From 12am today, a government-backed disaster insurance scheme covers about 30 million households against floods, windstorms and earthquakes. Flood damage gets an initial 10,000 baht, rising to a maximum of 100,000 baht per household after assessment; windstorm and earthquake damage gets an initial 5,000 baht. Only residential structures and fixed fixtures are covered, not offices or commercial premises, so a shop or workshop needs its own commercial property cover. Payouts only trigger after an official assistance zone is declared, and areas already declared before today are excluded. Owners who live above or behind their business should check whether their home is covered and keep damage photos. Claims go through thainetcat.org, LINE @THNCat, or 02-012-5555.