②火災保険活用によるリホーム費用が請求できるケースについて

火災保険の活用によるリフォーム節約術

②火災保険活用によるリホーム費用が請求できるケースについて

先ほど触れましたように、火災保険は火事による被害で保険が下りる、という認識を持っている方が一般的です。

しかし、火災保険は契約内容にもよりますが、ほとんどの場合、風水害や雪害などの自然災害に対しても補償しています。

近年の異常気象による自然災害によって、家の修理を余儀なくされて、火災保険を利用するケースが増えています。
火災保険の対象となるのはどのような場合なのか、見てみましょう。

 

火災保険を使ってリフォームできるケースとできないケース

10年以上前に契約している特約火災保険や火災保険は、自然災害などの被害は最大7割までの補償となっていることが多いようです。

また、各共済の風水害保障は、お見舞い金として保障額が支払われますが、損害金額全額はカバーできないので、内容を確認する必要があります。

 

では、火災保険の自然災害補償では、どのようなリフォームができるのか?

火災保険でリフォームできるもの
火災保険の事故件数ランキングで、一番多いのが風災、水災、雪災、雹災だといわれています。

実際に火災保険を請求できる建物の被害で多いのは、台風や豪雨による雨漏り、強風や突風による雨樋の破損、大雪による雨樋の歪み、台風などによる屋根瓦の破損、スレート屋根の浮きや棟板金や釘の浮きなどです。

また、外構で多い事故は、積雪でのガレージやベランダ屋根の破損や傾き、雹によってガレージに穴が開いてしまった、または強風でウッドフェンスが倒れてしまったなどです。

一方、
火災保険でリフォームできないもの
経年変化による破損、修理したことがある部分の雨漏り、新築時から雨漏りしている、
太陽光パネルの設置後の雨漏り、増築などの工事後の屋根瓦の割れなどは、保険適用外です。

但し、経年変化で破損したのか、自然災害で破損したのか分からない場合は、保険会社に依頼して、第三者機関の保険鑑定人に調査してもらうこともできます。

自然災害ではない破損や雨漏りなども、リフォームの補償対象にはなりません。

ここ最近は、大型台風や以上気象による水害などが全国各地で発生しています。
ご自宅の家屋の補修箇所が火災保険が適用できないか是非、一度点検してみませんか?

安心・安全の火災保険活用の教科書

 

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