JP4427017B2 - Guaranteed amount calculation system - Google Patents

Description

  The present invention relates to a building guarantee method and a building guarantee system for guaranteeing repair or rebuilding of a building when the building is damaged by an earthquake.

  Conventionally, when a building such as a house suffers damage due to an earthquake, earthquake insurance is known in which an amount corresponding to the damage is paid.

  This earthquake insurance is an insurance product provided by non-life insurance companies, etc., and is reinsured by the government. Earthquake insurance is incidental to fire insurance and requires fire insurance. And the application range of this earthquake insurance is a building and household goods, Comprising: It is set as 30 to 50% of fire insurance. In addition, the amount of insurance money paid for earthquake insurance is generally set to be 50% of insurance amount for half-loss, 50% of insurance amount for half-loss, and 5% of insurance amount for partial loss.

  However, in the above-mentioned conventional earthquake insurance, although the compensation amount is set according to the degree of damage to the building, the amount of the insurance money paid is 50% of the amount contracted with the fire insurance at the maximum.

  Therefore, it was difficult to restore the building to the state before the disaster, that is, to restore the original state with only the compensation amount. In addition, because the amount of compensation was small, it was difficult to rebuild or rebuild the building in the wake of the disaster.

  Therefore, Patent Document 1 proposes an investment-type large-scale natural disaster insurance system. What is disclosed in this Patent Document 1 is a system for raising funds for payment of insurance money from people other than insurance subscribers. The computer system pays the insurance money to the insurance subscriber and sends it to the investor. This is to check whether the dividend can be paid.

Patent Document 2 proposes a risk data providing system for disasters. This is to evaluate the risk to the disaster of the object based on various data accumulated in advance, and present the data that quantify the risk evaluation result and the proposal for improvement of risk to the terminal through the computer network. .
JP 2003-58711 A Japanese Patent No. 3428949

  However, what is disclosed in Patent Document 1 has a drawback in that the risk is increased and the guarantee cannot be made completely because the target of the insurance subscriber is the owner of all ordinary houses.

  In addition, the risk data providing system disclosed in Patent Document 2 merely presents data obtained by quantifying risk evaluation results and proposals for improvement of risk to a terminal through a computer network, and restores, rebuilds, or rebuilds the building. It wasn't to make it possible.

  In this way, conventionally, when a building is damaged by an earthquake, it has been difficult to cover the entire amount of expenses required to restore the building, or to rebuild or rebuild it with insurance, etc. The economic burden to do was great.

  In addition, conventionally, when restoring a building to its original state, it is common to perform construction after contracting with a contractor for each building owner individually and making an estimate.

  However, since contracts are individually made with contractors, the means of construction, that is, the materials and structures used by the contractors are not constant, and the estimated amount and actual costs may vary.

  In addition, when returning a building to its original state, it will be difficult to procure the materials and structures to be used in exactly the same way as before the disaster, and there will be variations in the skills of construction workers, so the original state will be restored accurately. It was also difficult.

Therefore, the present invention provides a guarantee amount calculation system capable of repairing or rebuilding a building while suppressing an economic burden on the purchaser of the building when an existing or planned building is damaged by an earthquake. It is the purpose.

The present invention has been made in view of the above circumstances, and the invention according to claim 1 includes a database for storing data and processing means for performing a predetermined process based on the data stored in the database. A guarantee amount calculation system for calculating a guarantor-paid amount borne by a guarantor that guarantees repair or rebuilding of the building when an existing or planned building is damaged by an earthquake, wherein the database includes the database Customer data storage means for storing building data relating to the structure of the building, plan data storage means for storing plan data relating to the plan for repairing or rebuilding the building, and the purchase of the building joins the building. Insurance participation condition storage means for storing insurance data relating to earthquake insurance to be guaranteed, and the processing means includes the customer data Repair rebuilding cost calculation means for calculating a repair rebuilding cost, which is a cost required for repairing or rebuilding the building, based on the building data read from the payment means or the plan data read from the plan data storage means; Based on the insurance data read from the insurance participation condition storage means, the insurance payment amount paid by the earthquake insurance is calculated, and the guarantor bears the difference between the repair rebuilding cost and the insurance payment amount As the guarantor-paid amount calculation means for calculating, the repair rebuilding cost calculation means calculates the seismic strength of the building obtained from the previously registered building data and the ground data relating to the ground on which the building is built. Therefore, in the event of an earthquake, the building is expected to be damaged and the repair cost for the building is calculated. And a fund payment amount calculation means for calculating the amount of the fund payment to be paid by the purchaser and constituting the earthquake guarantee fund based on the repair rebuilding cost and the insurance data read from the insurance participation condition storage means. The processing means is configured to process the building for which the calculated fund payment has been paid, and from the building data read from the customer data storage means or the plan data storage means at the time of a disaster. It is characterized by a guarantee amount calculation system that outputs and displays materials required for repair or rebuilding on the output means from the read plan data .

In addition, the invention according to claim 2 includes an earthquake guarantee fund data storage means for storing fund data related to an earthquake guarantee fund used as the difference while the database is pooled in advance. The guarantee amount calculation system described in the section is characterized .

