{"id":9988,"date":"2026-04-29T14:57:43","date_gmt":"2026-04-29T06:57:43","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9988"},"modified":"2026-04-29T14:57:45","modified_gmt":"2026-04-29T06:57:45","slug":"fire-damage-claim-involving-dual-purpose-property","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/en\/fire-damage-claim-involving-dual-purpose-property\/","title":{"rendered":"Fire Damage Claim involving Dual-Purpose Property"},"content":{"rendered":"\n<p>Musa experienced a fire at his residence and subsequently submitted an insurance claim. The insurer initially rejected the claim because the insured premises had been declared a dwelling, but the adjuster\u2019s inspection revealed that the property was also being used to manufacture food products.<\/p>\n\n\n\n<p>Following Musa\u2019s appeal, the insurer reviewed the claim and extended a goodwill offer; however, Musa remained dissatisfied with the amount and subsequently referred the dispute to FMOS.<\/p>\n\n\n\n<p><strong>FINDINGS<\/strong><\/p>\n\n\n\n<p>The policy had been in force since 2016, and evidence showed that the agent had informed the insurer that the premises would be used both as a dwelling and for manufacturing and packing chilli sauce. In 2018, when the insured\u2019s son took over the business, a second policy covering stock and equipment at the same premises was issued.<\/p>\n\n\n\n<p>It was noted that the insurer\u2019s system should have identified the dual-purpose use of the premises, and therefore, it would be unjust to reject the claim on the grounds of misrepresentation.<\/p>\n\n\n\n<p>Furthermore, the agent had declared the intended use to the best of their knowledge, and the responsibility for correctly classifying the occupancy and applying the appropriate premium rested with the underwriter, as all relevant information had been provided.<\/p>\n\n\n\n<p>The case manager also highlighted that the complainant needs to be aware that the policy operated on an indemnity basis, which required depreciation for wear and tear to be applied in calculating the revised offer.<\/p>\n\n\n\n<p><strong>OUTCOME<\/strong><\/p>\n\n\n\n<p>Based on these considerations, the case manager recommended that the insurer review its decision. The insurer subsequently reassessed the matter, issued a revised offer, and the complainant accepted the settlement, and the case was amicably resolved.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Musa experienced a fire at his residence and subsequently submitted an insurance claim. The insurer initially rejected the claim because the insured premises had been declared a dwelling, but the adjuster\u2019s inspection revealed that the property was also being used to manufacture food products. Following Musa\u2019s appeal, the insurer reviewed the claim and extended a [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":9990,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-9988","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","category-insurance-takaful"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fire Damage Claim involving Dual-Purpose Property - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/en\/fire-damage-claim-involving-dual-purpose-property\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fire Damage Claim involving Dual-Purpose Property - FMOS\" \/>\n<meta property=\"og:description\" content=\"Musa experienced a fire at his residence and subsequently submitted an insurance claim. The insurer initially rejected the claim because the insured premises had been declared a dwelling, but the adjuster\u2019s inspection revealed that the property was also being used to manufacture food products. Following Musa\u2019s appeal, the insurer reviewed the claim and extended a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fmos.org.my\/en\/fire-damage-claim-involving-dual-purpose-property\/\" \/>\n<meta property=\"og:site_name\" content=\"FMOS\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-29T06:57:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-29T06:57:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"501\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"commsadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"commsadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/\"},\"author\":{\"name\":\"commsadmin\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#\/schema\/person\/8fbea4ebb5130d485f32d0731efd4689\"},\"headline\":\"Fire Damage Claim involving Dual-Purpose Property\",\"datePublished\":\"2026-04-29T06:57:43+00:00\",\"dateModified\":\"2026-04-29T06:57:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/\"},\"wordCount\":279,\"publisher\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png\",\"articleSection\":[\"Case Studies\",\"Insurance\/ Takaful\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/\",\"url\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/\",\"name\":\"Fire Damage Claim involving Dual-Purpose Property - FMOS\",\"isPartOf\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png\",\"datePublished\":\"2026-04-29T06:57:43+00:00\",\"dateModified\":\"2026-04-29T06:57:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage\",\"url\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png\",\"contentUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png\",\"width\":500,\"height\":501},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.fmos.org.my\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fire Damage Claim involving Dual-Purpose Property\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#website\",\"url\":\"https:\/\/www.fmos.org.my\/en\/\",\"name\":\"FMOS\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fmos.org.my\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#organization\",\"name\":\"FMOS\",\"alternateName\":\"Financial Markets Ombudsman Services\",\"url\":\"https:\/\/www.fmos.org.my\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png\",\"contentUrl\":\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png\",\"width\":262,\"height\":50,\"caption\":\"FMOS\"},\"image\":{\"@id\":\"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#\/schema\/person\/8fbea4ebb5130d485f32d0731efd4689\",\"name\":\"commsadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fmos.org.my\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a05f4bcfd9343a8f8d132e42c78c8681f5478a61135065e2d36ad22020b81651?