火災保険の補償金額って？？　キソ編

皆さんこんにちは！

前回は火災保険のハザードマップについてお伝えしました。

皆さんの地域ではどうだったでしょうか？

２０年前と今とでは地域の環境か違っています。

もし見ていない方がいらっしゃれば、みてはいかがでしょうか？

もし分からないという方はご相談ください。

ハザードマップを無料で送らせていただきます🌝

さて今回は・・・・

火災保険の金額についてです。

新築を建てる人は建てる金額は分かると思いますが・・・

Q建てた金額が不明な物件などはどう試算すればいいでしょうか？

大体の思う金額できめればいい？？　　１０００万？１５００万？

よくご相談で多く言われるのが『１０００万くらいじゃないですかね？』

という言葉です。

まず『新価』『時価』という保険用語があります。

『新価』・・・新品に建て直すための価額

『時価』・・・新価　－　時間経過による消耗分

昔の火災保険だと時価で保険金を支払う方法でご契約されている方もいらっしゃるのではないでしょうか？

時価だと車の価値が下がると同じイメージで年々建物の価値は下がっていきます。

火災保険の保険事故としてお渡しできる金額が少なくなります。（これはけっこう恐ろしいことに💦）

逆に新価だと１０年後、２０年後でも建てた時の金額が補償されるので重要なキーワードです

保険証券を確認してみて新価払いなのか時価額払いなのか？

１度確認してみてください。

なお再調達価格という言葉もあります。

火災保険の設定する金額は建てた時の金額が重要です。

建てた時の金額が不明であれば建物の構造で保険金額を出すという事も可能です。

ご不明であればご相談ください。

これは次回お伝えします🌝

今週もありがとうございました。

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