How to Claim Flood Damage for A Property

How to Claim Flood Damage for A Property

Claim for Flood Damage for  a property

The recent Australian big flood destroyed thousands of homes and property like cars and livestock. Had you prepared for the flood claim on your property yet? Now, it is time to study your policy closely on the clause on a flood damage claim.  Call your agent for advice on how to claim flood damage on a property before it is too late.  Natural disasters like floods or typhoons and tidal waves alway strike when you are off guard. Life is hard, isn’t? In reality, how to claim flood damage for a property?  Surely, you purchased fire insurance on your house with flood extension, don’t you? Or else, you cannot claim flood damage on your property.

Claim for Flood Damage to Property

Has 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 extraordinary continuous rainfall, in Penang and parts of Kedah on Nov 4 and 5 2017, The low-pressure area – the main cause of the flooding. It became a focal point for winds and a high level of moisture resulting in continuous heavy rain and strong winds.

Again, as can be seen, the recent 2019 Australian Bushfire, followed by the severe flood in 2020. Had our world leader taken a dramatic action to reduce global warming?  

How to claim flood damage for a property
How to claim flood damage for a property

Flood Extension to House and Car in flood damage claim

Beyond the human tragedy, the widespread flood damage caused by the flood and heavy storm serves as an utmost urgent reminder to homeowners in Malaysia. Now, awake call to property owner to purchased flood extension coverage in order to mitigate future loss claims.

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

How we could protect ourselves, rather than expecting the donor or government handout which is insufficient and takes an age to receive? Prevention may be a better cure, help ourselves. No point in crying the split milk later.!

Protect ourselves First

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 would like to pay a further premium of $860.00 for the sum insured of $1 000 000.00. The insurer shall compensate for your flood damage to deal with structure or home contents.

Flood and damage claim on a property

The overflowing of water or deviate from its normal path.  It is either due to prolonged hours of a heavy downpour. Besides, man makes a disaster like deforestation.

At the time, the Inundation from the general public mains supply. And also any flash flood water accumulation hails from outside the insured building.

Exclude the loss or damage caused by subsidence or landslip.
claim for flood damage
To complement the flood cover, the insured can also feature the subsidence 

The movement of solid floor slabs below the external walls of the buildings damaged by the same cause and occur simultaneously
Likewise, it is the same for occurring or in consequence of coastal and river erosion. Demolish or alter structure or repair, defective design, and poor construct foundations.
No liability for the insurer in respect of every and each loss, 5% of the entire sum insured or $25 000.00 whichever is that the lower, after applying the law of averages.

How to delete the exclusion clause on the claim for flood damage on a property

Of course, you can delete it paying a further premium of 25% loading.  Cover the outbuilding like the fence, gate, and walking path, dog kennel, and parking porch and swimming bath costs $500 000.00. Thus, you pay extra 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 ultimate total premium for the extension peril would be ($810.00 + 506.25) = $1 316.25

Claim for flood damage by Falling Trees or Branches and Objects

The victims acknowledged not only the house submerged with water. But also the falling branches and tree fall the car parked within the car porch causing severe damage. Generally speaking, an insured claim flood damage to the house, but not on the car itself. Why not on both the properties, the insured got to ask their agent for their unprofessional work.
How to claim flood damage for a property
A wise move to cover the building and your car with such peril. By having said that, although it’s a painful lesson learned.  Nevertheless, one can ensure this peril during subsequent 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 an excess of the $250.00 for every and any loss or damage. Don’t waste your precious time for the claim falls below $250.00. If the claim is $ 3 000.00, the insurer pays you $2 750.00 for the complete and final settlement of the claim. You bear your own cost of $250.00 for the claimed damage on your property.

Claim for flood damage on Removal of the debris (with the separated sum insured)

After the floodwater had receded, what a remain was a messy muddy floor. it’s an eyesore to ascertain floor carpet with mud, filthy muddy stagnant water. Life has got to continue. Has your ever think the cleaning process when hired workers to clean? What’s the value of this trying time? The cleaning company would demand an exorbitant fee for the laborious task which is in great demand. Does one check your policy for the removal of debris clause for the claim flood damage on your property?

