Association chairman Antony Lee Fook Weng said this included waiving the need for a police report, setting up additional hotlines and providing loss adjusters at the scene.

“We are actually removing some of the requirements. Some insurers are also able to give emergency cash immediately.

“In some cases, up to RM5,000 (is given) depending on the policy (with flood cover), without even having to go through the full process (of claims) because we understand during this time of need, cash is needed quickly,” he said on Bernama TV’s The Brief programme today.

Lee advised policyholders to reach out to their insurers or agents to help them, although he cautioned that there may be some delays in settling claims, but that it would be settled in due course.

He said insurance providers were well-prepared for this type of disasters although the recent floods were on a scale that was unprecedented.

He added that insurers had mobilised their claims teams to affected areas with immediate effect.

He also advised policyholders to review their coverage as flood coverage was optional under the standard fire and motor policies.