Flooding has become a seasonal challenge in Malaysia, with heavy rains causing widespread disruption to homes, vehicles, and businesses across the country. Early December, the east coast of Peninsular Malaysia experienced rainfall over five days that exceeded expectations, leading to severe flooding and large-scale evacuations in Kelantan and Terengganu. 

The increasing unpredictability of floods’ calls for better preparedness and swift recovery measures. Technology is playing a growing role in helping Malaysians manage the challenges posed by floods, from streamlining claims to offering real-time assistance. With digital tools and practical advice, insurers like Liberty General Insurance (Liberty) support policyholders through these challenging times.

Here are some ways digital tools can make a difference in flood management and recovery:

1) Faster and More Transparent Claims Processing

Filing an insurance claim after a flood can be daunting, especially during such a stressful time. With digital platforms, claims can now be managed more efficiently and more transparently. For instance, Liberty’s One Touch app allows policyholders to:

• Document damage quickly: Upload photos of affected areas for faster assessment.
• Track claims in real-time: Stay updated on the status of your claim at every stage.
• Receive timely resolutions: Digital tools minimise delays, enabling quicker support when it matters most.

By reducing administrative hurdles, these advancements make it easier for affected individuals to focus on recovery.

2) Roadside Assistance When It’s Needed Most

Floods can cause significant disruption to roadways, not only delaying journeys but also leaving vehicles stranded in unsafe conditions. Whether caught in rising floodwaters or dealing with a vehicle breakdown due to heavy rain, roadside assistance can be a crucial lifeline.

Liberty’s policyholders have access to:

• Towing services: For vehicles stranded in floods, towing can be requested directly through the One Touch app, ensuring the vehicle is relocated to safety.
• Emergency roadside support: Whether a jumpstart or assistance with a flat tyre is needed, help is readily available with just one touch via the app, offering reassurance even during prolonged rainy spells.

3) Personalised and accessible customer support

Dealing with the aftermath of floods can be challenging, and many policyholders often need guidance. With Liberty, policyholders can access customer support through both online platforms and the helpline, ensuring help is always available when needed.

4) Practical guidance for policyholders

While technology plays a vital role during and after floods, such as streamlining claims and providing roadside assistance, it can also support proactive flood preparation. Combining digital tools with practical steps can help reduce risks and simplify recovery. Here are some suggestions:

• Monitoring weather updates: Use reliable weather apps to stay informed about flood risks in your area.
• Reviewing your insurance coverage: Check your policy details online or through the insurer’s app to ensure it includes flood damage protection for homes and vehicles.
• Documenting your property: Leverage your smartphone or other digital tools to take clear photos of your belongings for potential claims.
• Keeping receipts: Store proof of emergency repairs or purchases digitally, using apps or online folders, for easy access and submission during claims processing.

As floods continue to disrupt lives across Malaysia, Liberty is working seamlessly to ensure efficient claims handling during emergencies. By streamlining claims submission and enhancing communication, digital tools help Liberty align with the General Insurance Association of Malaysia’s industry-wide goals. These innovations ensure policyholders receive the timely support they need to recover effectively during critical times.

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