The Thai General Insurance Association says the national catastrophe flood policy covers homes surrounded by floodwater for more than 7 consecutive days, even if water never enters the house. Initial payment is 10,000 baht per household. Conditions: the water must surround the building itself (not just roads or the village), the area must be declared a disaster zone, and the flood must occur on or after 1 Oct 2026 under the policy period. Claims can be filed via the LINE Official Account, call centre or local claim desk with ThaiD verification and photos. Payment is within 15 days of complete documents, paid to the owner (a tenant needs a power of attorney). Check your policy now and keep photos and dated evidence of the flooding.