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

People clean their houses affected by floodwaters following heavy rain in Bantul Regency, Special Region of Yogyakarta, Indonesia on March 18, 2019. Heavy rain hit most of the area in the Special Region of Yogyakarta on March 17, 2019. The heavy rain caused floods and landslides in Bantul Regency. Two people died from the incident. (Photo by Rizqullah Hamiid/NurPhoto via Getty Images)

Prior approval from the Insurer

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

No separated sum insured for the removal of debris 

If the insured doesn’t feature a separated sum insured for the removal of debris. The insurer will bear 10% liability for the entire sum insured. 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 within the policy.

Rent clause – to not 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 entire sum insured. Let say a monthly rental $2 000.00, loss of rental for six months can recover from an insurer of $12 000.00

b) Applicable to owner-occupier the premises, if the Penang flood destroyed the building, the insured got to find another alternative home for 1 year before a replacement home able to move in. The rental of an identical standard home cost $1000 per month, 12 months means the underwriter can pay $12 000.00 to the insured.

Claim for flood damage to a property

  • Stay claim, the insured shall make a police report first.
    Then, 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 isn’t available during the critical moment which quite a true fact in Malaysia, go straight to report back to the insurer directly.
  • Don’t ever seek or consult over the cafe with friends or acquaintances for an opinion.
  • Don’t waste your hard-earned money to hire rent a lawyer. As it may be a straightforward case, not a liability whereby you need to attend a court hearing.
  • Liaise with the independent adjuster arrange by the insurer, allow them to have a radical inspection of the entire scene, invite their approval for any minor repair to mitigate further loss.
  • Study closely the entire policy with the insurance broker for any exclusion of an excess clause. Any doubts please ask the insurer’s advice.
  • Take a video clip of the damaged item for the adjuster inspection. Keep all the minor repair receipts. The video clip is of utmost importance for the claim dispute.

Summary on Claim for Flood Damage

  • Duly completed sign original form with the repair invoice to the insurer and replica to the adjuster to expedite the claim. 
  • You make sure to have the acknowledgment of receiving the whole claim document by the insurance company. It is to avoid undue delay of not receiving your claim file.
  • Don’t sign any counteroffer by the insurer unless you’re fully satisfied with the ultimate claim.

Lastly, You’ll read more on how to claim flood damage for a property. 

How to Live in Paradise with Cash Endlessly

How to Live in Paradise with Cash Endlessly

How to Live in Paradise with Cash Endlessly

Extraordinarily insane, you would say the tile. In the first place, is it attainable? Had you ever read the book” The millionaires next door”. That super-rich lives in a frugal lifestyle sleep with a pile of cash sleeping on the pillow. In fact, they are living in Paradise with plenty of leisure time and traveling around the world, and of course, Cash. Indeed, the cash is King, with a tap of flow out cash endlessly. Let us unwrap the secret, there is no concealment.

How to Live in Paradise with Cash Endlessly


As can be seen, by yourself, what are you doing in the morning from Monday to Friday? Sadly, you would answer,” prepare to beat the traffic jam or stuff in the packed sardine train or bus compartment.” Is that what you have in the thought and learned in school or university? Anyway, we cannot blame you, but our education system.


“Oh, my dear, study hard and obtain a flying color result and find a good remuneration job when you are graduated” Does this statement ring a bell to you. ” Countless time” you reply.


Now, raise the question,” Do you want to live in Paradise with cash endlessly?” “Yes,” even the dummy would reply to you.


But, why are you still live in fortnight paychecks? You graduated with an Honors degree from an ivy varsity. Do you that Marketing is the highest reward career. In a nutshell, even corporate CEO rise from the Marketing Department.


