Iintlobo zeeMpawu zeManzi: Ukugcinwa kwamanzi, ukukhupha, ukukhupha kunye noMkhukula

by Mila Araujo

Ngaba Unesiqinisekiso sokuMonakalisa kwamanzi kwiKhaya lakho?

Ngaba Ikhaya Lakho I-Insured For Damage Water?

Amanzi ngenye yezizathu eziqhelekileyo zomonakalo emakhaya, kwaye ibonisa inani elikhulu lemali yomshuwalense .

Umonakalo wamanzi kwipropati yakho inokwenzeka ntoni na kunani na umthombo wemithombo:

zokupaka okanye izixhobo
imozulu okanye imvula
iingozi
ukungena

Izizathu zokulimala kwamanzi kwi-Inshorensi: Yintoni efihliweyo?

Ukuba umonakalo wamanzi lukhawuleza kwaye lwenzeke ngengozi, kunethuba elihle lokuba uhlanganiswe yinkqubo eninzi yemali yomshuwalense ekhaya.

Ngokuxhomekeke kumgaqo-nkqubo wakho, unokuba negalelo lomonakalo obangelwa ngamanzi . Olunye ukhuseleko lufakwe kumgaqo- nkqubo wekhaya oqhelekileyo njenge-HO-3; enye imithombo yomonakalo ayinakukhutshwa ngaphandle kokuba ungeze ukwamkelwa kwipolisi yakho. Kuxhomekeka ngokwenene uhlobo lwekhaya, i-inshurensi ye-condo okanye i-inshurensi ye-renters enayo. Umgaqo-nkqubo wakho womninimzi oqhelekileyo uza kubandakanya:

Ukulimala okubangelwa ubunzima beqhwa, iqhwa okanye i-sleet. Oku kungenza ukubola kwephahla okanye ukulimala kwamanzi, phakathi kwezinye iingxaki.
Ukukhupha nokukhukhula kwamanzi, nokuba ngaba yingozi.
Ukuqhekeza, ukucima, ukutshisa okanye ukutshisa kwe-steam okanye inkqubo yokufudumala kwamanzi ashushu.
Ukukhutshwa kwamanzi kunye nemibhobho.

Nangona kunjalo, ukuba ukhethe uhlobo oluthile lwepolisi, okanye ukuba uvumeleke kumgaqo-nkqubo onjenge-HO-1 okanye HO-8, unokufumana ukukhawuleza kakhulu. Ngokungafani neminye imigaqo-nkqubo efanelekileyo, ezi zibandakanya isethi esilinganiselwe seengozi kwaye aziyi kubandakanya izinto ezichazwe ngasentla.

Ukuqonda ukuhlukana kwiInshurensi yokuLawulwa kweMithombo yamanzi

Ukuba udidekile okanye udidekile ngumonakalo wamanzi kunye ne-inshorensi, awuyedwa. Ngezantsi zichazwa kunye neenkcazo zeempazamo zamanzi ezididekileyo ezidibeneyo kunye nento oyifunayo ukuba uyazi malunga nenkcazelo yakho ukuba kufuneka wenze ibango. Awufuni ukuba umonakalo wamanzi ibango liphikisiwe .

3 Iintlobo zeMonakalo yamanzi kwi-Intshurensi yaseKhaya

Ezinye iintlobo zomonakalo wamanzi zilungele ngqo. Kunceda ukuba uqhelane neentathu zazo. Xa ufowuna ukwenza ibango kwaye ufumanise ukuba uyagutyungelwa, inkampani yomshuwalense ingasebenzisa imiqathango efana nale:

Ukugcinwa kwesondlo okanye ukugcinwa kwamanzi
Ukugqithisa nokukhutshwa
Umkhukula

Umthombo wamonakalo wamanzi akusoloko ucacile. Inkampani ye-inshorensi ingaphonsa ezinye zezi ngqungquthela xa ubiza ukuba ubuze ukuba unxibekile kumbango wokulimala kwamanzi. Ngaphambi kokugqiba isigqibo sokuba ngaba idibeneyo okanye ayiyi ku funeka icinge ukuba kwenzeka njani umonakalo.

Inkampani yomshuwalense izothumela i-adjuster ukulawula ibango lakho kwaye iya kuphanda umthombo womonakalo ukubona ukuba ifakwe.

Umonakalo wamanzi unokuthi ube Ncinci kwi-Intshurensi yakho

Kwezinye iimeko, ukukhawulelwa kwamanzi kungangeniswa kwipolisi yakho. Ungaqwalasela ukuba ubone ukuba unomonakalo owenziwe ngamanzi okhuseleko njengokwesekwa komgcini we-sewer eyongeziweyo njengendlela yokuvumela ngokujonga iphepha lakho lokumemezela .

