Iziqhwithi zivunguvungu ezinkulu ezenza phezu kwamanzi kwaye zenze indlela yazo kwimimandla yonxweme. Iqhwithi lonyaka liqala ukususela ngoJuni 1 ukuya kuNovemba 30 e-Atlantic kunye noMeyi-15 ukuya kuNovemba 30 eMpuma ye-Atlantic. Ngeli xesha, abaninzi abaninxweme kunye nabanini-propati banenkxalabo malunga nomonakalo ovela kwiintsholongwane kunye nokuba yintoni enokuthi ingayi kuhlawulwa yi-inshurensi yawo.
Ukuhlawula umonakalo emva kwephepho kufuneka ukuba ufumane i-inshurensi yangaphambili.
Oko Kufuneka Ukwazi Ngeziphulo Zomonakalo kunye Nokuqinisekisa Impahla Yakho
Kule nqaku, siza kubhala imibuzo ehlala ibuzwa malunga nomonakalo wesikhukhula kunye nomonakalo wepropathi kunye nokwahlukana phakathi kwe-inshurensi yasekhaya kunye nomkhukula kunye nokukhuselwa kwesimo sezulu esiyimfuneko. Kuyo yonke, sinxulumene nolwazi olongezelelweyo ngezihloko ukuba ufuna ezinye iinkcukacha. Ukuba unomonakalo wesikhukhula kwaye uzama ukufumanisa indlela yokwenza ibango kunye noko kunokufunyanwa, eli nqaku lingasetyenziselwa njengendlela yolondolozo endleleni. Awuyi kulufuna yonke ingcaciso apha namhlanje, kodwa unokufuna ukubuyisela emuva xa uthenga i-inshorensi okanye ukujongana nebango lakho, kuba amabango amaninzi athabatha ixesha lokulungisa kunye nemibuzo emininzi inokuvela kwinkqubo. Unokufunda okungakumbi malunga noko unokulindela kwibango elikhulu apha .
Ngaba Umgaqo-nkqubo wezindlu oza kuKhusela isiThutho seNkantyambo?
Imigaqo-nkqubo yabanini-mboleki ihlanganisa imiba eyahlukileyo kwimimandla yakho ebangelwa ziziphepho , kukho umonakalo wesikhukhula, kodwa, kwiimeko ezininzi ngenxa yeentlobo zemonakalo yempethu, kunokubangela ukuba abantu abaninzi bendawo enomngcipheko badinga ngaphezulu komgaqo omnye ukuhlawula umonakalo.
Ingaba udibene okanye awuxhomekeke kwi:
- uhlobo lomonakalo
- ukuba kubangelwa njani
- uhlobo lomthengi wendawo othengayo nalapho uhlala khona.
IiNdawo eziPhakamileyo zengozi kunye nezithintelo kuMgangatho
Izindlu kunye neepropati ezinjenge-condos kwiindawo ezinobungozi obuphezulu zineengxelo ezahlukileyo ezifumanekayo kubo kuneendawo ezibhekwa njengengozi ephantsi. Ngokuxhomekeka apho uhlala khona, ikhaya lakho, umnini-mali okanye umgaqo-condo ungabhalela enye yepropati yakho kwimonakalo ebangelwa yintsholongwane-umonakalo omoya womoya, nangona kunjalo, iindawo ezithintekayo kwiimvula zamanzi (kunye neengqungquthela) zingenakho ukungafumaneki kulo hlobo lomoya umonakalo, okanye unokufuna ukuba ungeze ukwamkela ukukhutshwa kwemvula.
Ukongeza kwimiba ebonakalayo kwingxelo esekelwe kummandla okanye kwindawo ohlala kuyo, enye into eyinkimbinkimbi ngeemvunguvungu kukuba zibangele iintlobo ezahlukeneyo zomonakalo, ngoko-ke akukho monakalo uhlanganiswe phantsi komgaqo-nkqubo wendawo yedwa kwaye iimpendulo zento efunyenwe kube nzima.
