Bali’s recent heavy rainfall and flooding left many residents, expats, and property owners dealing with unexpected challenges. Beyond the immediate clean-up, questions about insurance coverage, property protection, and long-term planning are top of mind.

Here’s a breakdown of what you should know if you live in Bali or own property on the island:


1. Assess the Damage First

Before reaching out to your insurance provider or contractor, start with a clear assessment:

  • Take photos and videos of affected areas (inside and outside).

  • List damaged belongings, appliances, and furniture.

  • Note structural issues such as cracks, leaks, or electrical damage.

Tip: Keep receipts if you need to buy emergency supplies — many insurers accept these as part of claims.

2. Insurance in Indonesia: What’s Covered?

Not all insurance policies in Bali automatically cover flooding. Here’s what to check:

  • Home & Property Insurance – Some basic plans only cover fire; you may need an add-on for natural disasters like floods, earthquakes, or landslides.

  • Vehicle Insurance – If your car or bike was damaged in rising waters, make sure your policy includes “Act of God” or natural disaster protection.

  • Business Insurance – Restaurants, villas, and shops should confirm if stock and equipment are protected against water damage.

If you’re unsure, call your insurer directly. Many companies allow you to add flood coverage after an event — but note that claims for the current flood won’t apply retroactively.

3. Safety First: Health & Utilities

After flooding, it’s not just about property:

  • Electricity: Don’t switch on appliances until wiring is inspected.

  • Water: Floodwater often carries bacteria — clean surfaces thoroughly before use.

  • Mosquito Risk: Stagnant water can increase dengue fever cases. Clear gutters and outdoor puddles quickly.

4. Long-Term Planning for Property Owners

With Bali’s rainy season becoming less predictable, prevention is key:

  • Elevate electrical systems, water heaters, and pumps.

  • Improve drainage systems around villas and gardens.

  • Consider flood-resistant building materials for renovations.

  • Review and update your insurance every year.

5. For Renters & Expats in Bali

Even if you don’t own property, floods can affect your lease:

  • Check if your landlord has property insurance.

  • Review your rental agreement to see who is responsible for repairs.

  • Renters can take out their own contents insurance to cover personal belongings.

Conclusion 

Floods in Bali are not just a seasonal inconvenience — they’re a reminder to prepare financially, structurally, and health-wise. Whether you’re a homeowner, villa investor, or long-term renter, now is the time to review your insurance, improve your property’s flood resilience, and stay informed.