The Thai General Insurance Association's residential disaster scheme starts 1 Oct 2026 and covers flood, storm and earthquake damage to about 30 million registered homes, including condos where each unit has a house number. Cover is capped at 100,000 baht per house, with an initial 10,000 baht paid before assessment. It covers built-in fixtures and walls, not movable furniture, appliances or trees. Homes used as factories, businesses or temples are excluded, so a shophouse or workshop that is also a home may fall outside. Damage before 1 Oct is not covered. Claims can be filed via LINE Official Account, call centre or on-site points with ThaiD login.