Iphulo lokuLawulwa kweNkqayi ngoMeyi ingadinga ngaphezu kweNkxaso-nkqubo yomshuwalense yokuKhusela iKhaya lakho
Iingqungquthela zizisa izinto ezininzi eziyingozi ezibangele umonakalo kwipropati evela kwimithombo eyahlukeneyo. Nangona abantu behlala bexhalabele ngomonakalo omoya ovela kwiindwangu, umonakalo onokuvela emanzini unokuba lubi kakhulu.
Ngenxa yoko, kubalulekile ukuqwalasela iintlobo ezahlukahlukeneyo zokufihla okuya kufuneka uzenzele ukukhusela umonakalo wesikhukhula. Umonakalo wesiqhumane unokubanjelwa i-inshurensi ngeendlela ezintathu:
- Umnini-mhlaba, umqeshi okanye i- Condo Ininshurensi (i-Windstorm kunye ne-endorsements)
- Umthombo Womoya
- Inqwelo-mali ye-NFIP kunye noMkhukhuphulo okhudlwanayo womkhuhlane (kumakhaya angaphezu kwama-250,000 kwixabiso)
UkuLawulwa kwamanzi okuThuthukisa okuKhuselo ngokuMkhukula njengeSiphumo seNqantyambo
Nangona i-backup sewer kungenziwa kwakhona, imbangela yecala lokukhusela i-sewer ibalulekile ukwazi. Inokuthi ikhutshwe ukuba umthombo wenkxaso yokukhusela imvula enkulu kwaye uthenge ukuxhaswa kwe-backup sewer. Ukuxhaswa kusekelwe kumagama kunye nokungafunyanwa komgaqo-nkqubo wakho, kunye nendlela umcimbi uchazwa ngayo yinkampani yakho yinshuwalense. Ukuba kuyisiphumo sogumbeko, isikhokhelo somkhumbi singasayi kuhlawula.
Umzekelo: Ukuba isibonelelo sokukhutshwa komkhumbi kubangelwa ngumkhukula, kwaye awuzange ube ne-inshurensi yomshuwalense, ngoko ungeke uhlanganiswe. Unokufumana umgca we-Back Up Up coverage njenge-endorsement kumgaqo-nkqubo wakho womnini ngokucela umthengisi wakho we-inshurensi okanye i-agent malunga nokuyongeza. Ukubuya emva kweNtshukumo kungenzeka ngaphandle kwesikhukula, kwaye kule ngxaki, inokuthi ikhutshwe ukuba ngaba unikwe imvume.
I-Quick Fact: Ngokutsho kweNkcazelo ye-inshurensi (III), ngaphantsi kweepesenti ezili-12 zabanini-bendlu abanesiqinisekiso seNkqubela yoMkhuhlane
Ziziphi iintlobo zeMonakalo eya kuba sisiKratshi?
Iintshukumo zenza iintlobo ezahlukeneyo zomonakalo. Umonakalo oqhelekileyo kwikhaya lakho ukusuka kwindwangu okanye isiphepho esiphezulu siya kwenzeka kwiingozi ezithile kunye neengozi ezinje:
- Umoya
- Imvula enkulu
- Umkhukula
- Isiqhwithi somoya
- Iziqhwithi
- Ukubuyiswa kweNtshukumo
Naziphi na izimangalo ozenzile umonakalo ekhaya lakho elibangelwa yiengozi zomshuwalense kunye neengozi ziza kuthi:
- unomlinganiselo okanye ubuninzi bexabiso elihlawulwayo
- ziya kuxhomekeka kwi-deductible. I-deductible iyahlukahluka ngokubhekiselele kwintoni ekujoliswe kuyo kwenzelwe umonakalo obangelwayo. (Sithetha ngeengcipheko ezinqabileyo ngezantsi).
