{"id":8712,"date":"2025-10-24T21:00:51","date_gmt":"2025-10-24T14:00:51","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8712"},"modified":"2025-10-24T21:00:51","modified_gmt":"2025-10-24T14:00:51","slug":"ekspedisi-gudang-cakung-terbakar-oktober-2025-kesalahan-klaim-property-all-risks-yang-harus-anda-hindari","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/ekspedisi-gudang-cakung-terbakar-oktober-2025-kesalahan-klaim-property-all-risks-yang-harus-anda-hindari\/","title":{"rendered":"Cakung Warehouse Expedition Burns Down in October 2025: Mistakes in All Risks Property Claims You Should Avoid"},"content":{"rendered":"<p><b>Liga Asuransi<\/b><span style=\"font-weight: 400;\"> &#8211; A fire that engulfed a shipping warehouse in the Cakung area of \u200b\u200bEast Jakarta in October 2025 was one of the events that reiterated the importance of adequate insurance protection in the business world. The fire, suspected to have been caused by an electrical short circuit, engulfed much of the storage area, destroying customer inventory, operational equipment, and even delivery vehicles. Material losses were estimated at half a billion rupiah, not including potential lost revenue due to the disruption of logistics operations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, what is interesting is that quite a few similar business actors are starting to ask:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">&#8220;What if a fire like this happened in my warehouse? Would insurance really pay?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This question is not without merit. In practice, many warehouse owners or tenants still don&#8217;t understand the details and limitations of their Property All Risks (PAR) policies\u2014the type of insurance that should protect them from the risks of fire, explosion, and disaster damage. As a result, when disaster strikes, they find themselves trapped in a slow claims process, with documents rejected, or even losing their right to compensation entirely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Cakung case serves as an important reminder for the logistics and warehousing industry in Indonesia: having a policy doesn&#8217;t end your responsibility to protect your business assets. In fact, understanding claims procedures and common mistakes is a determining factor in whether you receive full compensation or not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will delve deeper into the important lessons learned from the Cakung Expedition Warehouse fire, while also highlighting common Property All Risks claim mistakes that business owners often overlook, so you can be better prepared if a similar risk befalls your business.<\/span><\/p>\n<h3><b>Chronology and Economic Impact of the Cakung Case in 2025<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">At nightWednesday, October 15, 2025, around8:30 PM WIB, local residentsCakung Cilincing Timur Road, Pulogebang, East JakartaThey were startled by thick smoke billowing from one of the shipping warehouses. The fire quickly spread, engulfing stacks of cardboard boxes and flammable customer shipments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Firefighters received reports at around 8:45 PM WIB, and immediately deployed 12 fire trucks with 60 personnel to the location. The extinguishing process was quite difficult because the fire had spread to the center of the warehouse, which was full of flammable materials. After almost two hours of struggle, the fire was finally extinguished at around 10:40 PM WIB.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lucky, no casualties, However The loss is estimated to reach around Rp. 500 million., including damage to warehouse buildings, logistics equipment, and customer property. Based on the results of the preliminary investigation,the cause of the fire was an electrical short circuit in the lighting area inside the warehouse.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For shipping companies, this incident is a heavy blow towards the end of the year, a period where shipping volumes usually increase rapidly due to the momentum of year promos, Black Friday, and Christmas-New Year preparationsMany customers were forced to delay or cancel shipments, while warehouse owners faced time-consuming physical and administrative recovery processes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">More profoundly, this incident raises broader economic impact:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business partners lose timely supply of goods,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The customer demanded compensation for the damaged package,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Operational costs soared due to having to find a replacement location,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">And most companies face uncertainty regarding whether their insurance will actually cover the loss.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">From this it is clear that fire is not only a physical disaster, but alsofinancial and reputational disasterThis is especially true for shipping and logistics companies that rely on speed and customer trust.<\/span><\/p>\n<h3><b>Smart Steps to Manage All Risks Property Claims to Avoid Rejection<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">After a disaster like a fire, many warehouse owners are confused: where to start, who to contact, and how to ensure their claim is accepted by the insurance company. However, the initial steps taken after the incident can be crucial in whether a claim will be approved or rejected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a step by step guide to the claims process.Property All Risks (PAR)You went smoothly and the end result was as expected.