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Residents “Although they did not collapse, great damage”
The interior of the Samhwan Art Nouveau multipurpose apartment in Nam-gu, Ulsan city, which was damaged by a large fire on the 8th. Yunhap news
Before the briefing of an insurance company for residents of Ulsan multipurpose apartments, where a large fire broke out on the 8th, the focus is on the amount of damage insurance.
Ulsan apartment with big fire on the night of the last 8
Group fire insurance reached 49.9 billion won
At one point, “No collapse … the hardest”
According to the city of Ulsan on the 13th, the damage adjuster of Samsung Fire & Marine Insurance will visit Ulsan at 7pm on the same day to explain the fire insurance coverage to the victims. At the residential-commercial apartment complex in Nam-gu, Ulsan, where the fire occurred, fire insurance was taken out from Samsung Fire Insurance Group.
According to the City of Ulsan, the maximum compensation for group fire insurance for this apartment is 49.9 billion won, including 49.9 billion won for buildings, 6.3 billion won for household items. home and 1 billion won for property. In the case of objects, it is used to compensate for accidental damage, such as a fire that moves to another building.
The damage assessment procedure, which determines the insurance payment according to the damage from the fire, is carried out in earnest after the fire authorities calculate the damage and the police determine the cause of the fire. The Ulsan Fire Department began investigating property damage to all apartments from the 11th. A fire department official said: “It is impossible to complete the investigation in a short period of time because it is an investigation for everyone the homes in the apartment “. “We plan to finish the investigation by 23.”
Depending on the cause of the fire, the amount of insurance coverage may vary. On the fifth day of the investigation, the Ulsan Provincial Police Agency, which investigates a fire in a residential-commercial department in Ulsan, said: “We are looking for the cause of the fire, leaving all possibilities open, such as true fire, fire arson and spontaneous arson “.
Residents of apartments that were damaged by the fire are concerned about insurance information. The representative of the tenant of this apartment said: “It is said that only half of the upper part of the apartment burned due to a fire, and it did not collapse. Even if you see the damage, the insurance money should be set according to the damage. ”
On the 8th at 11: 7 pm, a fire broke out in the Art Nouveau apartment in Sinjeong-dong, Nam-gu, Ulsan and the flames are spreading. Newsis
Who receives insurance benefits … Actual resident who pays insurance premiums
Some analysts say that it is difficult to receive the maximum amount of insurance from this fire inside and outside the insurance industry. At the time, the apartment was not completely damaged, such as the apartment collapse. An insurance industry official said: “The maximum amount literally means when it is necessary to rebuild the building. In fact, there is a high possibility that it will be decided for remuneration because the skeleton of the apartment remains.” There are many houses, so the level of compensation may be lower than the expectations of the residents ”.
Interest is also generated in the household items compensation scale. The maximum compensation paid to the 146 households (Apartment 127, Officetel 9, Mall 10), who are actual residents, is 6.3 billion won. To obtain compensation for household items, the adjuster visits each home to examine the burned household items and determines the amount of insurance. The greater the damage, the greater the amount, so the amount of insurance paid for each home varies.
Once the insurance amount is determined, it is divided by household. The beneficiary of the insurance benefit is the actual resident who pays the insurance premium for monthly maintenance, regardless of home ownership. Regardless of group fire insurance, households that have personally subscribed to fire insurance can receive a separate insurance premium. Samsung Fire & Marine Insurance said: “It is still difficult to reveal the details of the insurance payments.”
Ulsan = Reporter Baek Gyeongseo [email protected]
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