Iphutha leNkqenkqenkquthela yeFailstorm Ukulimala kwiNtshurensi yaseKhaya kumazwe ahlukeneyo
Nangona unokuba ugqitywe ngumgaqo-nkqubo oqhelekileyo wokuba umnikazi womnini wemimoya womoya, kwiindawo ezinqabileyo ezinokuthi ungabi nazo. Kubaluleke kakhulu ukucela i-arhente yakho okanye umthengisi malunga nendlela umgaqo-nkqubo wakho ukusibekela ngayo kwaye imida, ukuxothwa kunye nokungafihli.
Iimvula ezinokutsha
Umgaqo-nkqubo ojongene nomonakalo omoya wempumputhe okanye ukuvunywa oku kunokubakho okungafaniyo nakweyona nkqubo.
Ngokwe-Insurance Information Institute (III), ezi zilandelayo ziphakathi kwalabo abanokuhlawulisa okhethekileyo ukuchithwa kwemvula: Alabama, Connecticut, Delaware, Florida, Georgia, eHawaii, eLouasana, eMaine, eMarney, eMassachusetts, eMississippi, eNew Jersey, ENew York, North Carolina, ePennsylvania, eRode Island, eSouth Carolina, eTexas naseVirginia.
Umbuso ngamnye unemilinganiselo eyahlukileyo, ukhetho lokubhengezwa, ukungafihli kunye nokufumaneka kwenkcazo. Ukuba ufuna uncedo olungaphezulu lokusingatha umonakalo womoya onokuvela kwiqhwithi, qiniseka uze ufumene indlela yokufumana ngayo kummeli wakho.
Ixesha lokulindela kunye neNtshuwalense ye-Windstorm
Xa uthengela umgaqo-mlilo, ungabhekana nexesha elilindelekileyo lomhla we-15. Qiniseka kwaye ubuze xa i-coverage iqalisa ukusebenza emva kokuthenga umgaqo-nkqubo.
Imizekelo yezinye iiMerika ezingadinga iMgaqo-nkqubo oyiNkcenkcesha eyongezelelweyo yeeNkantyambo
Ngenxa yokuhlala kwindawo ephezulu, iindawo ezininzi zinokungabikho kwi-standard standarderowner policy for the damage to windstorm, ezi zithile apho kufuneka ukhangele ekuthengeni umgaqo-mlilo womoya ukuba ube nomonakalo ovunguzelayo:
Alabama, Connecticut, iDelaware, eFlorida, eGeorgia, eLouisana, eMarney, eMassachusetts, eMississippi, eNew Jersey, eNew York, e-Rhode Island, eSouth Carolina, eTexas, eVirginia.
I-Shop Around Yokufumana I-Intshurensi Yasekhaya Ngomthombo Womoya
Ukuba inkampani yakho yomshuwalense ayinikezeli, yithengise kwaye ubone ukuba enye inkampani yomshuwalense kwindawo yakho yayiza kubonelela. Oku kunokukusindisa imali. Unako ukukwazi ukuthenga umgaqo-nkqubo wesimo sezulu kwenye indawo (jonga imizekelo engentla). Ukuba awuqinisekanga, unokuqhagamshelana neofisi yakho yomshuwalense welizwe kwaye baya kuba nako ukunceda ukuba ufumane izigqibo zakho.
Inshshurensi ngeNkantyambo yokuLawulwa kweMkhukula
Ukuba uluntu lwenu lithatha inxaxheba kwiNkqubo yeNkampani yoNgcakazo kaZwelonke (iNFIP), ngoko unokuthenga ithorensi yesikhukhula ngeNFIP. Unokucela ummeli wakho we-inshurensi yasekhaya ngolwazi okanye ukhangele uluhlu lwentlalo ye-NFIP inxaxheba.
Umshuwalense weMkhukula unokufumaneka kwakhona kwiinkampani zomshuwalense yabucala. Nangona umgaqo-nkqubo wezindlu oqhelekileyo uhlanganisa ezinye iindlela zokulimala kwamanzi, umgaqo-nkqubo wokuba umnikazi wendawo awufihla umkhukula, kufuneka uthenge ngokukhawuleza. Funda kabanzi malunga neentlobo ezahlukeneyo zomonakalo wamanzi .
