＜Elementary＞ Lesson No.12
Insurance Claim Processing Response in Overseas Construction Project / 海外建設プロジェクトでの保険クレーム処理対応
０．Greetings & Ice-break (2min.)｜挨拶と導入
0-1 Greetings
Let’s practice a short small talk that you can use to greet a business partner and start building a good relationship.
講師との挨拶を兼ねて、ビジネスパートナーと信頼関係を築くための短いスモールトークを練習してみましょう。
[Tips / 会話のヒント]
・Can you hear me clearly?
私の声はクリアに聞こえますか？
・How's your day going so far?
今日はどんな一日でしたか？
・Talk about one small topic (Work, Weather, News, Hometown, Sports event, etc.)
軽い話題について話しましょう（仕事、天気、ニュース、地元、スポーツイベントなど）
0-2 Introduction
In today’s lesson, we’ll learn about the following situation. Have you ever experienced something similar?
本日のレッスンでは以下のようなシチュエーションについて学びます。同様のシチュエーションを経験したことがありますか？
- If you have experience, please tell us what it was like, what was difficult, or what you learned.
経験があれば、どんな内容だったか、難しかったことや学んだことなどを教えて下さい。
- If you don’t have experience, try to imagine yourself handling that situation in English.
What do you think would be challenging?
経験がなければ、英語でその状況に対応しているところを想像してみましょう。どんなことが難しそうですか？
Situation / シチュエーション
Processing insurance claims for natural disaster damage and preparing appropriate documentation for rapid settlement with insurance assessors.
自然災害による設備損害について保険会社に損害状況を報告し、迅速な保険金支払いのための書類を準備する場面です。
1. Read (2 min)｜型を学ぶ
Let's read the following key sentences aloud!
下記の文章や単語を順番に音読しましょう！
1-1 Basic phrases
１．Let me explain the damage...（損害について説明させてください）
２．We based the estimate on...（...に基づいて見積もりました）
３．I can clarify the calculation...（計算について明確にできます）
４．We have monthly maintenance logs for...（...について月次メンテナンス記録があります）
５．These records confirm that...（これらの記録は...を確認しています）
６．We followed all safety requirements...（すべての安全要件に従いました）
７．This should support our claim that...（これは...という当社の主張を裏付けるはずです）
1-2 Essential words
１．provide（提供する）
２．detailed（詳細な）
３．share（共有する）
４．explain（説明する）
５．require（必要とする）
６．confirm（確認する）
７．include（含める）
８．appreciate（感謝する）
９．exceed（超える）
１０．receive（受領する）
2. Try (3 min)｜ロールプレイ練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
Situation / シチュエーション（Reference again）
Processing insurance claims for natural disaster damage and preparing appropriate documentation for rapid settlement with insurance assessors.
自然災害による設備損害について保険会社に損害状況を報告し、迅速な保険金支払いのための書類を準備する場面です。
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for meeting with me today. We received your initial damage report from the natural disaster at your construction site. Could you provide a detailed breakdown of the damaged equipment and the estimated repair costs? We need to verify the scope of the claim before we can proceed with the assessment.
（本日はお時間をいただきありがとうございます。建設現場での自然災害による初期損害報告を受領しました。損傷した設備の詳細な内訳と修理費用の見積もりを提供していただけますか？査定を進める前に、請求の範囲を確認する必要があります。）
🧑🎓【Student / Project Manager】:
Understood. Let me explain the damage in detail. We lost 3 excavators, 2 cranes, and 5 generators due to the flood. The total estimated cost is 850000 USD. We prepared a complete inventory list with photos and original purchase records. I can share these documents with you right away.
（承知しました。損害について詳しく説明させてください。洪水により、ショベルカー3台、クレーン2台、発電機5台を失いました。推定総額は85万米ドルです。写真と元の購入記録を含む完全な在庫リストを準備しました。これらの書類をすぐに共有できます。）
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for the breakdown. However, I notice the claim amount seems quite high. Could you explain how you calculated the repair costs? Also, we require proof that all equipment was operational before the disaster. Do you have maintenance records for each item?
（内訳をありがとうございます。ただし、請求額がかなり高額に思われます。修理費用をどのように計算したか説明していただけますか？また、すべての設備が災害前に稼働していた証明が必要です。各機器のメンテナンス記録はお持ちですか？）
🧑🎓【Student / Project Manager】:
Yes, I can clarify the calculation. We based the estimate on current market prices for replacement, not repair, because the equipment was completely submerged and cannot be restored. We have monthly maintenance logs for all machines, signed by certified technicians. These records confirm that every item was in working condition 2 weeks before the flood. I will include these documents in our submission.
