When the recent tremors were felt in Johor, most of us instinctively checked on our families and colleagues. But once the ground settled, another question appeared:

👉 What if it had been stronger? or will my bank or insurance cover the damages?
For many Malaysians, the answer is not reassuring. Most standard fire insurance policies exclude earthquake coverage, leaving homes and businesses exposed to devastating losses.

The misconception:
“Earthquakes don’t happen in Malaysia.”
While it’s true our country is not situated on top of the Ring of Fire, tremors from nearby countries do reach us, as seen in Johor, Sabah, and Sarawak. A mild earthquake can cause:

🔹 structural cracks that shut down premises
🔹 damaged inventory and equipment
🔹 weeks of costly business interruption
🔹 expensive home repairs with no payout.

The good news?
This risk is insurable by including an Earthquake Extension (sometimes called an “Act of God” perils extension) to your fire policy which is affordable and could save you from catastrophic financial loss.

At CAPS, we recommend every business and homeowner review their policies now. If you’re unsure whether you’re covered, we’re offering a complimentary policy review—because protection should be proactive, not reactive.

📄 Take 2 minutes and :
🔸 find your policy document
🔸 check the “Exclusions” section for “earthquake” or “tremor”.

If it is missing or you are unsure, feel free to reach out to us. Don’t wait for the next tremor to shake up your finances. Let’s make sure your fire insurance is truly fireproof.

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