The Office of Insurance Commission (OIC) lists four steps for flood-damaged homes and cars: (1) check whether your policy covers flood; for car insurance, Type 1 covers flood, while Type 2+ and 3+ need a flood add-on confirmed; for home fire policies, check flood or natural disaster is named. Policy details are available via LINE @OICCONNECT, "My Policy". (2) Photograph and video damage in wide shots and item by item, plus water marks on cars. (3) Notify the insurer promptly and keep the claim number. (4) Prepare ID copy, photos, car registration, house registration or land deed. The OIC also set five car flood-damage levels (A to E) with repair estimates from about 8,000 baht to a total loss. The OIC will meet insurers on 28 September 2026 on claim timelines and premium payment relief, which is not yet decided.