Ngaba Ungathenga Iphephelo, Isiqhwithi somoya okanye uMkhukula oPhambili Ngaphambi kweNqantyambo?
Iinkampani ze-inshorensi zinganqwenela ukuthengisa umonakalo onomtsholongwane onxulumene neentsholongwane ngaphambi kokuba kuqhutywe iindwangu. Oku kuya kuxhomekeka kwinkampani yenkampani yomshuwalense, kodwa xa sele uhamba malunga neeyure ezingama-48 ngaphambi kokuba ukhangele iindwangu, kungenakukwazi ukuthenga ukuthenga.
Nangona uthengela ukukhutshwa kwangaphambili phambi kwesiphepho, le migaqo-mpu meko ihlala inexesha lokulinda. Ngokomzekelo, ungathenga i-inshurensi yamanzi, nangona kunjalo, kukho ixesha lokulinda leentsuku ezingama-30 ngaphambi kokuba ufikeleleko lwenkonzo yakho isebenze, ngoko ke ukuba ulinda de kubekho iqhwithi okanye umkhukula oza kwenzeka ukuba uzame ukuyithenga, uya kuphuma inhlanhla nayiphi na umonakalo ozayo.
Ingakanani Umkhukula Iindleko zomshuwalense?
Ii-premiums zomshuwalense ziza kuxhomekeka kwindleko oyifakayo kunye nommandla ohlala kuwo. I- FEMA inikeza ulwazi malunga neendawo zokukhukula, apho uthengela khona iindleko kunye neendleko zokukhawulela nge-FEMA yeeNkonzo zeeNkonzo zeMephu yamanzi. Oku kunokuba luncedo kakhulu ukufumana ulwazi oluthe ngqo kuwe,
Le sayithi inika iingqikelelo kwiindleko ze-inshurensi kwiindawo ezahlukileyo ukunika ingcamango, zineengcebiso ezithandekayo kunye neenyaniso, njengama-25 ekhulwini amakhaya anezikhukhula zonyaka ngamnye ziindawo eziphantsi kweengozi.
Iindleko Zokuphila ezongezelelweyo: Iindleko zokuhamba nokufuduka kwiKhaya leTyatile ngexesha lokulungisa
Xa ikhaya lakho lingenakulungiswa emva kwesiphepho, kunokufuneka ufumane kwenye indawo ukuba uphile ngelixa ikhaya lakho liyakhiwa kwakhona okanye lilungiswe. Iindleko zokuhlala kwenye indawo zingabhekiswa yi-inshurensi yakho, ke qiniseka kwaye ugcine zonke iirisithi kunye namaxwebhu anxulumene neendleko zakho xa unako ukufumana i-reimbursement ngokulahlekelwa kwakho .
Iimigaqo-nkqubo zomnini-nkqubo zihlala zibandakanya ukuhanjiswa kweeNdleko zokuHlala ezongezelelweyo (ALE) emva kokulahlekelwa. Okubalulekileyo apha kukuba ukwenzela ukuba iindleko zokuhlala ezongezelelweyo zihlawulwe, imbangela yesibango kunye nenobungozi eyenze ikhaya lakho lingabi nendawo yokuhlala kufuneka likhutshwe kwaye lingabandakanywa kumgaqo-nkqubo womnini-standard.
Imizekelo Xa i-ALE ifihliwe kwaye ayifihliwe yiNkcitho yoMkhuhlane
Ukuba unqatshelwe ngenxa yesikhukhula, umzekelo, kwaye ube negalelo ngeNFIP, ngoko nangona unemiyalezo yokukhukula, awuyi kuhlanganiswa ngeendleko zokuphila ezongezelelweyo.