Further, the invention according to claim 3, wherein the customer data storage means, the ground data are stored relating to the ground there is the building, the processing means, said building data, or the purchase read from the customer data storage means Fund payment amount calculation means for calculating the amount of the fund payment paid by the purchaser and constituting the earthquake guarantee fund based on the price amount and the ground data and the insurance data read from the insurance participation condition storage means The guarantee amount calculation system according to claim 2 , characterized by comprising:

Further, the invention according to claim 4, wherein the payment amount calculation means is characterized in bond amount calculation system according to claim 2 or 3 for calculating a seismic guarantee fund payment amount to be paid from the seismic Guarantee Fund.

Further, in the invention according to claim 5, the fund payment amount calculation means is expected to be required for repairing or rebuilding the building based on the building data or the purchase price amount read from the customer data storage means. And calculating an expected insurance compensation amount expected to be compensated by earthquake insurance based on the insurance data read from the insurance participation condition storage means, and reading from the customer data storage means Based on the building data and the ground data, a damage risk value, which is a risk of damage to the building, is calculated, and the amount of the fund payment is calculated based on the predicted required cost, the predicted compensation amount, and the damage risk value. to claim 3 for calculating is characterized in bond amount calculation system according.

In the guarantee amount calculation system according to claim 1 , the amount of the fund payment paid by the purchaser calculated by the fund payment amount calculation means is assumed to have been processed by the processing means in the processing means, From the building data read from the customer data storage means or the plan data read from the plan data storage means, materials required for repair or rebuilding are output and displayed on the output means.
For this reason, it is possible to quickly and accurately restore the building to its original state quickly and accurately, and it is possible to keep the restoration cost almost in excess of the actual cost, reducing the financial burden on the customer, and eliminating the need for an earthquake guarantee fund. Can reduce unnecessary expenses.
In the guarantee amount calculation system according to claim 2 , since the difference can be paid from the pooled earthquake guarantee fund, even if a large-scale earthquake occurs, the purchaser of the building is surely You can get money that can be used for repairs and rebuilding.

In the guarantee amount calculation system according to claim 3 , the earthquake guarantee fund is a pool of fund payments calculated from building data, ground data, and insurance data.

  Here, building data and ground data correspond to the seismic strength of the building, that is, the possibility that the building will be damaged when an earthquake occurs, and insurance data is the compensation for earthquake insurance based on the earthquake. It corresponds to the degree.

  That is, the fund payment to the earthquake compensation fund paid by the purchaser is calculated according to the possibility of damage to the building at the time of the earthquake and the degree of compensation by earthquake insurance at that time.

  As a result, building buyers can obtain money that can be used to repair or rebuild the building with a relatively small burden, and balance the payment to the earthquake guarantee fund with the guarantee burden in the event of a disaster. It can be kept appropriate.

In the guarantee amount calculation system according to claim 4 , the repair rebuilding cost calculation means calculates the repair rebuilding cost, which is the cost required for the repair or rebuilding of the building, and the payment amount calculation means calculates the repair rebuilding cost and the insurance. The amount of earthquake compensation fund payment can be calculated from the difference from the payment amount.

  As a result, when the building is damaged by an earthquake, it is possible to immediately calculate the amount paid by the earthquake guarantee fund paid from the earthquake guarantee fund. This is particularly effective when the number of damaged buildings is large.

In the guarantee amount calculation system according to claim 5 , the fund payment amount calculation means calculates the expected required cost obtained based on the building data, the expected insurance compensation amount obtained based on the participation condition data, the building data and the ground data. The payment amount of the fund can be calculated based on the damage risk value obtained based on the above.

  As a result, it is possible to calculate with high accuracy the fund payment amount corresponding to the payment amount from the earthquake guarantee fund generated when the building is damaged by the earthquake.

  Therefore, it is possible to reduce the economic burden on the building purchaser by optimizing the amount paid for the fund, and to ensure the operation of the earthquake guarantee fund by optimizing the amount paid by the earthquake guarantee fund. be able to.

  Next, an embodiment for carrying out a building guarantee method and a building guarantee system according to the present invention will be described with reference to the drawings.

  As shown in FIG. 1, the building guarantee system A according to the present invention includes an input unit 1, a processing unit 2, a database 3, and an output unit 4, and the processing unit 2 receives an input from the input unit 1. Based on the above, data is exchanged with the database 3 as appropriate, and the processing result is output to the output means 4.

  In addition to having an input terminal such as a keyboard 1a, the input means 1 may include a portable input terminal 1b dedicated to damage data input, which will be described later.

  The processing means 2 is constituted by a so-called computer (CPU), and is provided with a restoration cost calculation means (repair rebuilding cost calculation means) 2a, a payment amount calculation means 2b, and a fund payment amount calculation means 2c, which will be described later. Performs earthquake guarantee fund payment calculation processing, restoration cost calculation processing, etc.

  The database 3 is a storage medium as storage means, and is built in the processing means 2 or provided separately. The database 3 includes customer data storage means 3a for storing data relating to a house (building) purchased by the customer (purchaser), and insurance subscription condition storage means 3b for storing earthquake insurance subscription condition data to which the customer has subscribed. And a calculation data storage means 3c for storing data relating to the calculation of the original restoration cost (repair rebuilding cost) described later, an earthquake guarantee fund data storage means 3d for storing data related to the earthquake guarantee fund described later, and a house described later. Damage data storage means 3e for storing damage data at the time of damage is provided.

