Core Viewpoint - The article emphasizes the critical role of insurance in disaster recovery and risk management, particularly in the context of extreme weather events exacerbated by climate change. Insurance is portrayed as an "invisible capital" that enhances regional resilience and supports economic recovery after disasters [1][8]. Group 1: Insurance Response to Disasters - Following the heavy rainfall in Beijing, insurance companies quickly activated emergency response measures, including establishing on-site claims centers and providing essential supplies to affected areas [3][4]. - As of July 29, 2023, major insurance companies reported thousands of claims related to the flooding, with significant amounts already processed for compensation [2][3]. Group 2: Evolution of Insurance Mechanisms - Insurance is evolving towards a "responsive recovery" model, where companies simplify claims processes and implement mechanisms like pre-claims and fast claims to enhance the recovery experience for affected individuals and businesses [5][11]. - The insurance sector is transitioning from merely providing post-disaster compensation to becoming an integral part of comprehensive risk management that includes pre-disaster planning and real-time response [10][11]. Group 3: Agricultural Insurance Challenges - The article highlights the challenges faced by agricultural insurance due to extreme weather conditions, particularly in key agricultural regions like Henan, which has experienced severe drought and high temperatures [6][7]. - The efficiency of insurance payouts directly impacts the recovery speed of agricultural producers, emphasizing the need for timely compensation to mitigate risks of crop failure [7][8]. Group 4: Public Awareness and Accessibility - There is a noted gap in public awareness regarding the importance of insurance for low-frequency, high-loss risks, as many individuals did not purchase necessary coverage before the recent disasters [14][15]. - Strategies to enhance public understanding of insurance include integrating insurance education into community programs and promoting basic disaster insurance products through government collaboration [14][15].