（はい、計算について明確にできます。設備が完全に水没し復旧できないため、修理ではなく交換の現在の市場価格に基づいて見積もりました。すべての機械について、認定技術者が署名した月次メンテナンス記録があります。これらの記録は、洪水の2週間前にすべての機器が稼働状態にあったことを確認しています。提出書類にこれらの文書を含めます。）
👨💼【Teacher / Insurance Claims Adjuster】:
I appreciate the detailed explanation. One more concern: our policy covers natural disasters, but we need to confirm that proper safety measures were in place. Were the equipment and materials stored according to the site safety plan? If we find that basic precautions were not followed, it may affect the claim approval.
（詳細な説明をありがとうございます。もう1つ懸念があります。当社の保険は自然災害を対象としていますが、適切な安全対策が講じられていたことを確認する必要があります。設備と資材は現場安全計画に従って保管されていましたか？基本的な予防措置が守られていなかったことが判明した場合、請求承認に影響する可能性があります。）
🧑🎓【Student / Project Manager】:
Yes, we followed all safety requirements. The equipment was stored in the designated area shown in our approved site plan. However, the flood level exceeded the 50-year record by 2 meters, which was beyond our risk assessment. We have weather reports and local government statements that confirm this was an exceptional event. This should support our claim that we took reasonable precautions.
（はい、すべての安全要件に従いました。設備は承認された現場計画に示された指定エリアに保管されていました。しかし、洪水水位は50年記録を2メートル超え、これは当社のリスク評価を超えていました。これが例外的な事象であったことを確認する気象報告と地方自治体の声明があります。これは、当社が合理的な予防措置を講じたことを裏付けるはずです。）
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for addressing my concerns. Based on what you've explained, your claim appears to meet our policy conditions. Please submit all the documents we discussed—inventory list, maintenance records, site plan, and weather reports—within 5 business days. Once we receive and review everything, we can move forward with the payment process. I expect the review to take about 2 weeks.
（懸念事項に対応していただきありがとうございます。説明いただいた内容に基づくと、請求は当社の保険条件を満たしているようです。協議したすべての書類—在庫リスト、メンテナンス記録、現場計画、気象報告—を5営業日以内に提出してください。すべてを受領し確認次第、支払いプロセスを進めることができます。確認には約2週間かかる見込みです。）
3. Use (4 min)｜ロールプレイ & 実践（空欄補完）
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
Situation / シチュエーション（Reference again）
Processing insurance claims for natural disaster damage and preparing appropriate documentation for rapid settlement with insurance assessors.
自然災害による設備損害について保険会社に損害状況を報告し、迅速な保険金支払いのための書類を準備する場面です。
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for meeting with me today. We received your initial damage report from the natural disaster at your construction site. Could you provide a detailed breakdown of the damaged equipment and the estimated repair costs? We need to verify the scope of the claim before we can proceed with the assessment.
🧑🎓【Student / Project Manager】:
Understood. Let me ［説明する］ the damage in detail. We lost 3 excavators, 2 cranes, and 5 generators due to the flood. The total estimated cost is 850000 USD. We prepared a complete inventory list with photos and original purchase records. I can ［共有する］ these documents with you right away.
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for the breakdown. However, I notice the claim amount seems quite high. Could you explain how you calculated the repair costs? Also, we require proof that all equipment was operational before the disaster. Do you have maintenance records for each item?
🧑🎓【Student / Project Manager】:
Yes, I can clarify the calculation. We based the estimate on current market prices for replacement, not repair, because the equipment was completely submerged and cannot be restored. We have monthly maintenance logs for all machines, signed by certified technicians. These records ［確認する］ that every item was in working condition 2 weeks before the flood. I will ［含める］ these documents in our submission.
👨💼【Teacher / Insurance Claims Adjuster】:
I appreciate the detailed explanation. One more concern: our policy covers natural disasters, but we need to confirm that proper safety measures were in place. Were the equipment and materials stored according to the site safety plan? If we find that basic precautions were not followed, it may affect the claim approval.
🧑🎓【Student / Project Manager】:
Yes, we followed all safety requirements. The equipment was stored in the designated area shown in our approved site plan. However, the flood level ［超える］ the 50-year record by 2 meters, which was beyond our risk assessment. We have weather reports and local government statements that ［確認する］ this was an exceptional event. This should support our claim that we took reasonable precautions.
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for addressing my concerns. Based on what you've explained, your claim appears to meet our policy conditions. Please submit all the documents we discussed—inventory list, maintenance records, site plan, and weather reports—within 5 business days. Once we receive and review everything, we can move forward with the payment process. I expect the review to take about 2 weeks.
4. Challenge (7 min)｜応用実践
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
*Let's practice this part repeatedly until we can speak it smoothly.
このパートはスムーズにスピーキングできるようになるまで繰り返し練習しましょう。
Situation / シチュエーション（Reference again）
Processing insurance claims for natural disaster damage and preparing appropriate documentation for rapid settlement with insurance assessors.
