The Office of Insurance Commissioner (คปภ.) lists four steps for flood claims: 1) check the policy covers flood or natural disaster (car Type 1 covers flood; Type 2+ and 3+ need flood add-on checked; home fire policies must name flood). 2) Photograph damage item by item and, for cars, the engine bay and water marks. 3) Notify the insurer as soon as possible with policy number, plate, date, place, and keep the Claim No. 4) Prepare ID copy, damage photos, car registration, house registration or land deed. Car repair guide: water to carpet about 8,000-10,000 baht; to seats 15,000-20,000; to lower console 25,000-30,000; to upper console 30,000+. Total loss is settled per policy terms.