01 Umgcini weeMveliso okanye iManzi emva kokuPhakanyiswa kwamanzi - Amabango e-inshurensi yasekhaya

Ukugcinwa kweefowuni kuchaza oko kwenzekayo xa amanzi ephakanyiswayo okanye aqhutywe kwikhaya lakho ngokusebenzisa iipayipi ukusuka kumatshini okuhambisa amanzi okanye amanzi. Uhlobo olungonakaliyo lomonakalo wamanzi kuba luhlala lubandakanya amanzi angcolileyo kwiindawo zokuthungela amanzi ezingasayi kutshabalalisa impahla yakho kuphela kodwa inokuchaphazela impilo yakho ngenxa yokuba ayinalo.

Uninzi lwabantu alukwazi kakhulu malunga nokukhutshwa kwe-backup cover if they have never had to make a claim. Ukugcinwa kweefowuni kungabangela amawaka eedola. ISigqeba soPhando loBunjineli boLuntu sibonisa ukuba izithintelo zeziganeko zogcino lwezityalo zikhulayo kwisantya se-3 ekhulwini ngonyaka, ngoko ke le ngxelo enye awufuni ukuyenza ngaphandle kwayo.

Kukho imithombo emininzi yokwenza umgca wokukhuphela komkhumbi:

Ukukhutshwa kwesixeko esisisiseko senkunkuma: Ukuba isixeko esikhulu sivaliwe, kunokubangela ukuba amanzi abuyele ekhayeni lakho ngokusebenzisa iipayipi.
Iinkqubo zokuhambisa amanzi eziguga ezifuna iimbuyekezo okanye ukulungiswa.
Ingcambu yomthi: Xa unemibhobho emidala, imigca yokuhambisa amanzi kunye nemibhobho yokungena kwamanzi, izimpande zemizi zingayifumana indlela yazo kwimibhobho kwaye ibangele izibhengezo. Ungaqwalasela le ngxaki kwimigca yakho ngokwendlela yokupenda ipolisi uhlolisise iipayipi zakho ngekhamera kwaye wenze ulondolozo olusisiseko lokukhusela ekhaya.
Imiba yemipayipi enxulumene nesiXeko njengemipopini edibeneyo okanye iingxaki kwindawo ekhuselekileyo: Xa inkqubo oyisebenzisayo idibanisa ukuthuthwa kwamanzi kunye nesiphepho samanzi kwipayipi enye kunokuba ibe nombhobho ohlukeneyo ngamnye, ezi zidibeneyo. Inkqubo inokugxininiswa kwisiqhwithi kwaye amanzi angakwazi ukubuyela ekhaya lakho.
Ukugqithisa okanye ukubuyela emva kweenkqubo zokuhambisa amanzi kwikhaya lakho. Ukuba iinkqubo zakho zokungcolisa okanye iimpompo zamanzi emvula zivaliwe okanye zigxininiswe yimfucuza okanye ukugeleza kwamanzi ngokukhawuleza kungabangela ukubuyisela ekhaya lakho.

Ukugcinwa kwe-Sewer yokugcina umgca akufakwanga ngokuzenzekelayo kwiinkqubo ezininzi eziqhelekileyo zomnini wezindlu. Umele uyifake kwipolisi yakho ngokuvuma ukuba uqiniseke ukuba ukhuselwe ngokwaneleyo.

Inkcazo yokugcinwa kwenkxaso yokhuseleko ingongezwa kumgaqo-nkqubo ungaphantsi kwe-$ 40 ukuya kwii-50 zamawaka ngonyaka, ngokweNkcazelo ye-Insurance Information Institute. Qhagamshelana nenkampani yakho yenkampani yomshuwalense ukuze ufumene iindleko ezithile, kodwa ucinga ngeendlela zokuguqula umkhumbi kwiindawo ezininzi kunye neemeko ezikhulayo zemozulu nemimoya ebangela ibango, kuyafaneleka ukufumanisa.

02 Ukuphuphuma kwamanzi kunye nokukhutshwa kwamanzi Ukulimala kwamanzi

Ukugqithisa nokukhupha umonakalo wamanzi luhlobo lomonakalo wamanzi abaninzi abantu bacinga ngalo xa becinga umonakalo wamanzi kwikhaya labo.

Ukugqithisa kubandakanya ukuphunyuka kwamanzi okanye ukugqithisa kwezixhobo, iipayipi okanye izitishi zamanzi ekhaya lakho. Eminye imizekelo ibandakanya ibhubhe okanye umatshini wokuhlamba.

Ukukhutshwa yiyo eyenzekayo xa amanzi akhululwa kwi-plumbing okanye kwizixhobo zombane aze akhukula ekhaya lakho. Ngokomzekelo, ukuba inkunkuma yakho yamanzi iyaphuma okanye ipayipi iqhume, kukho ukukhutshwa kwamanzi ngokukhawuleza.

