8+ 地震補償保険とは Article

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Introduction

Japan is one of the most earthquake-prone countries in the world, and the government has put in place various measures to help residents cope with the aftermath of these natural disasters. One of the measures is earthquake compensation insurance, which is designed to provide financial support to homeowners and businesses affected by earthquakes. In this article, we will explain what earthquake compensation insurance is and how it works.

What is earthquake compensation insurance?

Earthquake compensation insurance is a type of insurance that provides compensation to homeowners and businesses for damages caused by earthquakes. This insurance is mandatory for all homeowners who have a mortgage on their property. The insurance covers damages to the building and its contents caused by earthquakes, and it also covers the cost of temporary housing if the homeowner is unable to live in their home due to earthquake damage.

How does earthquake compensation insurance work?

The insurance is provided by various insurance companies in Japan, and the cost of the insurance varies depending on the location and value of the property. The insurance premiums are paid annually, and the coverage is valid for one year. If an earthquake occurs and damages a home or business, the homeowner or business owner must file a claim with their insurance company. The insurance company will send an assessor to evaluate the damage and determine the amount of compensation that the homeowner or business owner is entitled to.

What does earthquake compensation insurance cover?

Earthquake compensation insurance covers damages to the building and its contents caused by earthquakes. This includes damages to the foundation, walls, roof, and floors of the building. It also covers damages to furniture, appliances, and other personal belongings that are inside the building. Additionally, the insurance covers the cost of temporary housing if the homeowner or business owner is unable to live or work in their property due to earthquake damage. This includes the cost of rent, utilities, and other living expenses.

Exclusions

There are some exclusions to earthquake compensation insurance. For example, damages to vehicles and other outdoor property are not covered by the insurance. Additionally, damages caused by tsunamis, volcanic eruptions, or other natural disasters are not covered by the insurance.

Conclusion

Earthquake compensation insurance is an important part of living in Japan. It provides financial support to homeowners and businesses affected by earthquakes, and it helps to ensure that people can quickly recover from the damage caused by these natural disasters. If you are a homeowner or business owner in Japan, it is important to understand how earthquake compensation insurance works and to make sure that you are properly covered.