The national disaster insurance scheme has started paying claims: the first 2 million baht accident payout went to heirs of a flood death in Chiang Mai. Coverage since 1 October 2569 (2026) covers floods, windstorms and earthquakes via a group policy. The household property policy covers about 30 million homes, up to 100,000 baht per household per event, with initial payouts of 10,000 baht for floods and 5,000 baht for wind or quake. Owners should check whether their home is covered and tell staff how to report damage to the Office of Insurance Commission (คปภ.) quickly.