<\/span><\/p>\n<h4><b>1. Report the Incident Immediately<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Once an incident occurs \u2014 whether a fire, explosion, or other damage \u2014report immediately to your insurance company or broker. Ideally in timemaximum 3&#215;24 hours.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Use an official email or written letter to have proof of reporting that can be shown during an investigation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you use the services insurance broker, just contact them \u2014 the broker will forward the report to the insurer and help prepare all the necessary documents.<\/span><\/p>\n<h4><b>2. Secure the Location and Prevent Additional Damage<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Don&#8217;t let the situation get worse.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Once the fire is extinguished or the incident is under control,secure the area and prevent excessive cleaning efforts before the surveyor arrives. Insurance may reject a claim of evidence of damage lost or changed without permission.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Prepare Complete Claim Documents<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Administrative completeness is key. Documents typically required include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Police report or fire report from the fire department,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Photos of the conditions before and after the incident,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">List of damage and estimated losses,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of ownership or purchase of the damaged item,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Last insurance policy and endorsement,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chronology of events letter from the company.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Minor mistakes like policy number discrepancy, missing documents, or incomplete signatures can slow down or even fail your claim.<\/span><\/p>\n<h4><b>4. Coordination with Loss Adjuster and Surveyor<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Typically, the insurance company will appoint a loss<\/span> <span style=\"font-weight: 400;\">adjuster<\/span> <span style=\"font-weight: 400;\">to assess the reasonable extent of the loss. This is where the role of <\/span><b>insurance brokers becomes important<\/b><span style=\"font-weight: 400;\">\u2014 the broker will accompany you throughout the investigation process to ensure that all findings remain fair and in accordance with the contents of the policy.<\/span><\/p>\n<h4><b>5. Keep Communication Records<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Keep all evidence of communication: emails, reports, and meeting notes with the insurance company. If differences in interpretation or disputes arise over the claim amount, these documents can be used as evidence.The main weapon to uphold your rights.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Handling a claim can be a long and tiring process. But with the right guidance and professional support, you can&#8230;turning disaster into rapid and measurable recovery.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers like L&amp;G Insurance Broker are experienced in handling various major claims cases, including warehouse fires, factory damage, and operational disruptions due to disasters. With more than 30 years of experience in the Indonesian insurance industry, L&amp;G can help ensure your claim is processed quickly, accurately and fairly.<\/span><\/p>\n<h3><b>The Role of Insurance and Insurance Brokers in Protecting Business Property Assets<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The Cakung fire highlights one important fact: simply having an insurance policy isn&#8217;t enough. Many companies have signed insurance contracts for years, but when disaster strikes,claims stalled due to misinterpretation, lack of documentation, or miscommunication between the insured and the insurer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is the point where the role insurance companies and insurance brokers be very different but complement each other.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>The Role of Insurance Companies<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Insurance companies are financially responsible for the risks covered by the policy. However, their responsibility is only active after the risk is guaranteed to occur and all policy requirements are met.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their main functions include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assess and accept risks based on the proposal submitted,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Determine premiums according to risk level,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay claims according to policy provisions,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conduct surveys and investigations to ensure the validity of claims.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, because insurance companies have a position as insurer, then they will always be careful \u2014 even tend to look for administrative loopholes if there is something that is not right in the claims process.<\/span><\/p>\n<h4><b>The Role of Insurance Brokers<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Here it is, insurance brokers play an important role.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Unlike agents who represent insurance companies, brokers act as a representative of the insured (client).