the first place and fire insurance? misunderstanding ranking

1st rank “never spread of fire damage! Naturally, it compensates claims to the fire origin!”

When it encountered to spread of fire damage in the fire from the neighboring house, just constructed the pad is burnt down?
The one which you think that in the neighboring house which is the fire cause, there is a responsibility which rebuilds the pad as before is more, probably will be.

However, in the fire it is special law of civil law, “the law regarding the responsibility of misfire”, there is an alias misfire method, the effect which escapes reparations obligation concerning the fire which the fire origin occurs absent-mindedly with mistake is decided.
In other words, you receiving spread of fire damage, as for compensating claiming to the neighboring house which is the fire cause it is not to be possible.There is no fault completely in you yourself, even with when, because it is not the case that it can receive compensation very, it is to have the necessity anyone unilaterally there is cause in the neighboring house which is the fire cause to enter to fire insurance.

The fire absent-mindedly due to the mistake referred to here, for example the forgetting to turn off of the stove (note: Always so it does not limit, the case bi- case) and the like, it points to the fire where little carelessness occurs in the origin with individual concrete circumstance.In that case, you being able to give spread of fire damage from the neighboring house, reparations obligation is not received.

on the other hand, deliberately (= purpose this is called) is not the case in, fire occurred because it failed to become a great result even though it if you do not pay enough attention can be assumed, in the past, but precedents have been certified and the fire was caused by gross negligence the accident that left the field while heating the cooking oil, for example, in this case, misfire is not responsible for the application of, the linker compensation obligation, is provided by the victim compensation.

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of2ranked # my home in the flood disaster is an earthquake or! national and local compensation but will rely on

principle also suffered damage to houses in the earthquake self-responsibility

despite the loss of personal property in natural disasters, compensation from the central and local governments can not accept in principle. as victims support system based on law life support system reconstruction victims there are, financial support to the household as my home base was completely destroyed100million yen, if the construction of the building then, financial support as adding200maximum of ten thousand yen300benefit of only ten thousand yen. partially destroyed in the case of small than large-scale, at most250stays up to ten thousand yen. that it is not sufficient to rebuild life, not to mention.

be affected in a disaster, although it is not rare that many people, even if it means incurring major damage of tens of millions of yen level to the household once a disaster, compensation from the central and local governments can not be expected―. this is a reality we have a bunch of. against this backdrop, specieswho have objection to be provided by using, for example, fire insurance would be less of a disaster.

simply, risk of suffering various types of disasters, regional characteristics and location, varies depending on the situation because of the building, such as, or whether it is in my house how disaster risk, let’s consider the appropriate measures. in order to know the risks faced by disaster shelter is, many local governments have created hazard map to confirm the. assess the condition of the home thus risk, to join the appropriate fire insurance it is important to.

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of3ranked # total loss of the building when, insurance amount is written in the insurance policy=and insurance

in life insurance amount of insurance=insurance to be paid will be. surviving family will receive the insurance money of the amount stated in the insurance policy on the death of the person. life insurance amount that was promised in principle as long as it does not have a contract change is, in life insurance is also freedom of person or how much the amount of insurance.

fire insurance on the one hand, building such as disaster (or household goods) have suffered damage”compensation”, goal is to compensate for the loss that is. in maximum damage and loss to buildings, to receive insurance money more than the value of the building can not be. for example,, 3000any amount of insurance million yen, value of the building at the time of disaster2000after ten thousand yen, and it, also insurance to be paid2000million yen. some in the value of the building2000insurance for more than ten thousand yen will not receive.
value of the building are determined by the insurance company, from the time the contract because of the changing trend of prices by, even then the correct amount at the time of contract5revised each year to about. this is the trick to receive the proper insurance.

of4ranked # if a contract of fire insurance when the mortgage contract, household goods are also covered

in fire insurance building what is in my home’jaco’part of the, either household goods and refers to the electrical appliances and furniture and other household goods in general were placed after the carry from.

building and household goods, it is necessary to contract of fire insurance for each. as well as fire insurance, also true for earthquake insurance, each set to fire insurance. okay so the procedure along with the fire insurance when the mortgage contract i have more that, what is required at the time of contract of mortgage insurance is a lot of fire in the building part.

contract for the building but had been, for household goods was not a contract there is no case that is less. if you do not have fire insurance contracts of household goods in the building only, beware of damage to household goods so received are not covered.
it should be noted, fire insurance is recommended when the mortgage contract, it does not always have to contract. compensation appropriate to the risk situation of my home, i would choose to take an estimate in advance.
it should be noted, when the estimate is, you may need to be furnished several documents which indicate the status of my home.

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of5ranked # when the most simple fire insurance, compensation fire can only

for damage caused by lightning strike, receive the cover with the fire insurance

what in the fire insurance, mutual aid or even fire, it will be a minimum cover explosion, fire, lightning or explosion is the damage of. in particular for the lightning strike, things with their own fire insurance are not covered, about some survey results that there are many people who believe that, awareness is so low.

to say that lightning, to lightning strike directly to my home is rare, many people should be experienced if the accident is such as to short by lightning a tv or pc to a neighbor. even for such damage, as for the damages caused by lightning, it will be covered. please remember all means.

fire mutual aid not only in fire insurance, there are many products package, specieshas to be able to cover the damage. simply, if you do not even know what that can be loosely cover any damage, difficult to help when it comes to the crunch. on this occasion, agreement about the contents of your own, once or try to ascertain how will.

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summary
my home important, speciesalso suffered the damage caused by disasters, in our country, do reconstruction on their own life has been in principle. so it becomes important to have fire insurance to protect my home and household goods. i understand that many misunderstanding from the meat, for help in an emergency emergency goods that is why, what are you what kind of contract, it is important that you know well. you should check with the opportunity to properly capture.

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