Only Flood Insurance Will Cover Your Flood Losses

The recent flood has damaged our school's new photocopier machines , furniture and all textbooks and worksheets of my K-1 students. The flood really caught us off guard . No one ever expected that the school will be flooded at 1 meter high! Though we already resumed our classes since last Thursday , it will still take time to restore everything to normalcy. I'm not used to a lifeless room. The water stripped off the colors of the room-the pictures and all the decorations you expected for a kindergarten room. I'm coping with a no-break class discussion. Without workbooks , I'm forced to extend class activity to 10-15 minutes more!

As I experienced flood, I began to wonder if there's such thing as flood insurance available here in Thailand. I ask our landlady if her home and the home we rented has been insured so that she can get in touch with her insurance agency and file a claim for your flood. She said that it doesn't cover floods.

Experience makes us wise. My brain just hatched an idea that if ever we'll have our own dwelling place, I see to it that I get hold with that flood insurance. Even for our future car, I'll look for a policy that covers flood-related damage. I don't have adequate knowledge about these things yet so I better check for homeowner insurance rate and car insurance rate so that I'll be knowledgeable enough to handle such things when the right time comes. This is called preparing for the unexpected and sometimes it is well worth it, especially on days like this one!

Hatyai City Flood before my bro's eyes

I'm sad that I can't do anything to save our TV rack , bookshelves and some other things but it's nothing compared to what I felt for my brother. I was heart-broken to know that my brother wasn't able to save most of their things -fridge, microwave oven, iron, his wife's costume jewelry and especially their clothes.They don't have neighbors like we have that will inform them of the coming flood and neighbors who will help them carry their things.

I couldn't contact them for two days and when the water finally receded we went to visit them but we met my brother on the street. He went home with us and advised him to get my sis-in-law and niece to stay with us for awhile because without electricity they couldn't cook whereas in us we have gas stove. I'm so relieved and thankful to God that though they lost most of their belongings, they're alive and healthy! We all are!

most of my bro's things are floating inside their house during the flood

another flood to hit Hatyai City?

Before we could cope with the flood another bad news hit us: a heavy monsoon storm hit the southern province of Surat Thani . It's just 6 kilometres away from the city and rumor has it that another dam will be opened to release the overflowing water on November 6 (that would be tomorrow) so another flood is possible. We're advised not to put our saved things downstairs for the meantime and be prepared.

It started to rain earlier today and I don't know what will happen but I trust my living God. I know that He'll take good care of us.

My father send inspiring messages to us today and we'd love to share it to you:

Please INITIATE/START UNITED PRAYER AND BUILD A 24-HOUR HOUSE OF PRAYER 7-DAYS A WEEK CUZ GOD is ABOUT TO POUR OUT the SPIRIT OF INTERCESSION AND GRACE TO PREPARE THAILAND FOR GREAT REVIVAL. YOUR BIBLE READING NEEDS TO INTENSIFY. The WHOLE BOOK OF HAGGAI is GOD'S MSG FOR YOU AS HIS AMBASSADORS FOR THAILAND. PLS LET The OTHER FILIPINO AMBASSADORS to READ THIS. WE LOVE YOU ALL AND ARE DECLARING GOD'S BLESSINGS FOR YOU.

Hatyai City Flood before my eyes

My first experience with flood was in year 2004. It was December and we just finished our Christmas party in school. We rode on our school's jeepney and got stranded because the jeepney's wheel got stuck in the mud and we're in the middle of nowhere. The driver left us to get help in the neighboring barangay. When he didn't come back for couple of hours we decided (I'm with my 2 co-teachers) to leave the jeepney before it will get dark. We passed through the flooded road which reached to my waist . That's my only encounter with flood and it doesn't scare me at all. I even attended my boyfriend's (my husband now) company's Christmas party few hours after that incident.

But my experience of FLOOD few days ago sent me to flood of emotions - panic, feeling out of control, anxiety, uncertainty, and disorientation!

Let me walk you through my journey starting on November 1.

