torm & Tempest Cover Under Fire Insurance – What Is Covered and What Is Not?

by Admin

When strong winds, storms, or severe weather strike, many homeowners assume that any damage caused by the storm will automatically be covered under their Fire Insurance policy.

However, that is not always the case.

👇 Refer to the illustration below

Most standard Fire Insurance policies do not automatically include Storm, Tempest, Hurricane, Cyclone or Windstorm cover.

To obtain this protection, policyholders may need to add Storm & Tempest cover as an extension to their Fire Insurance policy, depending on the insurer and policy wording. Some HouseOwner Insurance policies may already include this coverage.

When included, this additional cover generally protects the main building structure against storm-related damage.

✅ Commonly Covered

Damage to the main building structure such as:

• Roof
• Ceiling
• Walls
• Main building structure

For example, if strong winds damage your roof and rainwater enters the house, the resulting damage to the insured building may be claimable, subject to the policy terms, conditions and exclusions.

❌ Common Exclusions

Storm and Tempest cover does not necessarily protect everything located outside the house.

Common exclusions may include:

• Gates
• Fences
• Awnings / Canopies
• Blinds
• Signboards
• Metal smoke stacks
• Buildings under construction, reconstruction or major renovation

These items may require additional coverage or policy extensions, depending on the insurer and policy wording.

💡 Always Check Your Policy Wording

Insurance policies can differ from one insurer to another.

Before assuming that storm damage is covered, it is important to review the policy wording, schedule and any extensions that may apply to your property.

Understanding what is covered — and what is not covered — can help prevent unpleasant surprises when making a claim.

If you are unsure whether your current Fire Insurance policy includes adequate Storm & Tempest protection, speak to your insurance adviser for a policy review.

Not all policies provide the same coverage. Always refer to your policy wording for the exact terms, conditions and exclusions applicable to your insurance policy.

Real Burglary Claims: Why Home Insurance Matters

by Admin

Most homeowners believe burglary only happens to other people.

Many homes have security grilles, strong locks, nearby neighbours, or even guard dogs. These measures certainly help, but unfortunately, they do not guarantee that a burglary will never happen.

The photographs below are taken from actual burglary claim cases handled by our office. They involve different homeowners, different properties, and different insurance policies.

Forced Entry Can Cause Significant Damage

In these cases, burglars forced their way into the homes by damaging security grilles, door locks, and entry points.

Apart from the loss of personal belongings, homeowners were also faced with repair costs for damaged doors, locks, frames, and grilles.

Many people only think about stolen items when they hear about burglary. However, the cost of repairing the damage left behind can also be substantial.

A Real Claim Example

One of the burglary claims resulted in a compensation payment of RM6,680.

The annual premium for the policy was only RM269.72.

Although insurance cannot prevent a burglary from happening, it can help reduce the financial burden when an unfortunate incident occurs.

The Common Problem: Underinsurance

Over the years, whenever we ask homeowners whether they would like to review their contents sum insured, a common reply is:

“There is nothing valuable in my house.”

However, when we actually add up the value of household contents, the amount is often much higher than expected.

Consider the value of:

• Televisions
• Refrigerators
• Washing Machines
• Air Conditioners
• Furniture
• Computers
• Mobile Devices
• Kitchen Appliances
• Personal Belongings

Most families gradually accumulate these items over many years.

In one of the burglary cases, the homeowner later realised that the contents coverage was lower than the actual value of the household contents. While the claim payment helped reduce the financial loss, the experience highlighted the importance of maintaining an adequate sum insured.

Since then, the homeowner has reviewed and updated the coverage regularly as new furniture, appliances, and household items were added to the home.

Your Home Changes Over Time

Insurance agents can recommend suitable protection, but only homeowners truly know what is inside their homes.

As years pass, families purchase new furniture, renovate their homes, replace appliances, and accumulate more belongings. The value of household contents today may be very different from what it was five or ten years ago.

Reviewing your Home Insurance regularly helps ensure that your coverage keeps pace with those changes.

Being Careful Is Important. Being Prepared Is Better.

Having security grilles, strong locks, alarm systems, CCTV cameras, neighbours nearby, or even guard dogs can certainly reduce the risk of burglary.

However, burglars are often patient and constantly looking for opportunities.

We may be careful, but burglars are also careful in waiting for the right opportunity.

While no one expects a burglary to happen, being financially prepared can make a significant difference when it does.

Final Thoughts

Home Insurance is not only about protecting your house against fire, lightning, or floods.

It also provides valuable protection against burglary-related losses and property damage, helping homeowners recover financially after an unexpected event.

You may not be able to stop every burglary, but you can reduce the financial consequences when it happens.

The question is not whether burglary can happen.

The question is whether you are adequately protected if it does.