Core Insights - The impact of Typhoon "Haikashan" on Shenzhen's insurance industry has been limited due to effective preventive measures, with reported claims significantly lower than those from Typhoon "Wipha" earlier this year [1][2]. Insurance Claims and Loss Estimates - As of September 24, the Shenzhen insurance industry received 421 claims related to Typhoon "Haikashan," with estimated losses of 4.0074 million yuan [1]. - In comparison, Typhoon "Wipha" resulted in 1,100 claims and estimated losses of 11.0975 million yuan, with insurance payouts totaling 76,000 yuan [1][2]. Typhoon Characteristics - Typhoon "Haikashan" had a maximum wind force of level 16, while Typhoon "Wipha" had a maximum wind force of level 13 [2]. - The center of "Haikashan" passed 150 kilometers south of Shenzhen, compared to "Wipha," which passed 90 kilometers south [2]. Emergency Response and Preparedness - Shenzhen opened 865 indoor emergency shelters and prepared 400,000 servings of ready-to-eat food and 1 million bottles of drinking water, with over 306,393 people evacuated and 55,532 people housed in emergency shelters [3]. - The insurance industry activated emergency response mechanisms, enabling rapid claims processing, with some companies completing claims in as little as 8 minutes [5][6][7]. Technology in Claims Processing - Multiple insurance companies utilized technology to expedite claims, achieving rapid payouts. For instance, a claim for 2,600 yuan was processed within 28 minutes, and another for 3,000 yuan was completed in 30 minutes [5][6][7]. - The use of online platforms for claims reporting and assessment has been highlighted as a key factor in the swift response to claims [5][6]. Historical Context - Since 2025, there have been over three significant typhoons affecting Shenzhen, with "Sula" in September 2023 being the most impactful, resulting in 24,844 claims and losses of 154 million yuan [7].