{"id":9299,"date":"2025-12-05T09:16:42","date_gmt":"2025-12-05T02:16:42","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9299"},"modified":"2025-12-05T09:16:42","modified_gmt":"2025-12-05T02:16:42","slug":"bagaimana-cara-klaim-asuransi-akibat-banjir-pada-rumah-kendaraan-dan-bisnis","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/bagaimana-cara-klaim-asuransi-akibat-banjir-pada-rumah-kendaraan-dan-bisnis\/","title":{"rendered":"How to Claim Flood Insurance for Homes, Vehicles, and Businesses?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Flooding is one of the most common risks in Indonesia. Every year, thousands of homes are submerged, hundreds of cars are damaged, and many businesses are shut down due to water entering production areas. This is where insurance should provide a sense of security. But in reality, many people are confused when it comes to the process of <\/span><a href=\"https:\/\/lngrisk.co.id\/waspada-banjir-saat-hujan-deras-ini-daftar-aset-yang-wajib-diasuransikan\/\"><span style=\"font-weight: 400;\">flood insurance claims<\/span><\/a><span style=\"font-weight: 400;\">, where to start, what documents are needed, and how to ensure the claim is not rejected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will cover the complete claim steps for homes, cars, and businesses, from proper documentation and reporting timelines to tips for getting your claim paid quickly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And one important thing to understand: never buy a policy directly from an insurance company or agent, because when a flood occurs and you need to claim, no one is on your side. Agents work for the insurance company. Meanwhile, brokers like L&amp;G Insurance Broker are 100% on your side, ensuring your claim goes smoothly and is paid in full.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you need a free consultation, either before purchasing a policy or if you are experiencing a loss due to flooding, you can contact us <\/span><a href=\"http:\/\/lngrisk.co.id\"><span style=\"font-weight: 400;\">L&amp;G Insurance Broker<\/span><\/a><span style=\"font-weight: 400;\"> through:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">WhatsApp<\/span> <a href=\"http:\/\/wa.me\/628118507773\"><b>08118507773<\/b><\/a><span style=\"font-weight: 400;\"> or email <\/span><a href=\"mailto:halo@lngrisk.co.id\"><b>halo@lngrisk.co.id<\/b><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h3><b>What is Flood Insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many people assume that all policies automatically cover floods. However, for most products, such as property and auto insurance, floods are an extended coverage that must be purchased separately.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a home or business policy, flood coverage is usually written as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inundation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water Damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rainwater damage<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Meanwhile, for vehicles, flood coverage is included in the Additional Protections that must be checked from the outset. Without it, car flood claims will automatically be denied.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because policy wording is often technical and confusing, brokers play a crucial role in ensuring that flood coverage is clearly stated and appropriate to your risk conditions.<\/span><\/p>\n<h3><b>Types of Flood Losses That Can Be Claimed<\/b><\/h3>\n<ol>\n<li><b> Losses to Residential Homes<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Walls, floors, ceilings, doors, and other structures.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home furnishings such as sofas, mattresses, cupboards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic goods: TV, AC, refrigerator, washing machine.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damage to electrical and plumbing installations.<\/span><\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b> Loss to Vehicle<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The machine was submerged in water and died completely (water hammer).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damage to the ECU and electrical system.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interior was damaged by mud and water.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rust and corrosion due to submersion.<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b> Losses to Business<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Production assets: machinery, equipment, electrical panels.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damaged stock.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damage to warehouse and office.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">Business Interruption<\/span><\/i><span style=\"font-weight: 400;\">(losses due to production stoppage).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each category has a different claims procedure, so it&#8217;s important to understand the steps from the start.<\/span><\/p>\n<h3><b>How to Claim Flood Insurance for Your Home<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">When your house is flooded, you might be tempted to clean it right away. But for the sake of your claim, hold off.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the correct steps:<\/span><\/p>\n<ol>\n<li><b> Ensure Safe Conditions<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Turn off the power and avoid handling wet cables or electronic devices. Safety is a priority.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Document All Damage<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Photos and videos before cleaning the house:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Front view of the house<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water in the house<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submerged items<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Details of damage to walls, floors, electronics<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The more complete the evidence, the stronger your position when making a claim.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Report Claims within 3&#215;24 Hours<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The sooner, the better. Late reporting is often the reason claims are complicated.