Way back my years of employment with one of the prominence foreign insurer, I was train as an in house insurance agent , given free hands on underwriting and inspection of premises from condominiums to SME etc. One of the incident was way back in 2005 May there was a massive lost due to flood to a restaurant portfolio under my care due to non-serviced account. I wonder how an insurance company underwrite a risk as this restaurant are situated underground of the Dataran Merdeka shopping facilities which were prone to flood in history with flood cover resulting in a bad total lost claim.