  The output unit 4 includes a display device 4a and a printer 4b. Moreover, you may provide the part (means) which exchanges money between the earthquake guarantee fund mentioned later and a customer's account.

  Next, data stored (stored) in each storage means 3a, 3b, 3c, 3d, 3e of the database 3 will be described.

  The customer data storage means 3a stores housing data (building data) that is data relating to the structure of a house ordered and purchased by a customer, and ground data that is data relating to the ground of the address where the house is constructed.

  The housing in this embodiment is called a so-called unit housing, and a roughly box-shaped unit of a size that can be transported is preliminarily given interior and exterior in a factory, transported to a construction site, and aligned side by side up and down, It is built by attaching a roof and connecting necessary piping and wiring.

  Here, the units constituting the house will be briefly described. FIG. 2 shows a housing 10 of the unit used in such a house. The frame 10 is composed of four columns 11, four floor beams 12 spanned on the lower ends of the columns 11, and four ceiling beams 13 spanned on the upper ends of the columns 11. It is of a shaft type framed in a shape. Further, between the pillars 11, the pillars 14 are erected at an appropriate interval. The unit is configured by attaching a wall panel for an outer wall or an inner wall, and a fitting such as a door or a window to such a casing 10.

  Standard components determined in advance are used for all of the building components such as the pillars 11, the beams 12 and 13, and the joists, wall panels, joinery, wiring, and piping. Moreover, the joining portions such as walls and beams are also joined with a predetermined structure using predetermined assembly parts.

  In other words, the housing data is all the data necessary for calculating the probability of housing damage at the time of the earthquake and the cost for restoring the damaged part of the house for each customer's house, and the number of units and This is data necessary to reproduce the house, such as the arrangement, the structure of the housing 10 constituting each unit, and the type, number, position, and joint structure of housing structural parts such as wall panels.

  Here, the building guarantee system A is operated and the building guarantee method according to the present invention is implemented by a building manufacturer who manufactures the house. The housing data is accurately and in detail at the house design stage. Can be entered.

  In addition, the ground data is data related to the ground where the house was built, and the ground conditions related to the condition of the surroundings of the site such as flat land, sloping land, cliff, etc., for example, geology and ground hardness obtained based on sounding tests, etc. In addition to the data, earthquake frequency in the building area is also included. In short, the ground data includes data on the probability of occurrence of an earthquake and factors affecting the house when the earthquake occurs.

  In addition, the construction maker can investigate these data before construction and input them accurately.

  The insurance participation condition storage means 3b stores insurance data relating to the contents of the earthquake insurance contract that the customer has subscribed to in accordance with the construction of the house, that is, data such as the contents of compensation by the earthquake insurance and payment conditions.

  Here, earthquake insurance is insurance that compensates for damages to residential buildings and household assets caused by fire, damage, burial, and outflow caused by an earthquake.

  The calculation data storage means 3c is a cost required to restore the house to its original state, such as a material cost that is a unit price of each of the housing structural parts used in each unit of the house and a labor cost (work cost) required for the assembly. All the calculation data used to calculate the original restoration cost is stored.

  Here, the restoration of the original state means that the target house is repaired or reconstructed so that it is almost in the same state as before the earthquake damage.

  These calculation data can also be input accurately and in detail because they are data of a house of a building manufacturer who manufactures the house. Further, the calculation data composed of these material costs and labor costs can be rewritten every time the price fluctuates, and accurate data at that time can be obtained.

  The earthquake guarantee fund data storage means 3d stores data relating to the customer's earthquake guarantee fund.

  This earthquake guarantee fund has a predetermined fund payment paid when each customer contracts with the building guarantee system A of the present invention, and pools them together.

  The amount of the fund payment is determined for each customer's house based on the construction conditions of the house, the ground conditions, and the contents of the earthquake insurance contract that the customer has subscribed to.

  That is, the amount of the fund payment is calculated based on the housing data, ground data, and insurance data.

  In addition, the building conditions of each house are conditions related to seismic strength such as the structure of the foundation and the structure of each unit, for example, the opening area. In addition to the ground survey data, the ground condition includes regional characteristics such as the frequency of earthquakes in the building area.

  The damage data storage means 3e stores damage data that is input according to the damaged state of the house by examining the damaged portion when the house is damaged by an earthquake.

  The basis of the damage data is the house data stored in the customer data storage means 3a, and is input depending on whether the house component which is the house data is damaged or not.

  Next, the building guarantee method using the building guarantee system A of the present invention and the processing in the processing means 2 of the building guarantee system A will be described in order.

  In addition, the building guarantee method using the building guarantee system A of the present invention includes an earthquake guarantee fund payment step and a disaster time step, and these steps will be described below in order.

  The building guarantee system A is managed and operated by a building manufacturer who builds a house, and the building manufacturer is a guarantor that guarantees a house damaged by an earthquake.

