Separate a Korean water-leak claim before adding up the invoices
A leak can produce several bills at once: repairs to a neighbour’s ceiling, diagnostic work, emergency measures, pipe work, demolition, drying and finishing.
One contractor’s invoice does not mean that every line uses the same cover, deductible or limit.
This calculator separates insurer-confirmed liability damages, mitigation expenses and other covered expenses, then compares the stand-alone liability and contribution of up to three policies for one accident.
It also reconciles payments already made with the resulting allocation, so the household can prepare specific questions and an itemized claim schedule.
Korea-specific 2026 scope
All monetary inputs and outputs are KRW under Korean legal and policy context checked on November 12, 2026.
The calculation shares the Korean page’s pure calculation functions and actual input model.
It does not decide the cause of a leak, legal liability, the valuation of damage or whether an insurer must accept a particular expense.
Use the wording applicable to the accident and obtain the insurer’s confirmation before treating the output as a claim allocation.
The home-fire and daily-liability planning tool looks at broad cover design, while this page starts with post-accident work items and written settlement explanations.
A result is an input-dependent scenario rather than a payment approval, a legal opinion, an insurance quote or a recommendation to buy or cancel cover.
Use five non-overlapping cost buckets
Liability damages
Enter the insurer-confirmed amount of legal compensation owed to another person.
A neighbour’s restoration quote is evidence to examine, rather than automatic confirmation that the entire quoted amount is covered.
Mitigation expenses
Enter costs confirmed as necessary or useful to prevent or reduce the loss.
Diagnostic work, emergency action and purpose-specific construction may require separate examination of their purpose and scope.
Other confirmed expenses
Use this bucket only for separately confirmed covered expenses not already in the first two buckets.
Some legal, defence or guarantee costs can share a limit with liability damages, so confirm the remaining available amount first.
Unconfirmed and excluded costs
Keep costs awaiting a coverage or evidence decision in the unconfirmed bucket.
Put amounts confirmed as outside this scenario into the excluded bucket, without treating every unconfirmed cost as a final denial.
Assign every invoice line once, rather than entering the same work as both liability and mitigation.
Ask the contractor for separate diagnostic, demolition, pipe, drying and finishing lines where appropriate.
Work inside the insured’s own home is neither automatically covered in full nor automatically excluded in full.
When an invoice mixes urgent loss prevention with replacement of old equipment or a general upgrade, obtain a purpose-based and amount-based breakdown before moving it into a confirmed bucket.
What the verified Korean sources establish
The National Law Information OPEN API record checked on November 12, 2026 identifies the current Commercial Act as law ID 001702, MST 273629, effective September 10, 2026.
Commercial Act Article 680 addresses necessary or useful expenses incurred to prevent or reduce a loss, including their treatment when those costs and indemnity exceed the insured amount.
The model therefore does not automatically force mitigation expenses into the unused balance of the liability-damages limit.
Article 672 and Article 725-2 provide the multiple-insurance context, while the actual applicable contribution calculation must also be confirmed against the policy wording.
A leak repair label does not decide coverage
The Supreme Court decision of March 31, 2022, cases 2021Da201085 and 2021Da201092, is an official reference for examining leak-related diagnostic and prevention work.
The concrete necessity, usefulness, purpose and scope of the work matter.
The existence of that decision does not automatically make every diagnostic invoice or entire pipe replacement payable.
Enter only the amount confirmed for the actual accident as recognized mitigation expense, leaving disputed work in the unconfirmed bucket.
The Hyundai Marine Hi2601 wording used as a structural example describes stand-alone-liability contribution on pages 867–868 and the relevant rider’s operation and cost treatment on pages 881–883.
In that example, liability damages follow a deductible-and-limit calculation, while certain mitigation, rights-preservation and insurer-requested expenses are handled separately; some defence, legal and guarantee costs share a limit with liability damages.
These are features of that particular wording, not universal Korean policy terms.
Do not turn an example deductible or waiting period into a default for every insurer, renewal or rider edition.
Check accident applicability, dates and the rider edition
- Record the accident date and the rider edition confirmed as applicable to that accident.
- Enter the coverage start and end dates, plus the first potentially covered day after any waiting period.
- Mark each policy as confirmed, unknown or excluded from this accident’s scenario.
- Confirm the stand-alone calculation and the common loss pools before using the final allocation.
Start dates, end dates and the first coverable day after waiting are included in the date comparisons.
The waiting-end field means the first day on which cover may operate, rather than the final day without cover.
A confirmed policy whose accident falls outside those dates has zero stand-alone liability in the scenario and a reason is shown.
