A normal day turns unexpected
Mrs. Wong loved her kitchen. It was the heart of her home, where she baked cakes for her small business. One afternoon, an electrical fault in her oven sparked a fire. It spread rapidly to the cabinets and the ceiling. By the time the fire brigade extinguished the flames, the kitchen was destroyed. Smoke damage had ruined the living room furniture as well.
The damage and immediate costs
Mrs. Wong stood in the wet, blackened remains of her home, devastated. She brought in a contractor who estimated the repairs at RM34,000. For a small business owner, this was a massive blow. It represented years of savings. She worried she would have to close her business to pay for the repairs.
Turning to the insurance policy
She called our advisor from TM Legacy Builders in tears. Our advisor reassured her. “Mrs. Wong, remember we bought the Houseowner and Householder policy? This is exactly what it’s for.” Our advisor arrived to help document the damage. They took photos of the burnt appliances, the cabinetry, and the smoke-damaged sofa. The claim was submitted for both the structure (Houseowner) and the contents (Householder).
Quick approval and settlement
Because the documentation was clear and the policy was comprehensive, the approval came quickly. The insurer issued a payout of RM34,000. Mrs. Wong was able to hire contractors immediately. She replaced her oven, rebuilt her cabinets, and repainted the walls.
Financial relief
Residential fires are common in Malaysia, often caused by old wiring or electrical overload. Many homeowners assume their “fire insurance” covers everything, only to find out it only covers the walls, not the renovations or furniture inside. Mrs. Wong was protected because she had the full package. Within two months, Mrs. Wong was back to baking. Her kitchen looked new, and her savings account was untouched.
Key takeaways for homeowners
- One well-chosen policy can prevent significant financial loss.
- Insurance protects both property and personal finances.
- Quick claims process matters during stressful events.
- Being proactive in coverage pays off in unexpected moments.
How TM Legacy Builders supports homeowners
TM Legacy Builders supports homeowners by helping them select coverage that reflects their home’s true value and their lifestyle needs. Our team provides clear guidance on optional add-ons to strengthen protection, walks policyholders through the claims process with confidence, and ensures that real-life incidents are managed smoothly.