(Earthquake guarantee fund payment step)
First, the earthquake guarantee fund payment step shown in FIG. 3 will be described. This earthquake guarantee fund payment step is a step until the customer contracts with the building guarantee system A of the present invention with the purchase of the house and pays the fund payment to the earthquake guarantee fund.

  In this case, a case where a customer who is a purchaser of a house is a client who decides and purchases the specifications of the house to be built will be described as an example.

  First, when a customer purchases a house and the specifications of the purchased house are determined, the building maker inputs the house data related to the house and the ground data related to the ground using the keyboard 1a of the input means 1, and stores the customer data. Store in the means 3a (step 101).

  Customers are also required to purchase earthquake insurance. Then, the construction maker inputs insurance data relating to the contents of the earthquake insurance contract using the keyboard 1a of the input means 1 and stores it in the insurance participation condition storage means 3b (step 102).

  Then, the building manufacturer executes an earthquake guarantee fund payment calculation process (see FIG. 5), which will be described later, in the fund payment amount calculation means 2c of the processing means 2 based on the housing data, the ground data, and the insurance data. The amount of fund payment to be paid to the fund is calculated (step 103).

  Finally, the customer pays the calculated fund payment to the earthquake guarantee fund (step 104), and ends the earthquake guarantee fund payment step.

  In addition, payment to the earthquake guarantee fund will be made in a lump sum or split at the time of home purchase.

  This payment may be performed by executing a deposit withdrawal process to the earthquake guarantee fund. In other words, an account may be set in advance for payment of the payment amount from the customer to the earthquake guarantee fund, and payment may be made by automatic debit from this account.

  Further, the set customer account can be used as a payment account from an earthquake guarantee fund described later.

  And in this earthquake guarantee fund, the fund payment paid from the customer is pooled. In addition, management and operation of this earthquake guarantee fund shall be carried out by the construction manufacturer.

  On the other hand, in the earthquake guarantee fund payment calculation process shown in FIG. 5, first, in step S1, when a house is damaged, it is expected to be necessary for the restoration of the original state of the house based on the damaged state of the house. The expected repair cost (expected required cost) and the expected insurance compensation amount expected to be compensated by earthquake insurance at that time are calculated.

  In other words, the fund payment amount calculation means 2c reads the housing data stored in the customer data storage means 3a and the calculation data stored in the calculation data storage means 3c to obtain the expected repair cost, and assumes the expected damage. For example, damage is assumed in small steps, such as partial collapse, half-destruction, and complete destruction, and an expected repair cost corresponding to the degree of damage is calculated in steps.

  The estimated repair cost is calculated not only from the material cost, which is the cost of the house component to be replaced, but also from the wage (personnel cost).

  Further, the fund payment amount calculation means 2c is a compensation amount by earthquake insurance that is assumed when the above-mentioned damage assumed in stages occurs based on the insurance data stored in the insurance participation condition storage means 3b. Expected insurance coverage is calculated in stages according to the degree of damage.

  In this way, the expected repair cost and the expected insurance compensation amount are calculated for each damage assumed in stages.

  In the next step S2, an expected earthquake guarantee fund payment amount is obtained by subtracting the expected insurance compensation amount from the expected repair cost. That is, an expected difference is calculated when the expected repair cost is larger than the expected insurance compensation amount.

  In the next step S3, a disaster risk value that is a risk that the house is damaged (damaged) by the earthquake is obtained.

  This disaster risk value is calculated based on the house data stored in the customer data storage means 3a of the database 3 and the ground data.

  That is, the value corresponding to this disaster risk becomes higher as the unit strength is higher (for example, the higher the number of studs, the larger the wall area, the smaller the opening area), and It is obtained on the basis of an arithmetic expression or table set so that the lower the earthquake occurrence frequency, the higher the value, and the higher the value, the stronger the ground.

  In the subsequent step S4, the amount of the earthquake guarantee fund paid-in amount is calculated based on the expected earthquake guarantee fund payment amount obtained in step S2 and the disaster risk value obtained in step S3, and the process is terminated.

(Damage step)
Next, a step at the time of a disaster, which is a process when an earthquake occurs and a house is damaged, will be described with reference to FIG.

  When an earthquake occurs and a house is found to have been damaged, a building maker representative goes to the damaged house and checks the damaged state of the house. The damage data indicating the damage state is input to the processing means 2 by the input means 1, and the processing means 2 stores the input damage data in the damage data storage means 3e of the database 3 (step 105).

  As the input method, since the house data of the target house is stored in the customer data storage means 3a in advance, a check sheet set according to the house components constituting the house based on this house data is used. create. The person in charge fills in the check sheet on the check sheet, and then inputs the damage using the keyboard 1a constituting the input means 1 or the like.

  There is also an input method using the portable input terminal 1b. In this case, in the portable input terminal 1b, check items may be set in advance for each type of target house, or based on the house data stored in the customer data storage means 3a. It is good also as a structure in which the check item according to the house which becomes is set.

  Then, the person in charge takes this portable input terminal 1b to the damaged house and inputs check items on the spot. Furthermore, the data input to the portable input terminal 1b may be transmitted from the damaged house to the processing means 2 via the communication network, or may be input directly connected to the processing means 2. May be.

