Influenced by the combined effects of moisture transport from the super typhoon "Bavi" and a cold air mass, Beijing experienced its most intense rainfall since the start of this year's flood season from July 10th to the morning of July 12th. The city was hit by widespread heavy rain, with areas like Pinggu and Miyun experiencing torrential downpours. Facing the severe flood situation, under the guidance of the Beijing Local Financial Regulatory Administration, the city's insurance industry responded swiftly and implemented comprehensive measures. It immediately activated major disaster emergency response mechanisms, building flood prevention safety defenses from multiple dimensions including expedited claims settlement, risk mitigation, and technology empowerment to safeguard the property of the capital's residents.

As of 9:00 AM on July 13th, property and casualty insurance institutions under the administration's jurisdiction had collectively received 1,750 claims related to the rainstorm across various insurance types, with estimated losses amounting to 25.84 million yuan. These insurers dispatched a total of 815 rescue personnel and 717 rescue vehicles.

Expedited Claims Settlement: Swift and Compassionate Service

When the rainstorm struck, claims service became the most direct test of the insurance industry's emergency response capabilities. At 9:00 AM on July 12th, Mr. Rong, a resident of Shunyi District, reported water leakage from his roof and damage to interior walls. Considering the poor road conditions in rural areas and the inconvenience of traveling to handle business, PICC Property and Casualty Company Limited Beijing Branch opened an online fast-track claims channel for small-amount home property insurance, implementing convenient policies that waived weather certificates and invoices, significantly streamlining the claims process. Claims personnel remotely guided the customer to photograph the damage and directed them to use a mobile app for self-service online processing. The case was settled and compensation paid within half an hour. "I thought I would have to wait for several days, but the claim was handled quickly right at home," Mr. Rong remarked.

On the same day, PICC also swiftly settled the first agricultural insurance claim from this round of heavy rain. Adjusters used an intelligent digital agricultural insurance platform for on-site field inspection, completing the process from survey to payment in just 39 minutes. Statistics show that from midnight to 4:00 PM on July 12th, PICC Beijing Branch received 1,364 auto insurance claims, including 392 related to the rainstorm, and 115 non-auto claims. It handled 246 water-submerged vehicle rescues, primarily in Tongzhou and Daxing districts.

China Pacific Property Insurance Co., Ltd. Beijing Branch immediately activated a Level 1 emergency response for major disasters, strictly adhering to its service principles of being "Worry-free, Carefree, and Reassuring." Early on the 12th, multiple Pacific rescue teams were dispatched to severely waterlogged areas in Tongzhou and Daxing. They set up warning signs at flooded road sections and coordinated with road administration staff to advise vehicles to stay away from dangerous waters. At a low-lying parking lot in Yunjing Xili, Tongzhou District, where nearly a hundred private cars were submerged, adjusters Jin Shaohai and Jiang Hongliang waded through knee-deep water to register vehicle information one by one, simultaneously explaining towing arrangements and the damage assessment and payment process on-site.

In the agricultural insurance sector, Li Guoli, head of the Tongzhou sub-branch, led agricultural claims specialists Wang Xin and Yuan Man to the Beijing Grape Grand View Garden. They promptly entered dozens of affected greenhouses for on-site inspection, guided farmers in trenching for drainage and emergency self-rescue measures, quickly assessed the damaged area, and advanced the loss assessment and payment process to provide financial support for farmers to repair facilities and replant for recovery.

Technology Empowerment: Precise Delivery of Risk Mitigation Services

Prior to the rainstorm's arrival, several Beijing insurance institutions had already entered a "wartime footing." On July 8th, ahead of the heavy rain warning, Ping An Property & Casualty Insurance Company of China, Ltd. held a major disaster initiation meeting to comprehensively deploy flood prevention and disaster response work across its institutions. Following the meeting, Ping An P&C Beijing Branch promptly held an implementation meeting, requiring all departments and business lines to immediately enter a wartime state, ensuring personnel, supplies, and responsibilities were in place, and going all out to handle flood prevention and disaster response tasks.

According to major disaster response standards, the company implemented 11 core tasks: configuring disaster operation rules and adjusting strategies, ensuring 24/7 staffing for relevant positions, completing inventory of disaster response supplies, putting 79 dedicated physical rescue vehicles on standby, and establishing information-sharing mechanisms with local traffic police departments. For key areas historically prone to severe flooding during rainstorms, the company organized specialized inspection teams to visit each location, providing immediate on-site handling and setting up controls for potential hazard points, arranging dedicated personnel for monitoring, and promptly advising surrounding滞留人员和车辆 to leave.

Technological means played a crucial role in this round of flood prevention. Ping An P&C relied on its Ping An Eagle Eye DRS 3.0 intelligent disaster warning platform to dynamically monitor major water accumulation points, underground spaces, low-lying road sections, and construction sites in Beijing. It precisely identified risk points for insured vehicles, corporate clients, and agricultural insurance targets, and pushed risk alerts and avoidance guidance through its Enterprise Bao APP, Good Driver APP, SMS, email, and corporate WeChat customer groups.

China Pacific P&C Beijing Branch established a major disaster emergency command center, utilizing a digital disaster monitoring platform to track water accumulation and rainfall dynamics in various districts in real-time, and coordinating the allocation of emergency resources across the region. It prepared 130 professional tow trucks and 60 survey vehicles, and equipped them with professional flood control devices like water accumulation warning signs, quick-release life rings, waterproof endoscopes, and water level gauges.

Before the disaster, the company's staff proactively visited local enterprises and low-lying businesses, providing specialized flood prevention整改建议 for underground spaces, electrical equipment, and stored goods. They coordinated with agricultural experts to visit fields and orchards in advance, guiding farmers to reinforce structures and clear drainage. Online, they used WeChat service accounts, short videos, and corporate WeChat管家 to push暴雨避险提示 in batches, accurately reaching nearly 3 million customers with clear information on safety precautions for personnel, vehicle parking, and other key points.

The Beijing Local Financial Regulatory Administration stated that its next steps will involve guiding institutions under its jurisdiction to compensate all eligible claims promptly, make advance payments reasonably where possible, and effectively safeguard the lives and property of the people.