Ask representative survey of the damage the back side of the fire accident insurance

This time, it is the interview two you have taken charge damage investigation regarding, the fire accident to.It is N which belongs by the company which designates H and the damage investigation which have taken charge damage investigation as one of line of business in the damage service section of the Sezon automobile fire, participates as a surveyor.You can hear your what kind of story, it is the pleasure.
So, right away, story probably will be asked.

But as for claim being many “water getting wet damage”

Fire insurance, as for claim being many “the water it gets wet”

Shimizu With fire insurance, it means that the claim regarding some accident is many?

It depends on H don’t you think? area.In every area there is a feature in claim.For example, among Kyushu wind disaster is many, is and, among northeast district snow disaster is many.At north Kanto such as Gunma, the damage by the thunderbolt being many, the shank.Also the influence with unusual weather recently seems a certain way.

Shimizu So, as for being many regardless of area?

The H apartment and Ichinohe to build and not question, claim of “water getting wet damage” being many, the shank.

Shimizu Water getting wet damage points to the thing of the water getting wet due to the fixed accident which happens with plumbing equipment don’t you think? (“some kind of damage becomes water getting wet damage?” ).

N So is.Simply, here is that the person who is misunderstood is many, but is not the case, everything of water getting wet damage object of fire insurance, it is.a lot of damage you, but wet contact us, but in many cases is not subject to payment of insurance.

Hmr. there are many accidents in the typhoon is wet it is outside the scope of the insurance payment. for example,, the first place or have a gap in the building, there was a defect in the building, of rain by typhoon blowing damage it occurs, case became wet. this is not exempt from payment of insurance money. building is broken by the wind of typhoon, if you do the damage was caused by rain blowing in it, fusai ( what is it evil snow leopard-wind disaster disaster? ) why do i get insurance money so paid, if the building was broken the first place, it is wind and rain from blowing is inevitable, is not become exempt from payment of insurance. if a defect in the building that, you may also receive compensation from the contractors and distributors within a certain period of time from date of purchase if.

shimizu aging accidents resulting from what will happen?

Hmr. damage caused by an accidental fire, accident insurance that are described in the terms and conditions is subject. so, cause is subject to moisture or if by some chance accident, what happened to aging is of course by inevitable . if you do not cause the accident was due to a coincidence, subject to payment of fire insurance will not be.

trouble occurred in the aging of the building inevitable

aging is inevitable in any building

shimizu in any building, over time to avoid the aging can not be. the cause of the accident is because aging is, although outside the scope of insurance is that the fire, what could be the case any concrete?

Nmr. for example,, such as old public housing, the drainage tube aneurysm rust (kelp) may have can be. that is, drainage pipe that is not ready to hardening of the arteries in aging, is no less than that drainage capacity becomes half this would happen to. in these conditions, for example, if you leave out water, wet water overflowing drainage water can not keep pace, this may be an. however, aneurysms can occur inevitably rust by aging. moisture occurred in the reduction of drainage capacity from accident to accident not per, insurance is not paid.

Hmr. it also has drainage problems of the veranda. state, such as the pool veranda overflowing drains veranda just rained violently, is the case cause damage to indoor moisture surging water. simply, to become what the cause of these conditions without any, that would limit the drainage capacity of drainage facilities in the first place. since this is inevitably what happens and if so, the subject of fire insurance will not be.

shimizu i must own pocket damages recovered in wet, it is really painful.

Nmr. first, assumes a heavy rain of recent guerrilla, it is not the building have been made.

shimizu sonaruto, prior to fire insurance, live or where, the choice of such a building is and how, i will be most important not to suffer damage.

Nmr. yes. in addition, can not forget the maintenance after purchase, the important point is for the first place do not cause accidents, no less unfortunately not enough customers.

shimizu fire insurance1this item is one of. it does not mean it is universal for the trouble of dwelling. if you purchase a home, at the same time to understand the contents of fire insurance compensation, i must be prepared separately as well as repair of the building cost required at the time of the contingency.

Nmr. if the accident was not covered by insurance payments, it is not covered by this accident insurance payments, i shall explain firmly and, there also has suffered a big loss, some customers i can not tough to swallow.

shimizu anyway, at the time of contract, not be verified properly de what if insurance comes into, also important to not be in trouble at the time of invoicing, it is that.

Nmr. yes. fire insurance is insurance i think is very important confirmation of when the contract.

moisture damage to the houses of others exerted personal liability insurance in

moisture damage to the downstairs personal liability insurance in

Hmr. by the way, water is wet afraid damage, in the home of his only loss of is that there is a sorry case. 10in the water leak occurred in the floor, 1it counts no less than that to become waterlogged floor. sonaruto, damage to the home of their own can receive is, of course, results in liability for damage to household exerted a downstairs. that is, to restore the house to fix, i do not should not have to shoulder the cost of repair.

Nmr. not only that, but. if such a state can not live in the wet, household of the victim will require temporary residence. the perpetrator, not only direct damages, result of damage, need not have to pay these costs indirectly caused will not be. therefore, in the case exerted a damage to more than one household, the amount of compensation may also be serious, such as tens of millions of yen.

shimizu it is very! but, in these cases, personal liability insurance ( and personal liability insurance is? ) if there is a contract of, you can get it to compensate for the cost of repair of household victim.

Hmr. yes. simply, personal liability insurance is, when an agreement has legal responsibility for damages, is to compensate for the damage. that is, rather than a fault of the contractor, such as, for example,, if the accident was caused by mistakes such as the construction contractor interior renovation was subjected to, will receive compensation from the contractor. or, if you buy a house after renovation, i will receive compensation from the house seller. relationship is not clear responsibility at such a, it is often not receive compensation from insurance companies rapid.

shimizu once you have clearly and then i claim that the perpetrators gonna be. but, if damages arise in water leakage once, households from the victim may also become urgent situation, such as no longer live in that house, so i end up trouble. also said to clarify the cause, it will take time ·

Hmr. exactly. or take the estimate, in the flow, such as-it-scrutiny or expert witness, 2~3in some cases, it can not recover their remains months. but, so there are persons in need actually receive damage, the company, first from the perspective of victims, urgent cases are, customers (and insured contractor) it supports step in anticipation that there may be a liability to.

shimizu that’s it survives. but, once you know later that there was no cause to subscribers, insurance is paid to the victim or do you do?

Nmr. after insurance paid to victims, the cause of the accident was a renovation contractor, for example, if such is the, within the scope of the insurance money paid, contractor to obtain reimbursement from insurance companies to (seek compensation) to the.

shimizu i see. akumademo, it is a muscle thing is to shoulder the cost of repair is the person responsible for the accident.

also from their own fire insurance even if it receives compensation insurance cost will get

Hmr. the way, if you are receiving compensation for house repair costs, etc. from personal liability insurance of the perpetrator is the victim, to receive insurance money from fire insurance contract itself that can not be. 1for any losses incurred by one, to receive insurance money to double so it does not. simply, to its own fire insurance insurance cost ( of fire insurance insurance cost and is? ) if it is set is, here you’ll receive a separate.

shimizu in, if insurance costs are set to fire insurance, i should not and does not charge do not forget. recent fire insurance, but some are cost free connection and disconnection of insurance, what previously had been sold, there is no freedom of detachable subscribers, you have been automatically been set. (that2continued)

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