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Don&#8217;t throw away damaged items<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Let the surveyor see the item in person. If it needs to be thrown away, take photos from several angles first.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Prepare Documents<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insured&#8217;s ID card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chronology of events<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">List of losses and estimated repair costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Photos\/videos<\/span><\/li>\n<\/ul>\n<ol start=\"6\">\n<li><b> Attend the Survey<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">A surveyor or loss adjuster will inspect the site and assess the damage. A broker will usually accompany the contractor to ensure no losses are overlooked.<\/span><\/p>\n<ol start=\"7\">\n<li><b> Verification Process to Claim Payment<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">After that, the insurance company will analyze the policy, risks, and loss value before approving payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Important tip: do not make major repairs before the survey, unless it is an emergency.<\/span><\/p>\n<h3><b>How to Claim Flood Insurance for Vehicles<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Vehicles are the most frequently damaged objects by flooding. However, the claims process has specific regulations.<\/span><\/p>\n<ol>\n<li><b> Do not start the engine<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Starting the engine when the car is submerged can result in a claim being rejected as negligence.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Document the Damage<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Take a photo:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water level<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inside the car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">External conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Number plate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Machine parts<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b> Contact a partner workshop<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Use an authorized towing service from your insurance company. Don&#8217;t push or drive the car yourself.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Report a Claim<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Just like home, report within 3&#215;24 hours maximum.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Prepare Documents<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vehicle registration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damage photos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chronology of events<\/span><\/li>\n<\/ul>\n<ol start=\"6\">\n<li><b> Wait for the Surveyor&#8217;s Assessment<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The workshop will provide a repair estimate and submit it to the insurance company.<\/span><\/p>\n<p><b>When Can a Claim Be Rejected?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Forcing through the flood.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Turning on the engine even though it is submerged.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Does not have a flood insurance extension.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Therefore, always check your policy from the start.<\/span><\/p>\n<h3><b>How to Claim Flood Insurance for Business<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The business claims process is much more complex because it involves large loss values, stock of goods, production assets, and business losses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the steps:<\/span><\/p>\n<ol>\n<li><b> Secure the Area<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Lock down the affected area and put up signs to prevent workers from entering.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Documentation as Complete as Possible<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Photos\/videos of the entire production area, warehouse, electrical panels, machines, stock items, and damaged documents.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Report Claims Immediately<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Include initial information: water level, time of incident, and affected area.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Prepare Documents<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Initial loss report<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inventory list and book value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damage photos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Related financial reports (if there is a BI claim)<\/span><\/li>\n<\/ul>\n<ol start=\"5\">\n<li><b> Survey and Negotiation Process<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The loss adjuster will conduct a very detailed assessment. This is where the broker&#8217;s role is crucial. It&#8217;s the insurance broker who negotiates the loss value to reflect the reality on the ground.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Without a broker, companies typically struggle with complex technical processes and loss assessments.<\/span><\/p>\n<h3><b>Common Mistakes That Lead to Flood Insurance Claims Being Denied<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The policy does not cover floods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Late claim report.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no adequate documentation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clear the location before the survey.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starting the car after it has been submerged.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not understanding the policy clauses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Filing a claim through an agent who has no actual role in the claim.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Brokers not only help with the administrative process, but also ensure that you don&#8217;t make any fatal mistakes that could result in a failed claim.