What should I do after a fire has taken place at my house?

Last articleSo I told you the details of the fire happened, but it is after that really hard. So, after the fire happens, I will try to summarize what will happen and what should be done. Unlike the funerary which surely encounters surely within a lifetime, according to the insurance company person "The probability of being a fire is not once in a lifetime, the probability once in 300 years"It is a type of event that we rarely encounter or do not want to encounter, so there are many things that you do not know as you know.

Details are as below.
■ Extinguished
A fire broke out at 119, even if a fire engine came and was on fire, various work is waiting. First of all, I will report who is in the building which firemen are burning in usually. Everyone who lives in the same residence will evacuate to the outside while extinguishing the fire.

Next, we will identify the person responsible for the building. If it is an apartment or condominium it is a landlord, otherwise it is the building owner of that residence, this time it is the building of the company, so he will be the representative director. Then, the responsible person and the two parties who became the cause of the fire fight hit various procedures in the future.

1. Explanation of circumstances for fire fighting records
Explain to the person in the fire department what caused the fire caused by what. In that case, you will be asked for name, age, date of birth, and address. In addition, this time it is a company, so it is rough though what kind of work is doing but it will answer. I will answer how many floors you have and what room you fire from.

2. Explain to police
Next time we will explain the same way as the police person comes. While the fire department is a firefighting record such as the cause of fire, the police will investigate from the viewpoint of whether it is an incident or an accident. Cause of fire was clear this time, but explanation of circumstances is necessary even once.

3. Licensing of house walls and ceiling destruction
In the case of firefighting activities, there are cases where the walls of the room and the ceiling are burnt by heat and there may be further burning cases, so there are cases where it is necessary to destroy them, in that case they will be called beforehand and receive explanation of the circumstances. Before breaking down, I feel like I'm dangerous because it's dangerous, using a monitor like a meter to see the heat. Also, it seems that even if smoke does not escape from the room it may destroy.

■ Immediately after extinguishing the fire
Even if extinguishment came to a close, it is not over yet, rather it started from here.

4. Explanation from a person from a gas company
When a fire occurs, gas companies and electric companies are always called from firefighting. People at the gas company will check the main gas of the gas etc. This time the gascock in the kitchen is deformed by heat, so it is in a state where it can not be used properly until the kitchen itself is repaired, so I asked for closure processing on the spot.

5. Explanation from electric company
Because water is sprinkled for fire fighting activities, breakers are dropped as the electricity leaks or the insulation state gets worse. Regarding this, we will return to original after water is pulled and become safe, but later we will call the electrician on our own and write a postcard "Information on the results of the electrical equipment survey". In other words, because the light circuit may be wrong due to water discharge at the time of a fire, I investigated it, it is a report that it was fine as a result.

6. Receive 'Disaster situation declaration form' from the fire department
It is intended to have "fire certificate" necessary for fire insurance procedure to be issued, and it is required to submit in accordance with Article 34 of the Fire Service Law. It will be issued within 5 days from receipt.






■ Insurance Procedure
This time it is our own building, so there are no other tenants in it, so there was nothing like being done to the landlord, but I can not leave behind after burning. I have to repair it properly and return it to the state so that it can be used again. Despite having no probability of being encountered only once in 300 years this time60% of Japanese citizens are subscribedI decided to use fire insurance which is said to be. Although insurance for such occasions, there were lots of things I do not know unlike other insurance.

7. Shoot site photos
The fire department, the police, the electric company, the gas company is after the departure is the actual number. First of all, we will shoot as many photos as possible on site. This may be useful in the case of a subsequent insurance claim, so let's shoot everything in detail. It will be useful for writing the "disaster situation declaration form" mentioned above, so it is more convenient to shoot a lot. In many cases there are times when it is impossible to maintain a calm state of mind immediately after a fire has occurred, so in that case it is safe for those who asked a reliable and familiar person to take a picture, Please give it to me.

8. Contact the insurance company
The site after the fire is so painful that you will want to clean up immediately, but let's leave it as it is until the insurance company comes and checks the situation. First of all it is a phone call to an insurance company. In the case of GIGAZINESompo JapanWas used. When you call, you need something on the following page as you need it.

Yahoo! Insurance - Learn Fire Insurance "Flow of Claim Procedure"

9. An expert witness comes.
Well, for fire insurance we need as much insurance fee as possible, but obviously the insurance company is reluctant to pay. Therefore, a professional who appraises from a neutral point of view, "expert witness" will be the turn.

