雹
=
雨
+
包
:
When Beelzebub (b) didn't invent hail (雹) storms yet he just had let it rain (雨) colorful handbags (包), especially just inside the aorta's kitchen (ao2).
灾
=
宀
+
火
:
Zorro (z) just earned his PhD and is celebrating it with a bonfire (火) in front of the airplane (ai1), but then he accidentally drops his graduation cap (宀) and his certificate into the fire! What a disaster (灾)!