<\/span><\/p>\n<h3><b>The Role of Insurance Brokers in Flood Claims<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">This is the most important part.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many people don&#8217;t realize that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agents work for insurance companies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Brokers work for customers.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In the event of a flood, an agent cannot represent you in the event of a dispute. A broker, on the other hand, is obligated to assist you from reporting the claim and conducting the survey until the claim amount is approved and paid.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L&amp;G Insurance Broker has handled numerous flood claims for homes, vehicles, and large factories. This experience ensures a faster claims process and a fair assessment of losses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to make sure your policy really covers floods or need help with a claim, you can have a free consultation with L&amp;G via WhatsApp<\/span> <a href=\"http:\/\/wa.me\/628118507773\"><b>08118507773<\/b><\/a><span style=\"font-weight: 400;\"> or email <\/span><a href=\"mailto:halo@lngrisk.co.id\"><b>halo@lngrisk.co.id<\/b><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h3><b>Tips for a Smooth and Paid Flood Insurance Claim<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep the police in digital form.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make sure the policy wording covers flood and water damage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Update asset values \u200b\u200bannually.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Always take photos of conditions before and after the flood.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use a broker to minimize the risk of claims being complicated.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Don&#8217;t panic, follow the procedure.<\/span><\/li>\n<\/ul>\n<h3><b>Example of Flood Insurance Claim Chronology<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Here is an example of a simple chronology of words that you can use to create a claim report:<\/span><\/p>\n<p><b>House Chronology<\/b><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;On January 2, 2025, at around 7:00 PM, heavy rain caused the gutter in front of my house to overflow. Within 30 minutes, 40 cm of water had entered the living room and kitchen. I immediately turned off the electricity and recorded the situation. The next day, the floodwaters began to recede, and I filed a claim with my insurance company.&#8221;<\/span><\/p>\n<p><b>Vehicle Chronology<\/b><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;My car was parked in the office basement. On January 3, 2025, heavy rain flooded the basement to a depth of 1 meter. The car did not move or start at all. After the floodwaters receded, I documented the situation and filed a claim.&#8221;<\/span><\/p>\n<p><b>Business Chronology<\/b><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;On January 4, 2025, 80 cm of floodwater entered the factory&#8217;s production area, damaging laminating machines, finished goods inventory, and electrical panels. Production came to a complete halt. We secured the area, documented the damage, and filed a claim the same day.&#8221;<\/span><\/p>\n<h3><b>When is the Right Time to Buy Flood Insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The answer is simple:<\/span><b>before the rainy season.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">When a flood is occurring, you can no longer purchase a new policy. Furthermore, insurance companies often close flood policy sales in areas considered high-risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, consult your needs well in advance so that the policy you buy is appropriate and the guarantee is complete.<\/span><\/p>\n<h4><b>Cover<\/b><\/h4>\n<p><a href=\"https:\/\/lngrisk.co.id\/waspada-banjir-saat-hujan-deras-ini-daftar-aset-yang-wajib-diasuransikan\/\"><span style=\"font-weight: 400;\">Flood insurance claims<\/span><\/a><span style=\"font-weight: 400;\"> It&#8217;s actually not complicated if you understand the procedures. However, without assistance, the process can be tedious, from gathering evidence and conducting surveys to negotiating with loss adjusters, to waiting for a decision from the insurance company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By using L&amp;G Insurance Broker, you don&#8217;t have to face the process alone. L&amp;G will assist you from start to finish, ensuring your claim is properly paid.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to have the right flood protection and not be afraid of your claim being rejected, consult your needs now with L&amp;G Insurance Broker via WhatsApp<\/span> <a href=\"http:\/\/wa.me\/628118507773\"><b>08118507773<\/b><\/a><span style=\"font-weight: 400;\"> or email <\/span><a href=\"mailto:halo@lngrisk.co.id\"><b>halo@lngrisk.co.id<\/b><\/a><span style=\"font-weight: 400;\">.<\/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\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Flooding is one of the most common risks in Indonesia. Every year, thousands of homes are submerged, hundreds of cars are damaged, and many businesses are shut down due to water entering production areas. This is where insurance should provide a sense of security. But in reality, many people are confused when it comes to [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":9300,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[109,247],"class_list":{"0":"post-9299","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-asuransi-properti","8":"tag-asuransi-banjir","9":"tag-asuransi-properti"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9299","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9299"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9299\/revisions"}],"predecessor-version":[{"id":9301,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9299\/revisions\/9301"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9300"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9299"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9299"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9299"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}