Core Viewpoint - The article highlights the impact of severe rainfall in Huairou District, Beijing, leading to significant property damage in rural areas, and emphasizes the role of rural housing insurance in facilitating recovery for affected residents [1][8]. Group 1: Insurance Response - China Life Property & Casualty Insurance Company has been proactive in assessing damage and processing claims for affected households in Liulihe Town, with staff conducting on-site evaluations and providing timely support [1][9]. - The rural housing insurance program has gained positive feedback from local farmers, with a premium subsidy structure allowing farmers to pay only 20 yuan for coverage up to 180,000 yuan [8]. - The insurance company has implemented measures to expedite claims processing, including waiving certain documentation requirements and prioritizing claims for severely damaged properties [9]. Group 2: Damage Assessment - As of the report, 2,391 households in Liulihe Town are insured, with coverage details including 130,000 yuan for the main structure, 20,000 yuan for interior decoration, and 25,000 yuan for personal property [8]. - The insurance company has deployed multiple assessment teams to conduct damage evaluations, with 24 out of 25 villages having completed initial assessments [9]. - The claims process involves detailed documentation of damages, including photographs and measurements, to ensure accurate compensation [7].

"农村住宅保险"业务自实施以来，受到了怀柔区广大农户的积极响应和支持。该项目由区、镇两级补贴 80元保费，农户只需缴纳20元，即可获得最高18万元的保险保障。 中国人保（601319）怀柔支公司相关负责人介绍，为加快理赔进度，公司开辟了绿色通道，简化理赔手 续，对符合条件的案件实行快速赔付。同时，利用线上远程查勘系统，提高工作效率，确保受灾农户能 够尽快得到理赔资金。 新京报讯 据"北京怀柔"微信公众号消息，强降雨造成怀柔区部分农户房屋受损严重。面对灾情，怀柔 区农业农村局积极行动，充分发挥"农村住宅保险"项目效能，为受灾农户送去了"定心丸"。目前，各承 保单位已对534户受损农房进行了查勘定损工作，部分理赔款也将陆续发放到农户手中。 灾情发生后，怀柔区农业农村局迅速响应，第一时间与承保单位取得联系，启动应急预案。一方面，组 织工作人员深入受灾一线，协助保险公司开展查勘定损工作，详细了解农户房屋受损情况，确保理赔工 作准确、高效进行；另一方面，积极协调各乡镇街道，做好受灾农户的安抚和政策解释工作，让农户了 解农宅保险的理赔流程和标准，安心等待理赔结果。 ...