This story examines the devastating floods in Kindu and Uvira, Democratic Republic of the Congo, where tens of thousands of people have been displaced and homes, livelihoods, and critical infrastructure have been destroyed. As climate impacts continue to exceed communities' capacity to adapt, the crisis underscores the urgent need to fully operationalize the Loss and Damage Fund with finance that is rapid, accessible, and grant-based. It is a stark reminder that loss and damage is not a future risk, but a present-day reality that demands immediate action and a just global response.