PIAM Assures Insurance Industry Will Expedite Putra Heights Fire Claims

The general insurance industry PIAM, said they are expediting the claims process for all eligible motor, personal accident, retail fire, homeowners or householders’ insurance policyholders affected by the Putra Heights explosion to ensure prompt financial relief.

Affected policyholders have been advised to contact their respective insurers for assistance and guidance on claims procedures and coverage details the soon as possible, even if they have not been able to return home. PIAM said the support is available directly through insurers, via agents and brokers, or through existing online platforms such as the Digital Roadside Assistance application (DRA).

“We recognise the emotional and financial toll this tragic event has had on families and business owners. Our industry is committed to making the claims process as smooth as possible, ensuring policyholders receive the assistance they need. We are anticipating a large number of claims as property and vehicle owners begin to head back to the affected area and are prepared to support them every step of the way,” said Ng Kok Kheng, Chairman of Persatuan Insurans Am Malaysia.

PIAM said it is collaborating closely with government authorities and agencies, including Bank Negara Malaysia, and key stakeholders to ensure that those affected by the fire receive timely and necessary financial support.

How to initiate claims: first contact the insurer as soon as possible to initiate a claim and seek guidance on the claims process. Before you start your clean-up, document the damage with photos and videos to support an insurance claim.

Make a list of damaged items, including their brand, model and serial numbers, if you can for your household content.

Obtain written approval from your insurer before proceeding with any house repair, including emergency work, as unauthorised work may not be covered by your homeowner policy/certificate.

How should policyholders approach the claims process?

Contact your insurer as soon as possible, as coverage terms may vary. Below are key
areas of cover.

• Fire Damage Coverage: Covers damage from direct burning, heat, smoke, and extinguishment water, which can affect nearby properties.
• Homeowners (HO/HH) Policy: Covers damage from explosion, including gas pipeline explosion incidents, with compensation based on rebuilding costs.
• Commercial Fire Policy: Coverage for explosion depends on policy terms, with compensation based on rebuilding costs.
• Medical Health Insurance Policy: Covers medical treatment for injuries sustained due to the incident.
• Personal Accident Policy: Provides coverage in case of permanent disablement or death. Claims can be filed by the insured or their next of kin.
• Comprehensive Motor or Third-Party Fire and Theft Policy: Covers fire-related damage to vehicles.

For any clarifications, PIAM advises policyholders to consult their agent or directly with their insurer, as coverage terms may vary between insurance providers.