The National Disaster Insurance scheme took effect on 1 October and was first used in Lamphun after flash floods on 5 October hit 4 villages (225 households). Claims can be filed online or by walk-in, with help from the district office and the Thai General Insurance Association. For a small business in a flood-prone area, check whether your premises or stock fall under the scheme and keep photos, receipts and damage records ready. Details of eligibility and coverage limits were not in the article.