Fear to talk to a stranger: Do you fear to ask a stranger when you cannot locate a place?


Job Security: Do your letter of appointment stated you are hired for your whole life?


Promotion: You determine your fast promotion.


Now, comes the serious question:-” what is a career”


Be own entrepreneur/Consultant

In the first place, had you ever think of setting up your own business? What is the initial capital outlay? Astonishing, it requires a vast sum at the beginning. Moreover, not to mention the numerous licenses need to apply. Time-consuming, isn’t it so? Furthermore, you need to burn some of your saved money vanishing into the thin with a few sales. Sadly to say, it cannot even cover the overhead expenses like maintenance fee, electricity, water, and wages.

Overall, you need a few years to have a breakeven that is speaking from own experience ventured into a logistic company over a decade. I did marketing followed my own lorry driver canvass from shop to factories. Helped my driver to load the cargo to gain 1st hand experience. Not to mention the working under the sultry hot sun with fast exhaustion, but also cultivated my determination and persistence in life.

“You are stupid!” “Why don’t you operate a retail shop? No sunburn and enjoy the cool breeze of the air-conditioned. Yes, this is true. I totally agreed with you.

However, do you think the customer will flock to your shop daily for a transaction? Are you an established brand store with a lot of cash flow? How long can you compete with them? Not only that, can you compete with an online store with a rocket bottom set up fee with the one-man show? Likewise, in the same manner, people prefer to buy online with good delivery at their door, avoid traffic jams and prickly heat.

But not to dismay, there is always a silver lining in the gloomy sky.

Why Marketing Industry – live in Paradise with cash


I closed the logistics company after ran over a decade. Of course, I did make a little fortune. The scarcity of honest and industrious driver couples with the raining toll cost. Moreover, it requires high maintenance of a fleet of Lorries, in addition to the stress in the wee hours of the morning.

“Boss, the lorry breaks down with a full load of cargo, please sent a spare lorry to transport the said to the port.” The driver’s call really drives me to nut interrupt my sleep.

Beside, ran a transport, I also did Corporative Marketing for a general insurer. I quitted the 9-5 job as a Business Development Manager after 5 years becomes a full-time marketer in the 1998 Asian Finance Crisis. Alas, I find out I could not recruit agents like the Life insurance industry. How sad!

I called and met my mutual fund consultant, without any question, I signed up with him in late November 2002, and sat he written examination in Dec 2002. A month later became a mutual fund consultant. The rest is history.


Flexible working Hour

I kissed the traffic jam forever goodbye. Gone are days earlier morning rush to beat the congestion hour. Moreover, most of the customers would busy with daily work with a tea break at 10 am. I plan my appointment schedule. I closed sell easily at the lunch hour or tea break, very informal style, In the case of marine or fire mega risk, I require to do with a quotation and a few follow-ups.

Financial Independent

In fact, most of us are a moron in finance aspects. Financial savvy is indeed lacking among the elite group of society like those professionals. Engineer, professor, lawyer and underwriter like me included. I was a dummy too. After closing a marine case, I dashed to purchase a Canon Camera with lens and accessories amounting to more than RM50k, and some spare went for a holiday for shooting. Not to mention the Sony video tagged along.

In the end, mutual or unit trust thought me never purchased a book written by a finance professor, it is all theory. In the same fashion, if they are so knowledgeable, why they still teach in the U. Don’t ever listen to their noble excuses “Because I like to impart knowledge”. Absolutely B.S! In fact, a mountain of mortgage debt to cater for even they retire.

So, what book you recommend to read? Look for a book by those authors who once broke and later raising up millionaires. Like books such as written by Robert Kiyosaki and Donald Trump “Why we want you to be rich”. Equally important is the books written by Tony Robbins for positive energy vibration to your brain. It transforms you from a pessimist to optimist.

Then, again, don’t venture into the share market unless you mastering the hedge fund. Your individual capital is a tiny drop of water in the ocean in comparison with the hedge fund player. Be wise; don’t fight with a sword with a bomb.

