Oku kubaluleke ngakumbi ukuba umonakalo kwikhaya lakho lenza ikhaya lakho lingabi nendawo yokuhlala xa kulungiswa kwaye kufuneka uhlale kwenye indawo ngelixa ulinde.
Izinto ezi-3 I-Contractor efanelekileyo kufuneka ikunikeze:
- Ukuqikelelwa okubhaliweyo, ukuchaza iindleko zezinto eziphathekayo kunye nabasebenzi kwakunye neentlobo zomsebenzi oza kwenziwa
- Ixesha eliqhelekileyo elingalindela ukuba umsebenzi ugqitywe kuyo
- Inombolo yabo yeenkontileka zeenkontileka, Inombolo yomgaqo-inshurensi nenombolo ye-Contractors General Accountability, kunye nenani le-inshorensi yemfanelo.
Akufanele ulindele ukuhlawula ulwazi olungentla. Ikontraka eninzi ngokubanzi iyazi ukuba inxalenye yoshishino xa kuthengisa umsebenzi omhle kwaye isebenze neimangalo zomshuwalense ukunika uqikelelo. Uya kulufuna olu lwazi ukuba ulubonise kwi-insulator yakho ye-inshurensi ukuze uvumele ukuba avumele ukulungiswa kwikhaya lakho ngunkontileka. Inkqubo yebango idla ixesha elide ngenxa yelahleko ezinkulu kunye namabango, ngokubhekiselele kumancinci, unokufunda okungakumbi apha malunga noko unokulindela kwintlawulo yentlekele evela kwinkampani yinshuwalense .
Indlela yokwazi Ukuba iNkonkcola iyisisemthethweni kwaye ayiyi kutyhola
Unokuqhagamshelana namasebe karhulumente karhulumente ukuba ufumane ukuba umntu ozimelayo njengonkontileka asemthethweni. Ngokomzekelo, eli siza linika ulwazi kwiiofisi zombuso onokuqhagamshelana ngazo ukuba uqinisekise ukuba ikhontrakthi ilungile ngokuchofoza kwimeko yakho.
Iikontraki ezinelayisenisi kufuneka zingabi neengxaki zokukunika ulwazi olubonisa iziqinisekiso zabo.
Ngelishwa, kukho abantu okanye abantu abaqhelekileyo abanokuthi bangabontrakthi abaxhoba abantu kunye nokuxhalaba ngexesha lebango leentlekele , ingakumbi xa kukho indawo enkulu inhlekelele ebandakanyekayo. Ukuba usoloko uvakaliswa ngabanye balaba bantu abathengisayo abahlala behamba ngendlu ngendlu bahlasele iindawo zokuhlala ukuze bavelise ibhizinisi elitsha ukuze banikeze iinkonzo zabo zokucoca kunye nokulungisa, qiniseka kwaye ubuze ngezinto ezilapha ngasentla, uchaze ukuba uya zifuna le inshurensi yakho. Ukuba asemthethweni, baya kukwazi. Nangona abaninzi bala bantu binyanisekile kwaye bahloniphekile, ezinye azikho.
Iingcebiso zokufumana iiNkampani zeeNkampani zeNtsholongwane
Xa unesibhanki yomshuwalense, inkampani yomshuwalense inesibophelelo sokuhlawula umonakalo kwilahleko efunyenweyo xa umonakalo wehlelwe ngenxa yemingcipheko yomshuwalense . Iinkampani zomshuwalense zinamaqumrhu amaninzi ayaziwayo asebenza nabo kwaye banokuthi bancome unkontileka onokuthenjelwa kuwe, okanye unokukunika okukhethwa kukho. Cinga ukusebenzisa inzululwazi kunye noluncedo kwimeko, emva koko konke ohlawula i-inshorensi: ukukunceda kwibango.
Le ndlela yindlela elula kwaye ilungileyo yokufumana ikontrakethi ehloniphekileyo neyophendula.
Uhlala ukhululekile ukufumana iingcamango zesibini kwaye uxoxisane ne-adjuster yakho, nangona ngokukhetha ikontrakta inkampani yomshuwalense ekhethiweyo, inokukhusela ngenxa yokuba abo bakontrakthi bayaxanduva kwiinkampani zomshuwalense kwaye abafuni ukuphula ezo zibophelelo.