自然災害による設備損害について保険会社に損害状況を報告し、迅速な保険金支払いのための書類を準備する場面です。
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for meeting with me today. We received your initial damage report from the natural disaster at your construction site. Could you provide a detailed breakdown of the damaged equipment and the estimated repair costs? We need to verify the scope of the claim before we can proceed with the assessment.
🧑🎓【Student / Project Manager】:
Understood. ［損害について詳しく説明させてください。］ We lost 3 excavators, 2 cranes, and 5 generators due to the flood. The total estimated cost is 850000 USD. We prepared a complete inventory list with photos and original purchase records. I can share these documents with you right away.
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for the breakdown. However, I notice the claim amount seems quite high. Could you explain how you calculated the repair costs? Also, we require proof that all equipment was operational before the disaster. Do you have maintenance records for each item?
🧑🎓【Student / Project Manager】:
Yes, ［計算について明確にできます。］ ［設備が完全に水没し復旧できないため、修理ではなく交換の現在の市場価格に基づいて見積もりました。］ ［すべての機械について、認定技術者が署名した月次メンテナンス記録があります。］ These records confirm that every item was in working condition 2 weeks before the flood. I will include these documents in our submission.
👨💼【Teacher / Insurance Claims Adjuster】:
I appreciate the detailed explanation. One more concern: our policy covers natural disasters, but we need to confirm that proper safety measures were in place. Were the equipment and materials stored according to the site safety plan? If we find that basic precautions were not followed, it may affect the claim approval.
🧑🎓【Student / Project Manager】:
Yes, ［すべての安全要件に従いました。］ The equipment was stored in the designated area shown in our approved site plan. However, the flood level exceeded the 50-year record by 2 meters, which was beyond our risk assessment. We have weather reports and local government statements that confirm this was an exceptional event. This should support our claim that we took reasonable precautions.
👨💼【Teacher / Insurance Claims Adjuster】:
Thank you for addressing my concerns. Based on what you've explained, your claim appears to meet our policy conditions. Please submit all the documents we discussed—inventory list, maintenance records, site plan, and weather reports—within 5 business days. Once we receive and review everything, we can move forward with the payment process. I expect the review to take about 2 weeks.
\ If you have some extra capacity, give it a try（余力があればやってみましょう）/
5. Real-world application (5 min)｜実務応用
Let's speak freely with the phrases and flow we learned today. If you can, imagine your real job—it makes practice more effective.
本日学習した単語やフレーズ、会話の流れを思い出しながら、自由に話してみましょう。可能であれば、自身の実務を想像しながら話すと効果的です。
Situation / シチュエーション
A natural disaster damaged construction equipment at an overseas site, and an insurance claim must be filed.
The insurance adjuster requires detailed damage reports and supporting documents from the project manager.
海外建設現場で自然災害により設備が損傷し、保険請求を行う必要がある。
保険査定担当者はプロジェクトマネージャーに詳細な損害報告と裏付け書類を要求している。
👨💼【Teacher / Insurance Claims Adjuster】:
I need you to explain the full extent of the damage and provide all necessary documentation for our assessment. Can you walk me through what happened and what evidence you have prepared?
（損害の全容を説明し、査定に必要なすべての書類を提供していただく必要があります。何が起こったか、どのような証拠を準備したかを説明していただけますか？）
🧑🎓【Student / Your Role】:
(Free Speaking based on today's lesson)
Hints / ヒント
１．Explain the damage in detail（損害を詳しく説明する）
２．Clarify the cost calculation method（費用計算方法を明確にする）
３．Confirm equipment condition before the disaster（災害前の設備状態を確認する）
４．Demonstrate compliance with safety requirements（安全要件への準拠を示す）
※This is not a role-play. Please speak until you finish your thoughts.
このパートはロールプレイ形式ではありません。最後まで通して話してみましょう。
6. Wrap-up (2 min) ｜レッスンの振り返り
Let's review today's lesson with your teacher!
今日のレッスンについて講師と振り返ってみましょう！
6-1 Comments from student
・Good points / 良かったところ・上手くできたところ
・Things to work on / 今後強化したいところ
6-2 Feedback from teacher
・Good points / 良かった点
・Things to work on / 今後の強化ポイント
・What to review / 復習ポイント
*6-3 Questions from student (if any)
Japanese translation（日本語訳）
1. Read (2min)（型を学ぶ）｜基本フレーズ
2. Try (4min)（ロールプレイ練習）｜型を使った練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
3. Use (7min)｜応用
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
4. Challenge (7min)｜実践
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
5. Wrap-up (3min) – レッスンの振り返り
"Let’s review today’s lesson with your teacher!”
「今日のレッスンについて講師と振り返ってみましょう！」
5-1. Comments from Student
- Good points / 良かったところ・上手くできたところ
- Things to work on / 今後強化したいところ
5-2. Feedback from Teacher
- Good points / 良かった点
- Things to work on / 今後の強化ポイント
- What to review / 復習ポイント
5-3. Question from Students (If any)