  Thus, when the damage data of the target house is input, the house maker calculates the restoration cost based on the damage data and the house data stored in the customer data storage means 3a (step 106).

  In order to calculate the original restoration cost, the original restoration cost calculating unit 2a of the processing unit 2 executes an original restoration cost calculating process (see FIG. 6) described later.

  When the original restoration cost is calculated in step 106, the building maker next inputs an insurance payment amount to be paid based on earthquake insurance (step 107).

  In this case, basically, the amount paid by earthquake insurance of the contracted insurance company is fixed and then entered. Alternatively, the insurance payment amount corresponding to the damage state may be calculated based on earthquake insurance participation condition data stored in advance in the insurance participation condition storage means 3b, and this value may be used.

  When the original restoration cost and the insurance payment amount are obtained in this way, the earthquake guarantee fund payment amount, which is the payment amount from the earthquake guarantee fund, is calculated (step 108).

  In order to calculate the earthquake guarantee fund payment amount, the payment amount calculation means 2b of the processing means 2 executes a payment amount calculation process (see FIG. 7) described later.

  When the earthquake guarantee fund payment amount is determined as described above, the construction manufacturer pays this payment amount to the customer from the pooled earthquake guarantee fund (step 109), and ends this disaster step. To do.

  The payment of the earthquake guarantee fund may be automatically transferred from the earthquake guarantee fund to a preset customer account.

  On the other hand, in the original restoration cost calculation process shown in FIG. 6, first, in step S11, the damage data stored in the damage data storage means 3e is read, and in the subsequent step S12, the house stored in the customer data storage means 3a. The calculation data stored in the data and calculation data storage means 3c is read.

  Then, in the next step S13, based on these data, the replacement parts of the house components necessary for the restoration of the original state of the house and the material costs thereof are listed, and these are added up to calculate the material costs including labor costs. calculate.

  Furthermore, in step S14, work processes necessary for exchanging these house components are listed, and these are added up to calculate labor costs.

  Finally, in step S15, the material cost and labor cost are combined to calculate the original restoration cost, and the original restoration cost calculation process is terminated.

  That is, all the housing data relating to the housing structure is stored in the customer data storage means 3a, and it is known which housing component is used in which part. Therefore, if the damaged part and the size of the house are known, the type and number of house components necessary for restoring the original state of the house can be known, and the work process can be understood.

  Then, based on the damage data, the damaged house component and the joint structure are collated with the data regarding the house component and the joint structure from the customer data storage means 3a. Furthermore, the material cost and labor cost corresponding to the damaged house components and the joint structure are read from the calculation data storage means 3c. The original restoration cost can be calculated by accumulating the costs based on these.

  Further, in the payment calculation process shown in FIG. 7, first, in step 20, the original calculation cost calculated in the original restoration cost calculation process is read, and in the subsequent step 21, actual payment is made based on earthquake insurance. Enter the amount of insurance paid.

  Then, in the next step 22, the original restoration cost amount is compared with the insurance payment amount.

  If it is determined in this step 22 that the original restoration cost is larger than the insurance payment amount, in the next step 23, the difference is calculated by subtracting the insurance payment amount from the original restoration cost.

  This difference is a payment amount paid from the earthquake guarantee fund, that is, an amount compensated when the house is damaged by the earthquake.

  As described above, when the payment amount from the earthquake guarantee fund is calculated in step 23, the payment amount calculation process is terminated.

  As described above, according to the building guarantee method of the present invention, when a house that is an existing building is damaged by an earthquake, the repair or rebuilding of the house is guaranteed, and the customer who is the purchaser of the house The guarantor is responsible for the difference between the cost of repair and rebuilding, which is the cost required for repairing or rebuilding the house, and the amount of insurance paid based on the earthquake insurance purchased by the customer. A building manufacturer will pay.

  As a result, even if the home is damaged due to the earthquake, the customer will be able to reduce the total amount of the restoration cost required to restore the home by combining the insurance payment by earthquake insurance and the payment from the earthquake guarantee fund. It will be guaranteed, and no new expense will be required to restore the home.

  That is, as schematically shown in FIG. 8, when the amount of the original restoration cost is 100%, a predetermined ratio (for example, 50%) is compensated by the insurance payment amount that is compensation by earthquake insurance, and the remaining predetermined ratio (50% here) is paid by the guarantor. This guarantees the full cost of restoration.

  Therefore, the customer can promptly recover the damaged house without incurring a new economic burden. That is, it is possible to repair or rebuild the house while suppressing the financial burden on the customer.

  In FIG. 8, the ratio between the compensation by earthquake insurance and the share by the guarantor is 50%, but this is not restrictive. Since the burden by the guarantor is the difference between the original restoration cost and the insurance payment amount, the ratio of the burden by the guarantor varies depending on these amounts.

  In addition, the difference between the original restoration cost and the amount paid for insurance is paid from the earthquake guarantee fund pooled in advance.

  This allows you to pay the difference from a pre-pooled earthquake guarantee fund, so customers can be sure they get money that can be used to repair or rebuild their homes, even in the event of a major earthquake. be able to.

