Must Know マンション 共用 部分 保険 For You
Introduction
As a condominium owner in Japan, it's important to understand the concept of "共用部分" (kyoyo bubun), or common areas. These are areas within a condominium complex that are collectively owned by all the residents, such as the lobby, elevator, and hallways. In the event of damage or loss to these areas, the responsibility for repair or replacement falls on all the owners, as outlined in the "共用部分保険" (kyoyo bubun hoken) policy.
What is Condominium Common Area Insurance?
Condominium common area insurance is a type of insurance policy that covers the shared areas of a condominium complex. This policy is typically taken out by the condominium corporation or management association, and covers damages or losses to the common areas that are caused by events like fire, water damage, or natural disasters.
Who is Covered?
All owners of units within the condominium complex are covered by the common area insurance policy, as they all share responsibility for the upkeep and maintenance of the common areas. In some cases, tenants may also be covered if it is included in their lease agreement.
What is Covered?
The common area insurance policy typically covers damages or losses to the shared areas of the condominium complex. This includes the building structure, common walls, roof, lobby, hallways, elevators, and any shared amenities like a gym or pool. The policy may also cover liability in the event of injury or damage caused by the common areas.
What is Not Covered?
While common area insurance covers a wide range of damages and losses, there are some things that are typically excluded from coverage. These may include damages caused by intentional acts, like vandalism or theft, as well as damages caused by wear and tear or lack of maintenance.
How is Premium Determined?
The premium for the common area insurance policy is typically determined based on a number of factors, including the size of the complex, the age and condition of the building, and the level of coverage required. Premiums may also vary depending on the location of the complex and the level of risk associated with that area.
What Happens in the Event of a Claim?
If there is damage or loss to the common areas of the condominium complex, a claim can be made to the common area insurance policy. The condominium corporation or management association will typically handle the claim process, and owners will be notified of any necessary repairs or replacements. Owners may be required to pay a deductible or other fees associated with the claim.
Conclusion
Understanding common area insurance is an important part of being a condominium owner in Japan. By knowing what is covered and what is not, owners can ensure that they are adequately protected in the event of a loss. It's also important to stay up-to-date on any changes to the policy or premium rates, and to work with the condominium corporation or management association to maintain the shared areas of the complex.
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