Being inside the date range does not itself confirm the insured person, premises, cause or other terms.
Clarify renewals, address changes, waiting-period exceptions and any disputed accident date with the insurer.
Only real calendar dates are accepted, and a reversed coverage period must be corrected.
Choose a stand-alone-liability input method
Independent category formula
Stand-alone amount = min(max(confirmed loss − deductible, 0), available category limit).
Use this only when the category limits are independently available and all occurrence, annual and shared-limit constraints have already been reflected.
Confirm each category’s deductible rather than copying the liability deductible into mitigation and other costs.
Insurer-confirmed final amount
Stand-alone amount = the category’s final payment if no other policy existed.
Enter the insurer-confirmed figure after deductibles, exclusions, remaining aggregate and shared limits.
The calculator does not deduct a second time; use this method when the contract is more complex than the independent-category formula.
The insured amount and the invoice amount are not automatically the stand-alone liability.
If liability and other expenses share one occurrence limit, giving both categories that full limit can count the same capacity twice.
The tool does not invent an order or percentage for splitting shared limits: obtain available category caps already allocated by the insurer, or enter finalized category stand-alone amounts.
All amounts must be whole KRW from 0 through 1,000,000,000,000 inclusive, and a manually entered stand-alone amount cannot exceed its confirmed category loss.
One to three policies are supported; blank or unconfirmed terms must be resolved before relying on a final result.
Allocate only matching, insurer-confirmed loss pools
Category-by-category proportional contribution
- Build each policy’s stand-alone amount as if no other contract existed.
- Where total stand-alone liability does not exceed the category’s confirmed loss, use those amounts unchanged.
- Where the total exceeds that loss, allocate confirmed loss × this policy’s stand-alone amount ÷ total stand-alone liability.
- Distribute whole-KRW remainders by largest remainder, breaking a tie in input order, so the total stays exact.
Two contracts do not automatically split an expense equally.
This page supports a confirmed contractual stand-alone-liability contribution scenario; it does not claim that the insured-amount wording of Commercial Act Article 672 is the same formula.
Confirm with the insurers how the statute and applicable other-insurance clauses operate for the actual claim.
The three categories must be mutually exclusive loss pools, and the insurers must agree that the relevant amounts concern the same loss and use this contribution basis.
If one insurer recognizes only part of a work item while another recognizes a different scope, a single total is not enough to establish the overlap.
An unknown policy, unconfirmed calculation terms or an unconfirmed pool keeps final compensation, out-of-pocket cost and additional-claim totals on hold.
Known stand-alone figures and the itemized cost total can still help identify what needs to be checked next.
Worked example: KRW 5,000,000 of itemized costs
This is a hypothetical arithmetic example, not a market average or a product’s default settlement.
Confirmed liability damages are KRW 3,000,000, mitigation KRW 1,000,000 and other expenses KRW 200,000; unconfirmed costs are KRW 300,000 and excluded costs KRW 500,000.
Policy A has a hypothetical KRW 500,000 liability deductible, zero deductibles for the other categories and sufficient independent available caps.
Policy B uses manually confirmed final stand-alone amounts of KRW 1,500,000 for liability, KRW 500,000 for mitigation and zero for other costs.
Hypothetical category losses, stand-alone liabilities and allocations to two policies, all in KRW| Category | Confirmed loss | A stand-alone | B stand-alone | A allocation | B allocation |
|---|
| Liability | 3,000,000 | 2,500,000 | 1,500,000 | 1,875,000 | 1,125,000 |
| Mitigation | 1,000,000 | 1,000,000 | 500,000 | 666,667 | 333,333 |
| Other | 200,000 | 200,000 | 0 | 200,000 | 0 |
Interpret the totals
Total compensation is KRW 4,200,000 and the scenario’s final out-of-pocket amount is KRW 800,000.
If A has already paid KRW 1,000,000 against liability, the calculated total still to claim is KRW 3,200,000.
The KRW 800,000 gap includes KRW 300,000 awaiting confirmation and KRW 500,000 excluded from this scenario; it does not mean that the unconfirmed part has been finally denied.
The mitigation allocations of KRW 666,667 and KRW 333,333 sum to exactly KRW 1,000,000 after whole-won remainder allocation.
Reconcile paid amounts after contribution
Subtracting an early payment from the loss before allocating can change the insurers’ relative shares.
The calculator first allocates the full confirmed category loss and then compares each policy-and-category allocation with its paid amount.
Additional claim = max(allocation − paid amount, 0); reconciliation excess = max(paid amount − allocation, 0).