  The earthquake guarantee fund is a pool of fund payments paid by customers. The amount of the fund payments includes the housing data related to the structure of the house, the ground data related to the ground where the house is located, and the purchaser's subscription. It is calculated based on insurance data related to earthquake insurance.

  Thereby, the fund payment to the earthquake compensation fund paid by the customer is calculated according to the possibility of damage to the house at the time of the earthquake and the degree of compensation by the earthquake insurance at that time.

  In other words, housing data and ground data correspond to the seismic strength of the house, that is, the possibility of damage to the house when an earthquake occurs, and insurance data is the degree of compensation based on earthquake insurance when an earthquake occurs. It is because it corresponds to.

  Therefore, the customer can obtain the cost of restoring the house with a relatively small burden, and can keep the balance between the payment to the earthquake guarantee fund and the guarantee at the time of the disaster appropriately.

  Furthermore, in the building guarantee system of the present invention, when the house is damaged by an earthquake, the original restoration cost calculating means 2a for calculating the original restoration cost, which is the cost required for restoring the original state of the house based on the damaged state of the house, The earthquake guarantee fund payment, which is the payment amount of the earthquake guarantee fund pooled in advance, from the difference between the original restoration cost calculated by the restoration cost calculation means 2a and the insurance payment paid based on the earthquake insurance that the customer has enrolled. Payment amount calculation means 2b for calculating the amount of money.

  This makes it possible to immediately calculate the amount paid by the earthquake guarantee fund paid from the earthquake guarantee fund when the house is damaged by an earthquake. This is particularly effective when the number of damaged houses is large.

  In addition, a database 3 for storing data is provided. The database 3 is provided with customer data storage means 3a for storing house data relating to the structure of the house. The original state restoration cost calculation means 2a is provided according to the damaged state of the house. The original restoration cost is calculated based on the inputted damage data of the house and the house data stored in the customer data storage means.

  As a result, the original restoration cost calculation means 2a is based on the accurate housing data stored in the customer data storage means 3a in advance and the accurate material cost and wage data by the building manufacturer stored in the calculation data storage means 3c. The restoration cost can be calculated. That is, since the housing data before the disaster is secured, it is possible to calculate the original restoration cost more accurately and quickly than when calculating the original restoration cost based only on the data after the disaster.

  In addition, it is possible to quickly restore the original state of the house, and to make sure that the original restoration cost is not excessive or deficient in the actual cost, thereby reducing the financial burden on the customer and reducing unnecessary expenses of the earthquake guarantee fund. Can do.

  In addition, since the housing data is stored in the customer data storage means 3a, the housing can be restored almost accurately based on the housing data. That is, it is possible to reproduce the same structure as at the time of construction (at the time of new construction) by using the house components indicated by the house data.

  The database 3 is provided with insurance participation condition storage means 3b for storing earthquake insurance participation condition data that the customer has subscribed to, and a fund payment amount calculation for calculating the amount of the fund payment paid by the customer to the earthquake guarantee fund. Means 2c, and this fund payment amount calculation means is determined based on the expected repair costs estimated to be necessary for the restoration of the original state of the house determined based on the house data and the subscription condition data stored in the insurance subscription conditions. The amount of funds paid is calculated based on the expected amount of insurance coverage that is expected to be covered by earthquake insurance and the damage risk value that is the risk of damage to the house determined based on the housing data and ground data. It is like that.

  As a result, it is possible to calculate with high accuracy the fund payment amount corresponding to the payment amount from the earthquake guarantee fund generated when the house is damaged by the earthquake. In addition, the balance between the payment to the earthquake guarantee fund and the expenditure at the time of the disaster can be properly maintained.

  Therefore, it is possible to reduce the financial burden on customers by optimizing the amount paid for the fund, and to ensure the operation of the earthquake guarantee fund by optimizing the amount paid from the earthquake guarantee fund. .

  In other words, it is possible to achieve both the reduction of the customer's economic burden and the reliable achievement of the earthquake guarantee fund.

  In the above-described embodiment, since the portable input terminal 1b is used for the input of the damage data, it is possible to input quickly and accurately at the disaster site, thereby more quickly and accurately calculating the restoration cost. It can be carried out.

  As described above, the building guarantee method and the building guarantee system according to the present invention have been described in detail with reference to the drawings, but the specific configuration is not limited to this and does not depart from the gist of the present invention. A degree of design change is included in the present invention.

  For example, in the above-described embodiment, a house damaged by an earthquake is targeted for guarantee. However, the present invention is not limited to this, and a building that is not intended for residence such as an office, a store, a warehouse, or a large building such as a condominium or a building. The building guarantee method according to the present invention covers the entire building as a guarantee target.

  Furthermore, in the above-mentioned embodiment, although a unit house was shown as an example of a house, it is not limited to a unit house.

  Further, this building is not limited to an existing building that has already been built, and may be a building that is planned to be built in the future.

  In the above-described embodiment, payment is made based on the original restoration cost, which is the cost required to restore the target building (house) to the same state as before the disaster, and the earthquake insurance purchased by the customer. The guarantor bears the difference from the amount of insurance payment to be paid, but it is not limited to this.

  In response to a disaster, the target building may be repaired or rebuilt, rebuilt or added to a state different from the state before the disaster, or rebuilt to a completely different building.

