The Interior Ministry says the public flood insurance pays 10,000 baht within 15 days. Coverage starts 00.01 on 1 Oct and needs the area to be in a declared flood disaster zone; GISTDA satellite maps will confirm boundaries, so no site survey or photos are needed. Ongoing events before 1 Oct do not qualify. House repairs are a lump sum from 1 Nov (e.g. 10,000 baht at 50 cm water). Check whether your premises and area are inside a declared zone and keep your own records for cash-flow planning.