Types of Income

Frankly speaking, you toil hard for your company. How many types of income you entitled. Namely, you reward with a monthly salary, bonus, and allowance incentives like shift, meal, and transport. But in mutual, they are 8 kinds of income namely, commission, override commission, break bonus, parallel bonus, group bonus, year-end bonus, group overriding, and lastly the most important monthly career benefits. Uniquely, the career benefit only avails in the mutual trust industry, absence in life insurance. So, they are 8 types of income stream flow in your pocket.

Equally important is the career benefit, it flows cash endlessly even though zero sales for the whole year, so you can live in paradise. Which sectors pay you that? Just like the Cantonese saying “Where do you find edible frog jumping in the street?”

Publicity Announcement for Recognition of hard work

Ask yourself this question, “if you achieve your target” What your company rewarded you. “Just a trophy”

How to Live in Paradise with Cash Endlessly

But, here in the paradise living, they recognized your effort with incentive free oversea trip and publicized in the local daily newspaper with name and your image. Practically, you bring nothing except your body and personal items, the rest are catering for you with five-star services with ample delicious food. Of course, they dedicated travel guides to plan your smooth seamless tour. Plenty of leisure shopping time, you can shop like a fifth rich tycoon without the blinking of your eyelid. In fact, I added a few kilos in my belly in such a trip.

Loan Subsidies

To say nothing of, do you establishment gives loan subsidies with no string attached the tenure of working period. “Fat Hope, you can fly kite”.

In paradise living, you are giving 6.5% and 5% respectively for housing and car loan. Range from Rm100K the minimum to Maximum of RM 1million for the house. Depending on your ranking Agent supervisor maximum allows it is RM200k. Agent Manager RM500K and lastly the Group Agency Manager of RM 1million for the house.

The Car subsidy gives RM50K for supervisor, RM100K for manager and RM150k for Group Agency manager.

With the surplus cash, are you not living the paradise for up 70 years of age for a house and 10-year loan tenure for a car?

Noble Job

When you work for other people, you have enriched your owner getting rich, while you are getting poorer. Permanently disablement or bedridden, terminated is the only option for you. What a tragedy, your hard work in the past not appreciated. Is that so-called job security for life?

In paradise with cash flow endlessly, the public needs your guidance for financial savvy and freedom financially. Depend solely on active income is not financial freedom. Again, I narrated my own experience, I almost in bankrupt stages when I joined the industry with ¼ of million in debts. Never trust or greedy. Saves a little and invest in the heyday. Spend all the hard earn commission for the endless desire to want. That was the reason for my downfall.

Through unit trust and coupled with the practice of positive energy vibration learned from Master Tony Robbins. 4 summers lapsed; I purchased a house in cash.

Likewise, in the same manner, I guide one of the investors instead of saving in Fixed Deposit but invested in the unit trust. 8 years later, he purchased a condominium in cash at Johor Bahru. Not to mention, there is a surplus equally the same amount of the condominium price, isn’t it a noble job.

Training & Development

No matter, how skillful in your job, you need constant training. Otherwise, you are obsolete like the Kodak Film. Equally important in the mutual fund industry, always update the knowledge from the technical aspects to human touch. As we can see from the smartphone, it keeps on rolling out a new update version of new generation gadgets. Not to forget the digital apps application download from the company.

Invite the fund manager to share and update information, not only to a consultant but also to the unitholder. The company also paid generously to prominent outside speakers to spur the motivation in human touch and relation to consultants? What else could we ask for?

Be it a workshop or seminar, with full participation the consultant. Indeed, a joyful session.



If you are the department upon retirement, can you groom your child to take your position? Absolutely No, unless you work for your father company or you own, am I right?

But in this sector, you are grooming your child to take over your position even with a high school certificate for Group Agency Manager.

Unfortunately, if you are unable to groom your kid in time, but you’re next of kin would allow enjoying for cash flow endlessly for the next 5 years based on Nav. In the same way, will your boss treat you this way?


