Xin Jing Bao·2025-07-28 09:48Core Viewpoint - The recent heavy rainfall in Beijing has led to significant property damage, prompting a surge in insurance claims, particularly in auto and home insurance sectors [1][3]. Group 1: Insurance Claims Data - From July 24, 18:00 to July 28, 08:00, PICC Beijing received a total of 445 claims, with preliminary losses estimated at 13.5 million yuan, primarily from auto and home insurance [1][3]. - During the period from July 26 to July 28, Ping An Property & Casualty received 235 claims related to vehicle flooding, with 17 cases already closed [1][3]. - Home insurance claims have become a significant portion of the reports, with 200 home insurance claims filed alongside 241 auto insurance claims by PICC [3]. Group 2: Insurance Coverage Details - Vehicle damage due to flooding is covered under auto insurance, provided the vehicle was stationary or damaged during operation, excluding engine damage caused by restarting the vehicle after flooding [1][2]. - Home insurance typically covers damages from natural disasters like heavy rain and flooding, protecting the structure and contents of the home [3][4]. - For agricultural losses, insurance companies are actively assisting farmers in filing claims, with a quick response time for damage assessment and compensation [4].