{"id":9329,"date":"2025-12-11T09:59:59","date_gmt":"2025-12-11T02:59:59","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9329"},"modified":"2025-12-11T09:59:59","modified_gmt":"2025-12-11T02:59:59","slug":"menghitung-kerusakan-sumatera-2025-potret-lengkap-kerugian-manusia-dan-material","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/menghitung-kerusakan-sumatera-2025-potret-lengkap-kerugian-manusia-dan-material\/","title":{"rendered":"Calculating the Damage to Sumatra in 2025: A Complete Portrait of Human and Material Losses"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Dear readers and L&amp;G Friends, as we enter this third installment, we once again invite you to take a closer look at the devastating impact of the floods and landslides in Sumatra. Having understood the natural causes and exacerbating factors of the disaster, we now explore the real damage left behind. Behind every loss figure are families who lost their homes, children who lost their schools, and communities who lost their livelihoods. With empathy, we attempt to illustrate the breadth of this tragedy&#8217;s impact so that we can learn from it and strengthen our collective preparedness.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a small hillside village in West Sumatra, a child stands in front of the remains of what was once his home. Half a wall remains, a mattress has been swept away, and schoolbooks have been lost in the overflowing river. Around him, neighbors wade through the mud, searching for anything salvageable. Some search for motorbikes, others for important documents, and still others for family members.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The massive floods and landslides that struck Sumatra from late November to December 2025 not only damaged buildings and infrastructure but also devastated human lives in the most profound sense. The losses were not mere figures, but stories of loss, grief, and the struggle to start over.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this third article, we will inventory the impacts of disasters across multiple dimensions\u2014loss of life, environmental damage, local economic collapse, and the magnitude of the losses incurred. The goal is not to add to the grief, but rather to objectively understand the scale of disasters so we can prepare for better mitigation and protection in the future.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">I. Impact on Humans: Wounds That Last Longer Than Water<\/span><\/h3>\n<ol>\n<li><b> Casualties and Missing Persons<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Data from local governments and BNPB shows that in the first week of December 2025:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hundreds of people died<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hundreds more are still missing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thousands were injured<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Many of the victims died due to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strong flash flood currents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A house that collapsed and buried its occupants<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A large landslide hit a settlement on a hillside<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In some areas, the disaster came so quickly that residents did not have time to evacuate.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Physical Disabilities: Long-Term Impacts That Are Often Overlooked<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Many victims experience:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss of a limb<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spinal cord injury<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Severe injuries requiring surgery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physical and psychological trauma<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Disabled victims face long-term challenges\u2014medical care, job loss, and difficulty navigating daily life.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Diseases and Health Impacts<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Major disasters are almost always followed by a health crisis:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Skin infection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diarrhea and vomiting and diarrhea<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Leptospirosis<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ARI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trauma mental<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Crowded refugee camps increase the risk of disease transmission.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Children Who Have Lost Their Parents<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">One of the most heartbreaking impacts is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Children who have lost their mother or father<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Babies separated from their families<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Students who lost friends, teachers, and school<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">They not only lost their protector, but also a stable future.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Infrastructure Collapse: When the Backbone of the Economy Collapses<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The 2025 Sumatra disaster caused major damage to the basic infrastructure that is the foundation of people&#8217;s lives.<\/span><\/p>\n<ol>\n<li><b> Houses and Settlements<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">It is estimated that tens of thousands of houses suffered minor to total damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the average construction cost of a simple house being Rp. 150\u2013250 million, the value of losses can reach trillions of rupiah from the housing sector alone.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Schools and Educational Facilities<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Hundreds of schools were damaged due to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submerged in water 1\u20132 meters high<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The wall collapsed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missing learning equipment<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The damage to schools impacted hundreds of thousands of students who were forced to study in emergency situations.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Hospitals, Community Health Centers, and Clinics<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Flood damage:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laboratory<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drug installation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High value medical devices<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Repairing health facilities is expensive, and the recovery process often takes months.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Road and Bridge Infrastructure<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The damage to transportation infrastructure was one of the most severe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Example of loss estimation:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One large bridge was completely damaged \u2192 Rp. 50\u2013150 billion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provincial road sections broken \u2192 Rp. 5\u201330 billion per kilometer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Landslide blocks main road \u2192 cleanup costs Rp 500 million \u2013 2 billion<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Transportation is paralyzed, logistics are hampered, and the wheels of the economy have come to a standstill.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Power Plants and Distribution Substations<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Floods cause:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Turbine damage to the power plant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transmission disturbance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submerged distribution substation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The value of damage to the energy sector is estimated to reach hundreds of billions of rupiah.<\/span><\/p>\n<ol start=\"6\">\n<li><b> Telecommunication Network<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Damage includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telecommunication tower collapsed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fiber optic cable broken<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BTS is not working<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each BTS tower has an investment value of IDR 2\u20134 billion, not including the electronic equipment inside.