From 1 Oct, the state-bought National Disaster Insurance covers homes against flood, storm and earthquake damage, nationwide and including Bangkok. Payouts: 10,000 baht per household per flood event, 5,000 baht per storm or quake event, paid within 15 days, with further payment based on actual loss up to 100,000 baht per household per event. Death benefit is 2,000,000 baht. Claims can be filed at thainatcat.org, LINE @ThaiNATCAT, 02-012-5555, or at the local incident point, with photos of damage, proof of ownership and a PromptPay account. Check whether your shophouse or home is registered, and keep damage photos and documents ready. The article does not say whether business premises or stock are covered.