Build up Net asset value for Passive Income

Net asset value is the meaning. When your unit holder invests in a mutual fund, over the year, the accumulation unit of growth, despite the price is down.

Let us say the initial investment of RM100K with 25 cents per unit ignored the sales charge here which is insignificant over a period of 10 years. Thus, 400K units cost with an average price of 25 cents per unit. With distribution payout, initially, he 400K units accumulate 4 million units over 10 years period. Currently, the fear assault of the Covid-19, the price drop to 10 cents per unit. Unlike in the stock, unit trust, the longer you keep, the capital grows. Thus 4million unit x 10 = RM400 000.00. From 6 months later, you are enjoying the career benefit of monthly passive income endlessly without fail.

How to Live in Paradise with Cash Endlessly
How to Live in Paradise with Cash Endlessly


Gradually, your net asset values grow tremendously if the unitholder leaves for 30 years and later on passed it their children or grandchildren without any unnecessary redemption.

How to Live in Paradise with Cash Endlessly

No surprise, some top leaders earning more than RM100k from the career benefit of passive income. Indeed they are life on Paradise with cash flow endlessly.

Finally, could you buy your house in cash like those wealthy guys? Action speaks louder than a word, please call or WhatApps me now as shown in the video, so that you can live in paradise in cash endlessly.


Call or Whatapps Now + 60 013-7839857 or email me at [email protected]

How to Leverage Time for Passive Income while Working?

How to Leverage Time for Passive Income while Working?


Leverage Time for Passive Income while Working. So, now, any passive income ideas. Does anyone know?.   Uniquely, the rule of 5 implies that 5% of the fifth billionaires control 95% of the world asset today.  It fact, they have multi-sources pf passive income, Similarly, the balance of 95% world population owned a miserable 5% of the world’s wealth. Why is that so? A point to ponder, why this could happen to us, you asked. Had your ever rubbed shoulder or mingling with those billionaires or ambassador or even royalty for dinner or talk? I did. Having to say that, you hear the saying bird of the same feather always flock together, had you ever did that?

If not, why not starts it today tries to rub shoulder with the tycoon to get some of the fortune luck on you. Anyway, it would not cost you an arm or leg, remember the maxim goes “nor venture no gain.”

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

Years ago, I had an opportunity to have a chat with a Billionaire in celebration in the Taj Mahal at Bombay. My perception of the super-rich tycoon has erased, they are just like ordinarily folk on the street, down to earth humble and witty. They well versed all in any subject, and fully equipped with a sharp focus mind. Later on, he cordially invited to his tower block showroom, with his chauffeur in a limousine at the airport. In fact, I was then a varsity student who followed up with the first encounter at the party.

Friends, go all out to have a chat with them and you would gain practical firsthand knowledge which not taught at the ivory tower. By the same token, their advice is very useful in our future in career advancement or entrepreneurship.

How to Leverage Time for Passive Income while Working?

1st Lesson on Leverage of Time for Passive Income

Of course, the 1st lesson I learn from him, leverage your time. Remember that, our leverage prime is a peak at 30 plus, it is the optimum time to venture into business. Otherwise, the middle-aged man range from 40 + has no guts for business venture gradually diminishing. Our vision merely left with the comfortable and blissful home image of raising the kids. By the time, we have passed a half-century mark; the adenine spirit completely already gone. Followed by another decade, with a sickening body, do you any energy left to venture out your comfort zone.

With one leg above to step into a grave, do you have many summers to come? After retirement, enjoy life with friends or family members. Doubtfully, some fight for their lives in the ICU of the hospital or old folk home or even worse ash to ash. Again is the called life living with a purpose?

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?


