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Openai/69401093-f800-800a-94fc-a5d69db9f764
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===== - 通常の保険は「損害査定→支払」なので、災害時は遅れます。 ===== * そこで、地震規模・降雨量・風速などの客観指標で支払が発動する保険を別枠で持つと、「復旧資金の即時性」を確保できます。 * これは“保険が払われるか”の不安を実務的に下げます（遅延リスクを切る）。
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