November 1 6:35, at home

It's the first day of school for the 2nd semester and as early as that we're ready for school but it's raining so hard! We don't have any means of transportation except riding on our motorbike. When the rain stopped for awhile, we sped off to Hyzyd's babysitter. She's not expecting us to send Hyzyd that day because she thought that we're informed that a dam somewhere in Sadao need to be opened that day to pull the lake level down in a timely manner (this is according to Filipino friends they have living in Sadao and Padang Besar but in Thai news I didn't read about the opening of the dam, they simply put it that tropical depression that dumped two days of constant rain on southern Thailand has caused flooding) and it means FLOOD in the city. I'm shocked with the news and told her we'll be back after checking this piece of mind-numbing news to our school heads.
8:20-11:10 am
Only few students were present on that day but I still gave them the lessons I prepared on that day. The teachers didn't talk anything about that dam to be opened but I noticed that parents were swarming the place to get their kids! It's very alarming but our school head didn't say anything about suspending the class. I was on my way to printing my students grades when I met my co-teacher. She told me that a friends of hers in Padang Besar was informed by her director to call all her friends in Hatyai City to be ready because at 3:00 pm the dam will be opened. We told our head and our principal about it but it seems that they don't know anything about that and asked us to just wait for the school's manager's further instruction.

12:30 noon

After printing my documents outside my school's premises (the school's printer is kinda busy that day), the kindergarten teachers informed me that we could go home because the manager already declared that the afternoon class is suspended as well as the following day. I called my husband and asked him to be home earlier than 3:00 pm because I was worried that the road will be flooded and he couldn't pass and couldn't get home . I also informed my brother and friends to be ready and buy survival supplies that will last them for a week or more!

4:00 pm

I waited for my husband for almost 2 hours already and he's still didn't arrive at Hyzyd's babysitter's place. I called him but he's not picking up my calls. I was worried to my bones and prayed fervently that my hubby's just OK. After few minutes, he called me and told me that floods are everywhere and he's in the shop because the motorbike died after hitting flooded roads. If possible, he asked me if I could just walk with Hyzyd to return to our place before the water goes higher which I complied readily.

I trod this knee-level water carrying Hyzyd clod with raincoat in one hand and umbrella on the other and a heavy backpack.

7:00 pm

The night is so peaceful and the rain stopped already. We thought that if it's true that the dam will be opened, it won't reached us . We haven't moved our TV, fridge, books and other things yet upstairs . We were tired of what happened on that day. I was so tired of worrying about my husband. I'm so thankful to God that amidst all the flood he hit on the road, he arrived safe and sound.

10:30 pm

The sudden power failure woke me up and as I looked through our window it seems that only our soi, I mean our lane experienced the failure. All the rest have their lights on. I noticed that our neighbors were out and watching the road. Later did I know that they're waiting for the flood to come and to wake all the sleeping neighbors.

11:30 pm

We're already on bed and ready to sleep when I heard our landlady calling my hubby's name. She informed us that the water is already in our street. Good thing that Hyzyd is already sleeping deeply so I had time to help my hubby. We're all quick to take care of what needs to be done. My hubby spent most of his time helping our neighbors. To my disbelief, in only 30 minutes, the water already reached our front yard! I haven't yet transferred all my books and the CDs. My hubby was unscrewing our TV rack when the water reached our living room. There's no more time to disassemble it so we put it on our dining table hoping that the water will not reach it. No matter how I wanted to carry our bookshelf upstairs, we couldn't because it's big, bulky and heavy. It's hard to leave it along with our other belongings soaked in water. This flood really taught me to let go and let God. It seems unreal!

our TV rack on our dining table

my last glance of my precious bookshelf

November 2 at 1:14 am, our landlady helped me saved most of my books...she stayed with us and cooked for us. Thank you so much Auntie Saw.

November 2
8:01 am

The water is still rising and it already overflows from our fence. Our place is one of the areas that's engulfed by as much as 3 meters high of water.

Our first floor is fully occupied on the 2nd day of November.

November 3
6:41 am

The water started to recede.


November 4



Our place is strewn with mud, garbage and debris left behind by the flood. I can't wait to clean this up but our water will not be available until tomorrow.

We're blessed by our neighbors. Before we could ask for help, they showered us with water,food and milk for Hyzyd. The full force of the emotional flood tends to hit me after the flood and it's tempting to avail one of those Orlando vacations packages I saw on the net to escape exhaustion, grief, desperation and depression but by God's grace (and because you prayed for us) we're coping well. Last night we already have our electricity and internet so we have the time to inform our family back in the Philippines that we're fine.

It is a good thing that this flood event only come once in a decade.