Anticipating, Responding to, and Cleaning Up Flooded Homes, Lighten the Burden Together with PT AXA Insurance Indonesia!

In an unpredictable season like the current one, a high level of weather awareness is essential. This is because the risk of natural phenomena like flooding triggered by prolonged rain can cause significant losses if not anticipated and addressed carefully. Flooded homes remain a problem for many people, including perhaps you who are reading this article.

For example, the floods that hit Jakarta and its surrounding areas several times in 2025 alone caused significant losses. According to the official website of the National Disaster Management Agency (BNPB.go.id), the floods that hit Greater Jakarta (Jabodetabek) in March 2025 caused losses of nearly IDR 1.7 trillion.

This figure is clearly significant when factoring in infrastructure damage, personal losses to residents whose homes were flooded, and other losses resulting from the flood. This is why everyone should be aware of flood prevention and response measures.

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Anticipatory Steps to Prevent Your House from Flooding

Before flooding occurs and causes losses, it seems that everyone should really understand the tips to prevent water from entering the house or environment.

Here are some quick tips:

Always check the water and drainage systems, both at home and in the surrounding area.
Build a sandbank to act as a barrier against water. This can reduce the risk of water entering the house.
Use a waterproof door to prevent water from entering the house.
Try building a barrier or barrier to prevent water from entering the house.
Choose waterproof flooring materials to reduce potential losses.
Plan your garden in an area of your house or neighborhood that has good drainage and can absorb water quickly.
Always have a water pump and suction device ready when warnings are issued.
Make sure your residence has Home Insurance from PT AXA Insurance Indonesia, which is proven to be reliable and can help reduce losses that may arise.
Always pay attention to warnings and the latest weather information, which are updated regularly.

What to Do When Your House Floods?

So, if a flood has already occurred, what should you do?

We, PT AXA Insurance Indonesia, would like to share information on the ideal steps to take when your home is flooded. The goal is simple: to minimize potential losses and avoid the potentially significant negative impacts this situation could cause.

1. Store Valuables Safely

Valuable items that are easily damaged by water, such as files, important letters, and the like, should be stored safely and kept out of reach of water. When the water level starts to rise, these items can be immediately secured, either by placing them in a ziplock bag or even in a separate container.

Additionally, other valuable electronic items should be secured and kept away from standing water. Electronic items are easily damaged if exposed to standing water, especially if the water is dirty.

2. Make sure to turn off the electricity supply

Any electricity still flowing in your home should be turned off immediately to avoid other potentially fatal risks. As you know, water and electricity are a dangerous combination and can cause short circuits, damage to electronic devices, and even electrocution to family members.

It is highly recommended to unplug all electronic devices and power outlets to avoid further damage.

3. Emergency Supplies and Equipment

It's possible that the flooding will last for several days. Therefore, you should at least prepare the necessary supplies and emergency equipment to survive during that time.

Packaged food, canned goods, instant food, power banks, flashlights, headlamps, life rafts, walking sticks, sanitary supplies, and the like should be the main items in your bag or carry-on equipment.

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4. Evacuate according to the directions of authorized officers.

Referring to Law Number 24 of 2007 concerning Disaster Management, all evacuation processes must be carried out in accordance with applicable regulations. Evacuations must prioritize the protection of vulnerable groups, thereby reducing safety risks.

The Disaster Management Agency in each region also has clear guidelines regarding the implementation and situations and conditions that require evacuation. As a member of the public, you are clearly obliged to comply with the rules and recommendations issued by officers during an evacuation.

5. Avoid Heroic or Risky Actions

We understand your concern for the safety of every family member and your belongings in the event of a flood. However, it's best to avoid impulsive actions that could increase the safety risks for anyone affected by the flood.

Every action taken should ideally be carefully calculated to avoid increasing safety risks or losses. While the benefits of PT AXA Insurance Indonesia's Home Insurance are quite extensive, this doesn't mean you can be reckless and take careless actions that could jeopardize your safety.

6. Don't Hesitate to Ask for Help

If possible, ensure your smartphone has sufficient battery and a good signal so you can call the authorities for help. A radio or walkie-talkie can be an alternative if your cellular or internet signal is forced to shut down.

Contact emergency services in your area, such as the police, military, BNPB, or other relevant organizations capable of providing assistance to improve safety.

7. Contact your insurance company to confirm your benefits.

You can contact us immediately, PT AXA Insurance Indonesia, to confirm your benefits. The administrative process will be quick and easy, saving you time.

PT AXA Insurance Indonesia Home Insurance will provide benefits based on the product you choose. Once you meet all the terms and conditions, you can receive your benefits immediately, minimizing any potential losses.

Post-Flood Cleaning Tips You Can Use!

After the flooding period is over, there's still more work to be done. Yes, you'll still have to deal with a dirty house that needs to be cleaned, as not cleaning it will only create more problems and make things even more difficult.

To help you clean your house after a flood, the tips below may be helpful.

First, move furniture and discard any items that are too damaged or no longer functional.
Second, clean up any remaining standing water in the house using simple tools as a first step.
Third, scoop out all mud with a brush and a specialized cleaner; you can call a professional cleaning service for this.
Fourth, be sure to clean the walls and check for any cracks so they can be repaired immediately.
Fifth, after basic cleaning, mop the floors with floor cleaner and antiseptic to ensure the house is hygienic again.
Sixth, clean any furniture that is still usable with a reliable cleaning solution.
Seventh, soak any tableware that was "victimized" by the flood waters to ensure it is clean and ready to use.
Eighth, ensure the health of all family members and don't hesitate to get them checked.
Ninth, check all electricity, water, and gas lines and ensure they are functioning optimally.

Also read: Personal Accident Insurance: Protect Yourself, Enjoy Your Activities with Peace of Mind!

A flooded house can indeed present a myriad of seemingly endless problems. This is why it's important to understand preventative measures, what to do during a flood, and how to clean up after a flood. All of this is to minimize losses.

PT AXA Insurance Indonesia understands that a flooded house is always a huge hassle. That's why we offer SmartHome Insurance, a home insurance plan that can help you minimize losses caused by flooding. At the very least, with these benefits, post-flood home recovery and cleanup can be much easier.

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