forecasts<\/h3>\n

Malaysian news sites regularly publish the latest bad weather and flood alerts by government agencies like MetMalaysia<\/a> and the Department of Irrigation and Drainage<\/a>. So you should follow these news portals on Twitter and other social platforms. An early warning can give you more time to get your family to safety, as well as protect your home, car and belongings. <\/p>\n

Before a flood<\/h2>\n

As soon as you hear about an impending flood in your area, you should pack up your important belongings and get ready to seek safe shelter along with your family members.<\/p>\n

1. Prepare an emergency kit<\/h3>\n

You should always keep a waterproof bag at home. Use the bag to store essential items such as:<\/p>\n