  In this case, based on the damage status of the building and the plan (specification) of the newly constructed building, the repair rebuilding cost, which is the cost required for the reconstruction or rebuilding of the building, is calculated, and the repair rebuilding cost and the insurance payment amount The guarantor bears this difference when there is a difference.

  The repair rebuilding cost is calculated by a repair rebuilding cost calculation unit (not shown) provided in the processing unit 2, and the repair rebuilding cost calculation unit is input according to the damage state of the building. The repair rebuilding cost is calculated based on the building damage data, the building data stored in the customer data storage means 3a, and the plan data of the newly constructed building.

  The plan data may be stored in plan data storage means (not shown) provided in the database 3.

  As a result, even if the building is rebuilt, rebuilt, or rebuilt in a different state from that before the earthquake, the damaged building can be quickly repaired or rebuilt without incurring a new economic burden. Can do.

  Further, in the above-described embodiment, the guarantor bears the difference between the original restoration cost or the repair rebuilding cost and the insurance payment amount, but this is not restrictive.

  The guarantor may bear the difference between the purchase price amount that is the purchase price before the disaster of the damaged building and the insurance payment amount paid based on the earthquake insurance that the customer subscribes to.

  The purchase price amount is input at the time of building purchase as one of the building data stored in the customer data storage means 3a.

  As a result, even if a building is damaged by an earthquake, the entire purchase price of the building before the disaster is guaranteed, and new expenses for repairing or rebuilding can be suppressed. In particular, when recovering a damaged building to the same state as before the disaster (restoration), a new expense is not required.

  Furthermore, the difference paid by the guarantor may be the difference between the repair rebuilding cost (original restoration cost) or the purchase price amount, whichever is smaller, and the insurance payment amount.

  In this case, first, the repair rebuilding cost is calculated by a repair rebuilding cost calculation unit (not shown) provided in the processing unit 2, and the purchase price amount previously input to the customer data storage unit 3a is output.

  Then, the minimum cost judging means (not shown) provided in the processing means 2 judges the smaller one of the repair rebuilding cost or the purchase price amount.

  Then, the difference between the amount determined to be small and the amount of insurance payment is calculated, and the guarantor bears this difference.

  This guarantees all of the expenses required for repairing or rebuilding the building, or all of the purchase price of the building prior to the damage, even when the building is damaged. New spending can be reduced.

  In the above-described embodiment, the difference from the earthquake guarantee is paid by payment from the earthquake guarantee fund, but is not limited thereto.

  When repairing or rebuilding a damaged building, restoring it to its original state, rebuilding it, building it back, or rebuilding it to a completely different building, you may be able to discount the amount charged by the building manufacturer for the difference. In other words, customers do not get cash for the difference, but by discounting the construction costs when repairing the building, etc., the damaged building can be virtually removed without incurring a new economic burden. It can be repaired or rebuilt.

  Moreover, realistic cash exchange becomes unnecessary, and the damaged building can be repaired more quickly.

  In addition, when requesting the repair or rebuilding of a building from a building manufacturer that has produced a damaged building, the difference may be discounted from the construction cost.

  In other words, when the building manufacturer that manufactured the building before the disaster and the building manufacturer that repairs or rebuilds the damaged building are the same, this building manufacturer will be the guarantor and bear the difference.

  As a result, it is possible to smoothly supply materials and the like used for building repair, and it is possible to repair or rebuild a damaged building more quickly.

  Furthermore, in the above-described embodiment, the insurance that the customer joins with the construction of the building is the earthquake insurance, but is not limited thereto.

  In addition to this earthquake insurance, you may take out earthquake fire contract insurance. This earthquake fire contract insurance is insurance that compensates for damages to residential buildings and household goods caused by fire caused by an earthquake.

  In addition to earthquake insurance, if you have subscribed to this earthquake fire contract insurance, if the building is damaged by a fire caused by an earthquake, in addition to the insurance payment paid based on the earthquake insurance, based on the earthquake fire contract insurance The amount of special insurance payment paid will be compensated.

  In this case, restoration cost, repair and rebuilding cost, purchase price amount or the smallest of these, insurance payment paid based on earthquake insurance, and special contract insurance paid based on earthquake fire special insurance The guarantor bears the difference between the payment amount (hereinafter referred to as the total insurance payment amount).

  That is, as schematically shown in FIG. 9, if the total restoration cost is 100%, a predetermined ratio (for example, 50%) is compensated by the insurance payment amount that is compensation by earthquake insurance, and earthquake fire special insurance A predetermined ratio (for example, 30%) is compensated by the amount paid for the special contract insurance, which is compensation by, and the guarantor bears the remaining predetermined ratio (here, 20%). This guarantees the full cost of restoration.

  In this case, the amount compensated by the total insurance payment amount is increased by the amount of the special contract insurance payment amount as compared with the case where only the insurance payment amount is the compensation by the earthquake insurance. Therefore, the difference paid by the guarantor can be reduced, and the guarantor can reliably guarantee with a small burden.

  In FIG. 9, the compensation by earthquake insurance is 50% of the whole, the compensation by earthquake fire special insurance is 30% of the whole, and the share by the guarantor is 20%, but this is not restrictive. Since the burden on the guarantor is the difference between the original restoration cost and the total insurance payment amount, the ratio of the burden on the guarantor varies depending on these amounts.