<\/span><\/p>\n<ol start=\"7\">\n<li><b> Places of Worship, Sports Stadiums, and Tourist Attractions<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Floods know no boundaries:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mosques and churches submerged<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The stadium is damaged<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tourist attractions lose facilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Parking lot and supporting buildings damaged<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The social and cultural sectors were also paralyzed.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Damage to the Economic Sector: From Rice Fields to Factories<\/span><\/h3>\n<ol>\n<li><b> Agriculture, Rice Fields, and Farms<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Thousands of hectares of rice fields failed to harvest. Mud covered:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paddy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corn<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rubber plantations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">oil palm plantation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Losses are estimated to reach hundreds of billions to trillions of rupiah, depending on the region.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Markets, Shops, and Shophouses<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Many traders lose:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stock of goods<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Etalase<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inventory<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cooling machine<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cashier system<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The losses in the MSME sector are very large because the majority do not have capital reserves.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Factories and Industrial Areas<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Floods cause:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Industrial machine broken<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submerged raw materials<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finished product lost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Production stops completely<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thousands of workers are out of work<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each large factory can incur losses of Rp. 20\u2013200 billion depending on the type of industry.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Modern Shops, Malls, and Hotels<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This facility suffered huge losses due to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High value interior damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electrical and central AC failure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic panel damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Decrease in occupancy<\/span><\/li>\n<\/ul>\n<ol start=\"5\">\n<li><b> Vehicles: Motorbikes, Cars, and Trucks<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">It is estimated that tens of thousands of units were damaged by the flooding.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Average loss per unit:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motorcycle: Rp. 5\u201310 million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Car: Rp. 20\u2013200 million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trucks: Rp. 300 million \u2013 1 billion<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Total losses in the vehicle sector: trillions of rupiah.<\/span><\/p>\n<ol start=\"6\">\n<li><b> Mobile Phones &amp; Electronic Goods<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Mass damage occurred at:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mobile phone<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laptop<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">TV<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Camera<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Household appliances<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The value of losses in the electronics sector: hundreds of billions of rupiah.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Estimated Total Loss: How Much?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Based on previous national disaster patterns, here is a comparison:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2018 Palu Earthquake \u2192 Rp 13.8 trillion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2020 Jakarta Floods \u2192 Rp 5.2 trillion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2019 Sentani Flood \u2192 &gt;Rp 1 trillion<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Considering the extent of the affected area, the type of damage, and the amount of strategic infrastructure destroyed, the conservative estimate for the 2025 Sumatra Flood-Landslide is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum Estimate: Rp 10\u201315 trillion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Realistic Estimate: Rp 20\u201325 trillion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Worst case estimate: could reach Rp 40 trillion<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This value includes damage to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Infrastructure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Houses and buildings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agriculture and industry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Public facilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Large commercial and industrial assets<\/span><\/li>\n<\/ul>\n<p><b>High Value Assets Affected<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Some strategic assets that are likely to be impacted:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Industrial areas in North Sumatra<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Palm oil processing factory<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Logistics warehouse<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Power plant installation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provincial road and bridge construction projects<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hotels and shopping centers in big cities<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Damage to assets worth billions to hundreds of billions of rupiah per location has increased the total loss significantly.<\/span><\/p>\n<p><b>How Great a Loss We Have to Bear<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The 2025 Sumatra disaster wasn&#8217;t just about moving water and land, but about lives changed in an instant. Homes were lost, families separated, livelihoods destroyed, and the future uncertain. The material losses can be measured, but the emotional and social toll will be felt far longer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, rebuilding is not only the government&#8217;s task, but a shared task \u2014 the community, the business world, humanitarian agencies, and the insurance industry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the fourth article, we will discuss how insurance coverage can provide protection and assist the post-disaster recovery process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>\n<p><b>DON&#8217;T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.<\/b><\/p>\n<p><b>HOTLINE L&amp;G 24 JAM:<\/b><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"><b> 0811-8507-773<\/b><\/a><b>(CALL \u2013 WHATSAPP \u2013 SMS)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Website:<\/span><a href=\"http:\/\/lngrisk.co.id\"><span style=\"font-weight: 400;\"> lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:halo@lngrisk.co.id\"><span style=\"font-weight: 400;\">halo@lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Dear readers and L&amp;G Friends, as we enter this third installment, we once again invite you to take a closer look at the devastating impact of the floods and landslides in Sumatra. Having understood the natural causes and exacerbating factors of the disaster, we now explore the real damage left behind. Behind every loss figure [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9330,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,31],"tags":[114,1488],"class_list":{"0":"post-9329","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-asuransi-bencana-alam","8":"category-nasional","9":"tag-asuransi-bencana-alam","10":"tag-banjir-sumatra"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9329","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9329"}],"version-history":[{"count":1,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9329\/revisions"}],"predecessor-version":[{"id":9331,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9329\/revisions\/9331"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9330"}],"wp:attachment":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9329"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9329"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}