Handling Water Damage Claims In Your Japanese Home Insurance Policy – Erin Gobler is a personal finance writer based in Madison, Wisconsin. He writes about topics such as budgeting, student loans, credit, mortgages, investing and insurance. Her work has been published in financial publications and startups such as NextAdvisor, The Simple Dollar, LendingTree, Robinhood and more.
Flooding is one of the most common causes of home damage, and water damage accounts for nearly a quarter of homeowner insurance claims, according to the Insurance Information Institute. Whether it’s the result of a massive storm or faulty plumbing in your home, flooding can be catastrophic. As a result, it is best to take steps now to ensure that your home is protected from flooding and other types of water damage.
Handling Water Damage Claims In Your Japanese Home Insurance Policy
In this guide, we’ve put together a checklist of nine things you can do today to protect your home and your belongings from water damage.
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One of the most important steps in preventing home flooding is to assess your flood risk. Some parts of the country are at higher risk of flooding and therefore need to take extra precautions to keep their homes safe and dry. Any area with at least a one percent chance of flooding is considered a special flood hazard area by FEMA. People in these areas should take extra precautions to prevent flooding in their homes. You can use FEMA’s flood map to determine if your home is considered a high-risk area.
If there are cracks in your home’s foundation, water can enter and cause damage. Water accumulation can also weaken your home’s foundation over time, leading to more serious problems. Use mortar or caulk to seal any cracks and fill any voids in the foundation. You can also seal your basement walls to further waterproof them.
Clogged downspouts and storm drains can prevent water from flowing freely, causing it to pool and pool around your home. As water forms, it is more likely to seep between shingles, behind siding, and into other cracks. The best way to avoid this is to schedule regular maintenance on your gutters, downspouts, and storm drains. Also, make sure your downspouts point away from the house.
A flood sensor can help ensure that if your home begins to flood, you will be notified immediately. These sensors are triggered when they come into contact with water, so place them behind toilets, under sinks, near appliances and in the basement. Notifying you of flooding in your home even a few minutes earlier could save you hundreds of dollars – if not more.
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Flood sensors detect water when it comes into contact with both metal probes on the device, allowing current to flow. Chris Monroe/
There are many types of flood sensors to choose from, with prices ranging from as little as $20 to nearly $100. Some home security companies also offer flood sensors as part of their home security systems.
If you have any leaks in your pipes or roof – even minor ones – fix them as soon as possible. Even if these leaks haven’t caused problems in the past, they could indicate places where problems are more likely in the future. The last thing you want is a huge storm to show you how serious that tiny leak was. Even if you haven’t experienced any problems with leaks, it’s a good practice to keep an eye out for anything that might leak in your home so you can catch it right away. That means checking ceilings for water stains, checking under bathroom and kitchen cabinets for water-swollen wood, and checking around the base of your HVAC and water heater for buildup.
Grading is all about the shape and angle of your backyard. An effective way to prevent flooding is to get a ground check to make sure the land around your house is level and that the lawn is not leveled towards your house. If so, it’s likely that water will collect around your home when it rains, making it more likely to flood. Instead, your yard should be landscaped to direct rainwater away from your home.
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A sump pump is a device designed to pump groundwater from your home and direct it away from your pipes and foundation. These devices are installed in a sump at the lowest point of your home, usually in the basement. When there is heavy rain or moisture in the ground, the sump pump automatically activates and pumps the water away. These devices can help keep your basement water-free and help prevent problems like mold and mildew, foundation damage, and other disasters.
If you live in an area with frequent flooding—or finding water in your basement is a seasonal occurrence—make sure you protect your appliances, utilities, and other electrical equipment around your home. You can lift electrical switches, circuit breakers, and switches at least one foot off the floor to prevent electrical damage. You can also elevate your HVAC system and other major equipment so that they are at their lowest level and less likely to be damaged in the event of a flood.
Depending on how flood-prone your home is, you may want to consider raising your appliances slightly so they won’t be damaged in the event of minor flooding. Chris Monroe/
In a perfect world, you would never experience flooding in your home. That said, it’s not a bad idea to plan for the worst possible scenario.
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Most home insurance plans cover sudden and unforeseen instances of burst pipes and other causes of flooding, such as sewer backup, is often a fairly affordable addition. However, if you neglect the pipe and it bursts due to rust and age, your insurance probably won’t cover the damage.
If you live in an area with a high risk of flooding, you may need to take out flood insurance for your home. Even if it’s not required for you, it’s still something to consider depending on where you live.
The most important thing is to do your research: check your pipes for rust and damage, check the flood risk in the area and talk to your neighbors about what problems they’ve experienced.
Flooding and water damage is an all too common problem for homeowners. However, the right precautions can help ensure that your home is protected in the event of a storm or other unforeseen event.
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Plus, flooding isn’t the only danger your home faces. Be sure to visit our home safety checklist for seven additional steps you can take to keep your home and family safe. In order to make all buildings as earthquake-resistant as possible, the Building Standards Act has been – and always will be – strictly revised. to ensure that buildings can withstand earthquakes every time the country experiences a major earthquake.
Earthquake resistance is strictly required for all buildings and you cannot get a building permit unless you meet the strict requirement of earthquake resistance standards set by law. Because of this, compared to other countries, Japan is said to have an extremely low rate of building collapse due to a strong earthquake.
Here, we would like to touch on the revision history of building laws and regulations in Japan and explain in detail the earthquake resistance of buildings and how to confirm it for selecting a building that is earthquake resistant. We would also like to explain the types of building structures in Japan, the characteristics and earthquake resistance of each type.
Important years when the laws and regulations for assessing the earthquake resistance of buildings in Japan were revised
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After the 1968 Tokachi Coast Earthquake (JMA ５ Maximum Seismic Intensity Scale), the standard for tension hoops of RC or reinforced concrete structures was tightened.
After the disaster caused by the 1978 earthquake off the coast of Miyagi Prefecture (JMA maximum seismic intensity scale ５), the Building Standards Law was revised and a new anti-seismic draft law came into force.
The new standard focuses not only on preventing buildings from collapsing during an earthquake, but also on how to ensure the safety of people inside.
Based on the knowledge gained from the 1995 Hanshin Great Earthquake (JMA Maximum Seismic Intensity Scale 7), the Building Standards Law was revised to improve the safety of wooden buildings and clarify the level of anti-seismic efficiency, specifications and forms of building foundations. . Ground investigations have become practically mandatory.
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The enforcement of the Act on the Support of Housing Quality (Act on Ensuring the Quality of Housing) created the “System for marking the useful properties of housing” and made it possible to evaluate and compare the performance of housing based on uniform standards. In addition, the construction company was responsible for defects and rain leaks in the basic structural parts of the house for 10 years.
Anti-seismic performance level indicators – “Building Standards Act: Earthquake Resistance Standards”, “Housing Quality Assurance Act: Seismic Grade” 1. “Building Standards Act: Earthquake Resistance Standards” for the protection of human life
The earthquake resistance standards set by the Building Standards Act became more stringent as a result of the revision of the Building Standards Act on June 1, 1981. Therefore, the standards before June 1, 1981 are called the old earthquake resistance standards and the same
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