Insurance payment procedure and expert witness such as fire

For insurance policyholders, I want a lot of insurance money, and as a property insurance company I want to save insurance money as much as possible. In the field of such insurance payment, the existence of the expert witness who is a professional who appraises from the neutral viewpoint which is apart from the interests of both can certainly leave the assessment in a certain sense.

This timeWakaba comprehensive judgmentIt is supposed to come.

So we arrived at the appraiser around 13 o'clock on October 7, 2007. I will pick up business cards and show them to the site. Although electricity is stopped, there is no lighting, but the expert witness was bringing a flashlight properly in case it is dark and I do not know well, it is a truth. At this time, if there is a drawing describing the layout of the building, we will present the drawing, but since there was no drawing this time, we measure using the measure on the spot and create a simple drawing. Also, because it is Sunday this time it is not possible to contact the insurance company online, so I presented the insurance policy I had, I went to see what kind of insurance it was and the category of insurance.

As a result, the object of insurance was found to be "building" and "goods". Because there was not any damage on goods this time, only "building". We do not have furniture and products owned by the company, so sorry about that, sorry. I decided to keep insurance properly from next time. So-called household property insurance etc. falls under that.

Yahoo! Insurance - Learn fire insurance "Household goods insurance"

By the way, in the case of the fire insurance this time, according to the explanation of the expert witness, "The building refers to something like the one screwed to the building itself from the beginning at the time of building". For example, shelves from the beginning on the kitchen, lighting on the ceiling, air conditioners for installation, antenna wires, bathroom, etc. are all categories of buildings, but gas stoves, washing machines, rice cookers etc are not included.

As a subsequent procedure, you will have to call Mr. Tsubakiya or electric shop to get an estimate for returning to the current situation. I will fax it to the expert's office. However, in the case of this time, if the kitchen deletes it in consideration of future "watch out for fire", that amount will be added to the insurance payment. In addition, even if a case where the highest price is taken by taking a matching estimate is issued, the insurance company will calculate the estimate separately, so it will take time to consult separately if it is too far apart .

According to the expert witness, the possibility that the insurance company say "Employees should be compensated because they are negligent by their employees" may be considered depending on circumstances, but in this case it is a small amount, so it must be such a thing Thing. In the case of burning down etc, it seems that there are cases where it will be settled around here.

In addition, if the amount of insurance costs only hundreds of thousands of yen, there will be only a simple procedure, but if the insurance amount exceeds several million yen, registration will be made to prove if the owner of the building is sag It is said that you may be asked to submit a book. In that case, it is usual for a person listed in the register to insure the insurance, so if you are insurance under the corporate name but you are an individual in the register, the change procedure will be required separately, so extra time It is said that it will take. There seems to be some kind of troublesome steps, but in the end there was nothing without it and it was safe and sound.

In fact, it seems that an insurance company informs us of the confirmation, but since this was absent on the first phone, it was said that "I will call you again", but after that, the phone call will not take place after all It was.

10. Have a quotation issued
An estimate for returning to the insurance company is required, so let's call a remodeling agent and make a quote. In fact, you will have the work done after having you come and then have the drawing drawing. It is not much different from normal renovation, but if you open a hole in the ceiling or wall during a fire fighting work, that part will also be covered by insurance so let me properly tell you. Also, even if it is not particularly damaged, the strength of the material itself of the building will be greatly reduced by being rapidly cooled by being subjected to rapid heat and extinguishing, so we will ask you to investigate that point as well. Let's see. Although it looks okay, it may be said to be quite dangerous in reality. In this case, it was on October 7th that I asked for it in various ways since I asked for it on October 7, and the estimate finally completed.

11. Have "a certificate of disaster" issued
Well, in order to have insurance you need another thing called "Rigid Certificate". This is OK if you submit it within 5 days after filling in the necessary information on the "Disaster Status Declaration Form" available from the fire department immediately after the fire fighting. Although the entries vary widely, it seems that you do not care about the part you do not understand. Issuance fee was 100 yen per one sheet.

12. Fill out the insurance claim
On October 29, "insurance claim" has been mailed, so fill it in and send it back. Let's do the work around here promptly.



13. Transfer from insurance company
Therefore, it was November 13 when the insurance price was finally transferred. In addition, this time it seems that there was never contacted to the remodeling agent this time, but usually it is "Will it be payment of this kind if it is an estimate of this feeling?", So at least once confirmation before transfer It is said that there is a degree. It seems rare that the case of transferring suddenly without confirmation. Apparently Sompo Japan seems to be such a principle.

So, there are also many other things, and in reality it is actually starting the restoration work (same as so-called reform) from the 25th. This matter will be completed around February next year, so we will report again at that time.