The government's disaster insurance scheme took effect on Thursday (Oct 2, 2026 per publication date) and covers about 30 million households against floods, windstorms and earthquakes. Flood cover pays 10,000 baht upfront plus up to 90,000 baht for actual damage; wind and quake cover pays 5,000 baht upfront plus up to 95,000 baht. Households flooded for more than seven days get 10,000 baht, and death from a covered disaster pays 2 million baht. The initial payment is due within 15 days, with no photos needed if the province is declared a disaster area. Homes flooded before Oct 1 are not eligible. The policy runs annually. For a small business owner, check whether your home or shophouse is covered, keep records of damage, and watch for the provincial disaster declaration that triggers payment. Insurers expect higher Q4 losses from the latest flooding, so claims may take time.