An excess for one insurer is not automatically netted against the amount still to claim from another insurer.
A reconciliation excess is a request to check advance payments, expense coding and inter-insurer settlement, rather than an automatic finding that the insured must repay it.
If a payment notice combines damages and expenses, request the category breakdown instead of entering the bank deposit in several places.
Out-of-pocket cost is different from an unpaid claim
Scenario final out-of-pocket cost = all five cost buckets − total allocated compensation.
The additional claim is the positive unpaid balance within the insurer allocations, rather than the household’s uncovered expense.
Unconfirmed costs remain unrecovered in the current scenario without being treated as legally excluded forever.
When new evidence changes recognition, revise both the cost bucket and the affected stand-alone amounts before recalculating.
Turn the result into a document request
- Missing diagnostic charges: obtain the contractor’s line-item invoice, diagnostic findings and before-and-after photographs to identify possible mitigation work.
- One repair-and-finishing bill: separate urgent measures, cause-related work, improvements to the insured’s own property and restoration of someone else’s loss.
- Several family policies: confirm insured persons, the covered home, applicable dates and other-insurance notification, rather than relying only on a rider title.
- An early payment: request the category-level settlement notice and clarify whether the payment is an advance or final adjustment.
- Different recognition scopes: ask which exact work items represent the same loss and keep unmatched pools on hold.
Useful records can include the policy and rider wording, accident account, cause investigation, itemized quotes and invoices, receipts, the neighbour’s restoration details and written recognition or exclusion reasons.
The insurer determines what additional documentation is required for the actual claim.
A saved preparation schedule makes it easier to explain the source of each number and the unresolved questions.
Saving or downloading the schedule does not itself lodge an accident report or complete an insurance claim; confirm submission and receipt through the insurer’s process.
Frequently asked questions
Will all repairs to my own pipes be reimbursed?
There is no automatic all-or-nothing answer.
Confirm the necessity, usefulness and scope of the loss-prevention work for the actual accident.
Keep upgrades and disputed work separate until recognition is established.
Is every leak detection invoice a mitigation expense?
The invoice title alone does not establish that classification.
Check the purpose, timing, findings and the insurer’s recognition of the work before entering a confirmed amount.
Is the water-leak deductible always KRW 500,000?
No.
The rider edition and expense category can have different terms.
The KRW 500,000 liability deductible in the worked example is hypothetical rather than a universal Korean statutory constant.
Do two policies produce twice the compensation?
The allocation total for the same confirmed loss does not exceed that loss.
Different stand-alone liabilities are reflected instead of splitting every bill by the number of contracts.
Can each category use the full occurrence limit?
Not when they share that limit.
Obtain insurer-confirmed available category caps or enter final stand-alone amounts that already reflect shared limits, deductibles and other constraints.
Why is a result on hold when the dates are correct?
A date match does not confirm cover or the contribution rule.
Resolve policy applicability, rider edition, calculation terms and matching loss pools before using final totals.
Does a reconciliation excess require immediate repayment?
The number flags a settlement question rather than deciding a repayment obligation.
Check advances, category coding and the insurers’ settlement arrangements.
Does an unconfirmed cost in the gap mean I cannot claim it?
No.
It is unrecovered under the present inputs, not necessarily finally excluded.
Obtain supporting evidence, update recognition and stand-alone figures, and discuss the revised item with the insurer.
Official sources and review dates
Korean 2026 context; sources checked November 12, 2026.
Commercial Act law ID 001702, MST 273629, effective September 10, 2026; the source-check date, statute’s effective date and rider edition are separate facts.
- Commercial Act Article 680: loss prevention, mitigation and necessary or useful expenses.
- Commercial Act Article 672 and Article 725-2: multiple insurance and multiple liability-insurance contracts.
- Supreme Court cases 2021Da201085 and 2021Da201092: March 31, 2022; official precedent record 227257.
- Hyundai Marine Hi2601 wording: pages 867–868 for multiple-contract contribution and pages 881–883 for the example rider’s operation and expense structure.
Recheck subsequent law and case interpretation, actual deductibles, limits, coverage dates, waiting periods, recognized construction scope, matching loss pools and payment coding whenever the facts or contract change.
This tool does not calculate limitation periods, determine dispute outcomes or rank insurers or cancellation choices.
Prepare your itemized claim with the invoices beside you
Separate the five cost buckets first, add each policy’s verified terms and turn unresolved entries into specific questions for the insurer.
Use the related tools when you first need to examine broad insurance design, legal damages or the scope of a repair quote.