  8 and 9, the total cost required is the “original restoration cost”, but is not limited thereto. As necessary expenses, repair rebuilding expenses, purchase price amounts, or the smallest of these may be used.

  Furthermore, although the above-mentioned embodiment showed the example which a construction maker manages and manages an earthquake guarantee fund and this construction maker becomes a guarantor and bears a difference, it is not restricted to this. For example, a national, local government, building owner, investor or investment company may manage and operate the earthquake guarantee fund.

  Furthermore, in the building guarantee method of the above-described embodiment, the example of implementing the building guarantee method of the present invention using the building guarantee system A using a computer has been shown. However, this building guarantee system A is used. Alternatively, part or all of the data recording can be performed on paper, or part or all of each calculation process can be performed manually.

1 is an overall view showing a building guarantee system A according to the present invention. It is a perspective view which shows the housing of the house which is a guarantee object of the guarantee method of the building concerning this invention. It is a flowchart which shows the earthquake guarantee fund payment step in the guarantee method of the building concerning this invention. It is a flowchart which shows the step at the time of a disaster in the guarantee method of the building concerning this invention. It is a flowchart which shows the earthquake guarantee fund payment calculation process by the building guarantee system A concerning this invention. It is a flowchart which shows the original restoration cost calculation process by the building guarantee system A concerning this invention. It is a flowchart which shows the payment amount calculation process by the building guarantee system A concerning this invention. It is explanatory drawing which showed typically the guarantee method of the building concerning this invention. It is explanatory drawing which showed typically the other example of the guarantee method of the building concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Input means 1a Keyboard 1b Portable input terminal 2 Processing means 2a Original restoration cost calculation means (repair rebuilding cost calculation means)
2b Payment amount calculation means 2c Fund payment amount calculation means 3 Database 3a Customer data storage means 3b Insurance participation condition storage means 3c Calculation data storage means 3d Earthquake guarantee fund data storage means 3e Damage data storage means 4 Output means 4a Display device 4b Printer A building guarantee system

Claims (5)

A database for storing data and a processing means for performing predetermined processing based on the data stored in the database, and when an existing or planned building is damaged by an earthquake, the repair or rebuilding of the building is guaranteed. A guarantee amount calculation system for calculating a guarantor burden amount borne by the guarantor,
The database includes customer data storage means for storing building data relating to the structure of the building, plan data storage means for storing plan data relating to a plan for repairing or rebuilding the building, and a purchaser of the building. And the insurance enrollment condition storage means for storing insurance data related to earthquake insurance for which this building is covered by the warranty,
The processing means calculates a repair rebuilding cost that is a cost required for repairing or rebuilding the building based on the building data read from the customer data storage means or the plan data read from the plan data storage means. Based on the insurance data read out from the insurance rebuilding condition storage means and the repair rebuilding cost calculation means, the insurance payment amount paid by the earthquake insurance is calculated, and the repair rebuilding cost and the insurance payment amount A guarantor-paid amount calculating means for calculating the difference as an amount borne by the guarantor, and the repair rebuilding cost calculating means calculates the seismic strength of the building obtained from the building data registered in advance, and From the ground data on the ground where the building is built, in the event of an earthquake, the building is expected to be damaged, Amount of funds paid to make up the earthquake guarantee fund by the purchaser paying based on the repair rebuilding cost and the insurance data read out from the insurance participation condition storage means while calculating the repair rebuilding cost of the building A payment amount calculation means for calculating a fund payment amount, and the processing means treats the building for which the calculated payment amount for the fund payment has been processed and reads the building read from the customer data storage means at the time of a disaster A guarantee amount calculation system characterized in that materials required for repair or rebuilding are output and displayed on output means from data or plan data read from the plan data storage means . 2. The guarantee amount according to claim 1, wherein said database has a earthquake guarantee fund data storage means for storing fund data related to an earthquake guarantee fund that is pooled in advance and used as the difference. Calculation system. The customer data storage means stores ground data relating to the ground where the building is located, and the processing means reads the building data or the purchase price amount and the ground data read from the customer data storage means, and the insurance subscription. The fund payment amount calculation means for calculating the amount of the fund payment paid by the purchaser and constituting the earthquake guarantee fund based on the insurance data read from the condition storage means. The guaranteed amount calculation system according to Item 2 . The guarantee amount calculation system according to claim 2 or 3 , wherein the payment amount calculation means calculates an earthquake guarantee fund payment amount paid from the earthquake guarantee fund . The fund payment amount calculation means calculates an expected necessary cost expected to be required for repair or rebuilding of the building based on the building data or the purchase price amount read from the customer data storage means, and Based on the insurance data read from the condition storage means, an expected insurance compensation amount expected to be compensated by earthquake insurance is calculated, and the building is read based on the building data and the ground data read from the customer data storage means 4. The disaster risk value, which is a risk of being damaged by the disaster, is calculated, and the amount of the fund payment is calculated based on the predicted required cost, the predicted compensation amount, and the disaster risk value. Guarantee amount calculation system described.

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