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a05f4bcfd9343a8f8d132e42c78c8681f5478a61135065e2d36ad22020b81651?s=96&d=mm&r=g\",\"caption\":\"commsadmin\"},\"url\":\"https:\/\/www.fmos.org.my\/en\/author\/commsadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fire Damage Claim involving Dual-Purpose Property - FMOS","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fmos.org.my\/en\/fire-damage-claim-involving-dual-purpose-property\/","og_locale":"en_US","og_type":"article","og_title":"Fire Damage Claim involving Dual-Purpose Property - FMOS","og_description":"Musa experienced a fire at his residence and subsequently submitted an insurance claim. The insurer initially rejected the claim because the insured premises had been declared a dwelling, but the adjuster\u2019s inspection revealed that the property was also being used to manufacture food products. Following Musa\u2019s appeal, the insurer reviewed the claim and extended a [&hellip;]","og_url":"https:\/\/www.fmos.org.my\/en\/fire-damage-claim-involving-dual-purpose-property\/","og_site_name":"FMOS","article_published_time":"2026-04-29T06:57:43+00:00","article_modified_time":"2026-04-29T06:57:45+00:00","og_image":[{"width":500,"height":501,"url":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png","type":"image\/png"}],"author":"commsadmin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"commsadmin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#article","isPartOf":{"@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/"},"author":{"name":"commsadmin","@id":"https:\/\/www.fmos.org.my\/en\/#\/schema\/person\/8fbea4ebb5130d485f32d0731efd4689"},"headline":"Fire Damage Claim involving Dual-Purpose Property","datePublished":"2026-04-29T06:57:43+00:00","dateModified":"2026-04-29T06:57:45+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/"},"wordCount":279,"publisher":{"@id":"https:\/\/www.fmos.org.my\/en\/#organization"},"image":{"@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png","articleSection":["Case Studies","Insurance\/ Takaful"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/","url":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/","name":"Fire Damage Claim involving Dual-Purpose Property - FMOS","isPartOf":{"@id":"https:\/\/www.fmos.org.my\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage"},"image":{"@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png","datePublished":"2026-04-29T06:57:43+00:00","dateModified":"2026-04-29T06:57:45+00:00","breadcrumb":{"@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#primaryimage","url":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png","contentUrl":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/AR-Case-Studies-21.png","width":500,"height":501},{"@type":"BreadcrumbList","@id":"https:\/\/www.fmos.org.my\/fire-damage-claim-involving-dual-purpose-property\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fmos.org.my\/en\/"},{"@type":"ListItem","position":2,"name":"Fire Damage Claim involving Dual-Purpose Property"}]},{"@type":"WebSite","@id":"https:\/\/www.fmos.org.my\/en\/#website","url":"https:\/\/www.fmos.org.my\/en\/","name":"FMOS","description":"","publisher":{"@id":"https:\/\/www.fmos.org.my\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fmos.org.my\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.fmos.org.my\/en\/#organization","name":"FMOS","alternateName":"Financial Markets Ombudsman Services","url":"https:\/\/www.fmos.org.my\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png","contentUrl":"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2026\/04\/FMOS_hori-logo_fullcolor-Custom.png","width":262,"height":50,"caption":"FMOS"},"image":{"@id":"https:\/\/www.fmos.org.my\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fmos.org.my\/en\/#\/schema\/person\/8fbea4ebb5130d485f32d0731efd4689","name":"commsadmin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fmos.org.my\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a05f4bcfd9343a8f8d132e42c78c8681f5478a61135065e2d36ad22020b81651?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a05f4bcfd9343a8f8d132e42c78c8681f5478a61135065e2d36ad22020b81651?s=96&d=mm&r=g","caption":"commsadmin"},"url":"https:\/\/www.fmos.org.my\/en\/author\/commsadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/posts\/9988","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/comments?post=9988"}],"version-history":[{"count":1,"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/posts\/9988\/revisions"}],"predecessor-version":[{"id":9991,"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/posts\/9988\/revisions\/9991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/media\/9990"}],"wp:attachment":[{"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/media?parent=9988"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/categories?post=9988"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fmos.org.my\/en\/wp-json\/wp\/v2\/tags?post=9988"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}