By virtue of the fact, each of us has only 24 hours a day, another 8 hours of sleeping, 8 hours leverage our prime to be a money slave or your boss printing money machine. Meals time occupy at least an hour a day for a comfortable 3 meals, travel time to work consume 2 hours or even more than 3 hours depending on the city or town you are living in. The daily routine occupies another hour, how much time left to spend with your love? In reality, your gadget like a smartphone steals away your precious time for no less than 2 hours a day. Is that the life you desire for?

Honestly speaking, you are another zombie or robot living aimlessly without tomorrow. If you don’t change your mindset the way you are, in the pathetic situation. Nobody will! It is never too late to start, better late than never!

How to Leverage Time for Passive Income while Working?

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

Use Money to Buy Time

In the first place, we are the entire milking cow to the owner of the company. Likewise is the same to your superior often we refer as “boss”. How much is your secret remuneration versus final the profit taking by the real owner ratio 1: 10 or 100? In like manner, if your wages are $1000 a month, you have indeed enriched the owner with another $10000, or even $100,000.00. Isn’t it sad?

You sell your prime time or youth to them, you received a peanut reward by the month-end. Not to mention the stressful working that leads to the long term illness like heart disease or paralysis or bedridden. Is that your ultimate want?

It is an active income. If you sick confined to a nursing home for 2 years, do you have a good Samaritan continue paying 2 years wage to you or issue a walking letter?

By the same token, can we copy the successful people with wealth and plenty of leisure time, do whatsoever they please? Yes, we can. Likewise, we duplicate the style by using money to buy time to our own advantages. Scrupulous, you would say. But we can do it legal timely and consciously in this unfair world. But how you ask? Ask, is the simple advice. Use your mouth to ask the wealthy people if you have the chance. If you an introvert person, please read the book by American President Donald Triumph, “We want you to be Rich” Have you find the answer you should.

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

What is Passive Income?

What the heck with Passive Income? Do have any monthly passive income without working while you are on holiday or even sleeping? Do you have multi-stream of passive income of which you are not actively involved? The old way of derived such from rental, dividend yield from stock and lastly the interest from fixed deposit.

In light of the digital era, passive income has a new evolution like earning via affiliate program like Amazon, and they are thousands of such link. You can set up your own website or blog or even social media like Facebook, Twitter. To build a website is by no mean time consuming and require an in deep knowledge of the WordPress. But don’t worry, money can do the work for you, outsources to Fiverr at the friction of a one-month smartphone bill. The basic website you should for a start, more comprehensive as the times go by. Remember the maxim goes “Roma was not built in a day”

Passive Income Idea via Drop Ship

Likewise, it is identical to building an e-commerce website for the dropshipping store. Would you shock to learn that a marketing genius named Ben Francis at the age of 19 in 2012 founded at his mother’s garage? He was a drop Out from Aston University. moved from a failed e-commerce platform to Shopify. In 2019 it has since posted nearly $130 million in sales. With a 50% net profit margin, that translated into a whopping $ 65 million a year. Isn’t that astonishing and incredible earning with just a laptop traveling around the world?

Overall, drop-ship or e-commerce platform is a trendy phenomenon now, you either join the crowd or consequently phased out by the wave of time.

In fact, successful people dare to dream, failure is the next step to succeed, never give up, with determination and persistence. Darkness soon vanished, bright sunshine awaiting you.

As shown above, it could be a pipe dream for us. It is possible, not a miracle. In the Artificial Intelligent period, people earning billions of dollars in such a short span of time. To name a few, Amazon founder Jeff Bezos and Jack Ma of Alibaba.

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

How to Leverage Time for Passive Income while Working?

So, why are you waiting for, Remember the maxim goes, “Thousands of miles begin with the first step” and also, “No venture No gain”? U can then link to build your first e-commerce platform in the link in the formatted.

No confidence, you can learn the thousand in the Udemy course from the beginner to advanced level. Of course, you can learn at your own pace with no hurry. You name it; they can provide and cater to your specified interest. Moreover, some instructions are extremely great help to students. They take great pain to solve your problem. In addition, the aid of a virtual assistant not to gotten to mention.