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They serve to ensure that your rights as a policy owner are protected.fully fulfilled.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The role of a broker includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Analyze business risks and recommend the most appropriate type of policy,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare multiple offers from different insurance companies,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assist in drafting policy wording so that there are no loopholes that are detrimental to the insured,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accompanying the claims process \u2014 from reporting, document preparation, to negotiating the compensation value,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Become an independent advisor which is in the interests of customers.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In other words, Brokers are not just insurance sellers, but strategic partners in risk management.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">They understand how the world of underwriting and claims works, and are able to bridge communication between customers and insurance companies in a professional manner.<\/span><\/p>\n<h4><b>Real Example in the Cakung Case<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If the owner of the expedition warehouse in Cakung has an active insurance broker, it is likely that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim reporting is done in a timely manner,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Documents and proof of damage are prepared properly,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negotiations on compensation proceed more quickly,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">And the company does not lose operational momentum due to delays in claims payments.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Conclusion and Recommendations<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Case expedition warehouse fire in the Cakung area in October 2025 serve as an important reminder to the business world that having a Property All Risks (PAR) policy alone does not guarantee comprehensive protection if not accompanied by proper claims management. Many companies experience major losses not because they are not insured, but because incorrect claims procedures, lack of documentation, and poor communication with the insurance company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this incident, several warehouse tenants and owners of goods experienced difficulties in the claims process, ranging from late reporting to differing interpretations of policy clauses. As a result, claim payments are delayed or even fall short of expectations. This demonstrates the importance of support from professional insurance brokers, which can ensure that the insured&#8217;s rights are carried out in accordance with the policy provisions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance brokers act as independent intermediaries and advisors between clients and insurance companies. They help from the very beginning\u2014fromrisk analysis, insurance value adjustments, and claim assistanceIn a major case like the Cakung fire, the presence of a broker can be the difference between a claim that is \u201cstalled\u201d and one that is \u201cpaid in full.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udcde Contact L&amp;G Insurance Broker at <\/span><a href=\"https:\/\/www.google.com\/search?q=l%26g+insurance+brokers&amp;sca_esv=4c6e5173cbbd1641&amp;sxsrf=AE3TifPPbV_DPFhOFVd1pWL7A9u0W-z9_w%3A1761296479044&amp;source=hp&amp;ei=X0D7aLJU9LPj4Q_ti9qJCQ&amp;iflsig=AOw8s4IAAAAAaPtOb-gHKM1ZpsGYHAunuelPNm8lb92q&amp;oq=l%26g+insur&amp;gs_lp=Egdnd3Mtd2l6IglsJmcgaW5zdXIqAggAMgoQIxiABBgnGIoFMgoQIxiABBgnGIoFMgQQIxgnMhEQLhiABBjHARjLARiOBRivATIIEAAYgAQYywEyCBAAGIAEGMsBMggQABiABBjLATIIEAAYgAQYywEyCBAAGIAEGMsBMggQABiABBjLAUjuElAAWJgMcAB4AJABAJgBtwGgAeUHqgEDNi4zuAEDyAEA-AEBmAIJoAKnCMICDRAjGPAFGIAEGCcYigXCAgsQLhiABBixAxiDAcICCBAuGIAEGLEDwgIFEAAYgATCAhEQLhiABBixAxjRAxiDARjHAcICDhAuGIAEGLEDGIMBGIoFwgIOEC4YgAQYxwEYjgUYrwHCAgsQLhiABBjRAxjHAcICBxAAGIAEGArCAgoQABiABBixAxgKwgINEC4YgAQYxwEYChivAZgDAJIHAzUuNKAH55QBsgcDNS40uAenCMIHBzAuMS43LjHIBzM&amp;sclient=gws-wiz#\"><span style=\"font-weight: 400;\">0811-8507-773<\/span><\/a><span style=\"font-weight: 400;\"> for a free consultation and find insurance solutions that protect your assets, reputation and business future.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Liga Asuransi &#8211; A fire that engulfed a shipping warehouse in the Cakung area of \u200b\u200bEast Jakarta in October 2025 was one of the events that reiterated the importance of adequate insurance protection in the business world. The fire, suspected to have been caused by an electrical short circuit, engulfed much of the storage area, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8713,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[247,1399],"class_list":{"0":"post-8712","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-risk-recommendation","8":"tag-asuransi-properti","9":"tag-gudang-cakung-terbakar"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/8712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=8712"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/8712\/revisions"}],"predecessor-version":[{"id":8714,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/8712\/revisions\/8714"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/8713"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=8712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=8712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=8712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}