Isisitshixo sokubhengezwa kwezi meko ku funeka kube ngokukhawuleza kunye nengozi , kungekhona isondlo okanye inkxalabo yokugqoka nokukhupha.

Olunye uhlobo lomonakalo abantu abahlala belunzima ukuqonda lulolu hlobo. I-Seepage ayikho ngokukhawuleza, ngoko ayiqhelekanga. Ukugqithisa nokukhupha kudla ngokukhawuleza kwaye kuyingozi kwaye ngokuqhelekileyo kubangela inani elikhulu lamanzi ukungena kwikhaya lakho.

03 Umkhuhlane weNkcitho yoMonakalo yamanzi

Ngokuqhelekileyo usebenzisa igama elithi "umkhukula" ukuchaza ukuba unamanzi ekhaya lakho. Usenokuthi, "Isiseko sam siphezulu." Ingadideka xa uxelelwa ukuba i-inshorensi ayigqubuthele umonakalo wesikhukhula, kodwa abantu bahlawulelwa "umonakalo wamanzi." Kukho umahluko phakathi kokulimala kwamanzi kunye nomonakalo wesikhukhula.

Yintoni "uMkhukula" kwimigomo yomshuwalense? Inkcazo

I-inshurensi iyakubheka ibango lokukhukula njengoko umzimba wamanzi uphuphuma kangangokuba umgangatho wamanzi ngaphandle kwendlu yakho uphakama ukuya kwindawo apho ungena khona ekhaya. Incazelo esemthethweni yomkhukula ithi "yimeko eqhelekileyo neyesikhashana yokuhlambalaza okupheleleyo okanye okugqibeleleyo kweehektare ezimbini okanye ngaphezulu kunye neepropati ezimbini okanye ngaphezulu zomhlaba owomileyo."

Indlela efanelekileyo yokuqonda ukuba unayo ibango lokutshatyalaliswa kwamanzi okanye umonakalo wamanzi ukuchonga ukuba ngaba ngaphezulu kwekhaya elichaphazelekayo. Ukuba kunjalo, unokuba ukhangele kwiimeko ezikhukula okanye ukukhupha.

Ukuba kuphela ikhaya lakho lichaphazelekayo, mhlawumbi unayo ibango lokukhukula nangona uvakalelwa kukuba "unxweme." Umthombo wamanzi kunye nembangela yomonakalo mhlawumbi enye yeemeko ezichazwe ngasentla. Ukuba kukho ngokukhawuleza kwaye kwengozi kwaye kungekhona ngenxa yesondlo, ingaba ngumonakalo wamanzi obonakalisiweyo.

Umkhukula ngokuqhelekileyo awunakutyhulwa yimigaqo-inshorensi yasekhaya. Ukuba unenkxalabo ethile kwingingqi yakho, qhagamshelana neofisi yomkomishinala wommandla wengingqi ukuze uthole iinkcukacha malunga nentshorensi ekhoyo kwindawo yakho. Iyakwazi ukuhluka ukusuka kummandla ukuya kwimeko.

Ukuqonda ukuba yintoni Umonakalo wamanzi owawuyidingayo

Into eyona nto inzima ukujongana nayo xa unomonakalo wamanzi unokuqikelela ukuba ukhuselwe. Ngoku ukuba uqonda iintlobo ezahlukahlukeneyo zomonakalo wamanzi eziqhelekileyo ezifakwe kwiiminshurensi, unokuxoxa ngengxelo yakho kunye nommeli wakho we-inshorensi yakho ukuze ufumene oko kuthethwa ngolu hlobo lwenkqubo. Ungayisebenzisa kwakhona le ngcaciso njengesixhobo kukukunceda ukuba ufumane ukuba ufuna ukongeza izibonelelo ezongezelelweyo zokongeza umonakalo wamanzi kwipolisi yakho. Zonke iinkampani zomshuwalense ziyahluke. Le ngcaciso isikhokelo sokukunceda uqonde ukhetho lwakho. Ummeli wakho we-inshorensi akukuphela kwimeko efanelekileyo yokukunika iinkcukacha ezithe zafunyanwa kumgaqo-nkqubo wakho, kodwa unomthombo ophezulu kakhulu wolwazi xa kuziwa kwiingozi kwindawo yakho. Unokukwazi ukufumana ulwazi malunga namabango asekuhlaleni kunye nomonakalo wamanzi onokukuchaphazela. Ukuba ufuna ulwazi olungaphezulu kolunye umthombo, unako ukuqhagamshelana neofisi yakho yomshuwalense womntu we-inshurensi ukuze ufumane okungakumbi malunga nento ekhoyo kwilizwe lakho kunye nomzi.