Nangona kunjalo, ngokwemigangatho ye-III, i-inshurensi eyongeziweyo ngokwempahla yabanini-mali yangasese kumakhaya axabisa ngaphezu kwama-250,000 okanye kwiindawo ezingakhange zikhonjwe yi-NFIP zibonelela ngeendleko zokuhlala ezongezelelweyo.
I-inshurensi engaphezulu kweMkhukula iyatholakala ngamashishini abucalayo kwaye ingafumaneka kuwe ngommeli wakho we-inshorensi okanye kwinkampani yakho. Buza ummeli wakho we-inshurensi okanye umthengisi malunga nokukhethwa kwenkcazo.
Inkokhelo Inokuhlawula Kangakanani?
Iimali eziphezulu ezihlawulwa kwiibango zomshuwalense zichazwe yimida kunye nezihlomelo ezidweliswe kwiphepha lakho lokubhengezwa kwenqubomgomo yomshuwalense okanye isishwankathelo senkcazo. Ukuhlawulwa kwebango lakho kuya kuthathelwa ingqalelo i-exclusions eyongezelelweyo okanye imida ekhethekileyo ye-inshorensi efakwe kwigama lomgaqo-nkqubo.
Ngokomzekelo, ukuba ufuna ukuvuselela ikhaya lakho emva kwenhlekelele enkulu , kuya kufuneka ukuba ube nexabiso elifanelekileyo le-inshurensi kwindawo yokuhlala ukuze ufumane ixabiso lentengo yakho. Ngokuxhomekeke kwintsebenziswano eyabangela ukulahleka, unokuba neengxowankulu ezahlukileyo zokuqwalasela.
Kufuneka ujwayelane nemida ekhethekileyo yomshuwalense kwipolisi yakho. Sichaza ngakumbi ngemida ekhethekileyo ye-inshorensi apha .
Imida ekhethekileyo kunye nokungafunyanwa kweso sicelo kungafaka isicelo ekuhlaleni kunye nokuqulethwe kwindlu yakho, kunye nezinto ezincinci zifakwe kwi-inshorensi yakho yasekhaya njengamanqanawa, izixhobo zezemidlalo, iibhayisikili , iinqanawa ezincinane okanye iinqwelo zegalufa.
Iindleko zokutshintshwa kunye nexabiso langempela leeCash in Payment Claims Payments
Ekugqibeleni, enye into ekufuneka uhlawulwe ngayo kwibango yilo hlobo lokubhalwa . Xa uthengisa ipropati yakho okanye i-inshurensi yasekhaya, unokufumana iindleko ezithathayo njengezizathu zokuhlaliswa kwamabango, okanye ixabiso langempela lemali. Ezinye iinkampani zize zinikeze iindleko zokutshintshwa eziqinisekileyo okanye iinketho zemali.
Umgaqo ngamnye unemiqathango eyahlukeneyo, umzekelo, kwimeko yomshuwalense we-inshurensi, unokufumana ixabiso lentengo kwi-home. Oku kuthetha ukuba i-inshurensi iya kuhlawula iindleko zokuvuselela ikhaya, nangona kunjalo, kwi-NFIP, ukukhutshwa kwesiqulatho sakho kunokuba yixabiso langempela lemali (ACV). I-ACV ithetha ukuba uya kuhlawulwa kuphela kwixabiso elithinteleyo lepropati yakho. Ngeke ufumane imali eyaneleyo yokubuyisela izinto ozilahlekileyo.
Ngenxa yokuba iintshukumo zidala ulwahlulo oluninzi, kwaye nangenxa yokuba kukho iintlobo ezahlukeneyo zemigaqo-nkqubo enokuthi ingayikhokheli umonakalo obangelwa ziziphepheko kunye neziganeko ezinxulumene neentuthumbo, ukubethelwa kwakho kukusetyenziswa kweyona nkcazelo njengesikhokelo sokufikelela ukuya kwimshwalense yakho kwaye ubuze imibuzo efunekayo ukuze uqiniseke ukuba uyagutyungelwa kwaye ufumane ingxelo oya kuyidinga kwimeko yakho.