Flood insurance claims: prepare your home and vehicle evidence

1. Flooded home or vehicle — prepare your claim

Preparation aid only: your policy and insurer determine coverage, documents, deadlines and payment. Contact your insurer promptly; ask OIC at 1186 if you need insurance guidance. Never delay urgent safety work to collect evidence.

• Find your policy and endorsements; ask whether this flood, property or vehicle is covered and what excess or limits apply.
• Notify the insurer through its official channel. Record the claim reference and ask for the exact document list, deadlines and inspection arrangements.
• When safe, photograph water entry points, room-by-room water lines, swollen floors and submerged items. Record when flooding began/receded, stock quantities and visible model/serial numbers. Do not plug appliances in to film a test.
• Ask what must be inspected before non-urgent repairs or disposal. For unsafe items, prioritize safety and document removal when possible. Keep quotes and receipts.
• Submit through the insurer’s official channel, keep a copy and submission acknowledgement, and record missing documents and your next follow-up.

2. Recovery checklist — check completed tasks

• Before entry: check local notices and have damaged structures or electrical systems assessed by qualified professionals. Do not switch on wet appliances.
• Once access is safe: photograph damage and list affected belongings. Keep receipts; ask your landlord or insurer which evidence they need.
• Cleanup: wear boots, gloves and eye protection; use clean water. Never mix bleach with other cleaners. Seek medical care for fever after floodwater exposure and tell the clinician about that exposure.
• Moisture: dry as soon as safely possible, aiming for 24–48 hours. Assume mold may be present after prolonged wetness. People with asthma or weakened immunity should avoid moldy spaces.
• Before moving back or reopening: check water, food, electricity and access. Separate damaged stock; plan deliveries and closure expenses. Resolve hazards before using the premises again.

3. Add up your recovery budget

Amounts in THB. Blank fields count as zero, so the total may be incomplete. Use actual quotes. This is not a market estimate, insurance payout or aid entitlement; lost revenue is excluded. Do not count the same expense twice.