Iinkampani ze-inshurensi zinika iikontraki ngemisebenzi emininzi kwaye baninzi abathengi ukuba bakhonze iinkonzo, ngoko cinga phambi kokuba wenze isigqibo sokuhamba ngokwakho ukufumana ikontraka. Ukuvumela inkampani yomshuwalense ukuba iyinyamekele ingakugcina ubunzima obuninzi, ixesha neengxaki.
Izinyathelo ezi-6 zokuthabatha ukuzikhusela nokufumana iNkontrakta
Ngezantsi uluhlu oluthenjisiweyo lwamanyathelo angama-6 ukuba uthathe ukuze uzikhusele kwaye ufumane ikontrakta elithembekileyo nelisemthethweni:
1. Qhagamshelana nenkampani yakho ye-inshorensi kwaye ubuze umlungisi we- inshurensi obelwe ibango lakho.
Yenza i-adjuster ifumane ikontrakta yenkampani yomshuwalense ukuvavanya umonakalo kwaye wenze uqikelelo lwemonakalo kunye nokulungiswa kweendleko kwipropati yakho.
Umququzeleli we-inshorensi uya kukwazi ukuba yeyiphi inqaku lomsebenzi onomgaqo-nkqubo wakho kwaye uya kuba nako ukukunceda ekukhokeleni ngokufanelekileyo.
Ngokwenza oku kuqikelelwa uza kuba neethuluzi lokuthintana xa unkonkontrakthi ehamba nawe ngokuqikelela. Kufuneka usebenzise le ngqikelelo ukuthelekisa nxamnye nekhontrakthi yakho eyakhethwe ngasese.
Ngamanye amaxesha kuya kubakho umehluko kumlinganiselo wekontrakta yenkampani yomshuwalense kunye nekontraka yakho, ukuba oko kwenzekayo kufuneka ufumane i-inshurensi yakho yokuhlaziya uqikelelo kunye nekontrakta yakho kwaye uzazise ukuba umsebenzi uya kuvunywa. Ngaphandle koko, awuyi kuhlawulwa.
Umququzeleli we-inshorensi kufuneka ahlale evumelana nokulungiswa okwenzayo, ngaphambi kokuba kwenziwe, okanye ungahlawulwa.
2. Hlola iLayisenisi yeContraktor kunye neeReferensi
Into yokuqala kufuneka ucele kuyo kwikontrakta ngaphambi kokuba naluphi na umsebenzi owenziweyo. Xa ukhangela itekontrakta, jonga ukuhlaziywa kwe-intanethi, shayela abahlobo nabathetheli abathembekileyo kwaye ubacele ukuba banayo nayiphi na iikontraki abanokukubhekisela kuwe. Buza ikontrakta ukuba ngaba yinxalenye yoMbutho weekhaya wasekhaya , kunye neBusiness Business Bureau. Okubaluleke kakhulu, qinisekisa ukuba ikhontrakthi inikwe ilayisenisi kwaye ithwala intlawulo yomshuwalense we-inshurensi kunye nokucela ubungqina. Ukuba ikhontrakthi ayinagqirha, unokuba noxanduva lwezingozi ezenzeka kwipropati yakho.
3. Funda iprinta encinci kwaye ufumane imvume yoKhenkethi yeNkampani yakho
Yiba nokukhuthelela kakhulu ukufunda naziphi na iimaphepha unkonkontli ufuna ukuba usayine.
Musa ukusayina nayiphi na isivumelwano kunye nontengiso ngaphandle kokuba inkampani yomshuwalense ivume umsebenzi.
Xa uqesha ikhontrakthi ibango le-inshurensi, kufuneka uxoxe ne-Adjuster yakho ye-inshurensi kuba ibango lomshuwalense awunalo igunya lokuvuma ukulungiswa. Kuphela xa inkampani yomshuwalense ivuma ukulungiswa okuhlawulwayo. Unokucela umlungiseleli wakho ukuba akwazi ukuthetha nekontraka yakho ukuba axoxe ngokuqikelelwa ngaphambi kokuba nayiphi na into evunyelweneyo.
Qinisekisa ukuba isivumelwano sibhaliwe kakuhle kwaye siquka amalungiselelo enjengelophi umsebenzi umontrakethi oza kuqinisekisa kwaye ixesha elide liza kusebenza njani.
Ukongeza, qiniseka ukuba kukho umgaqo-nkqubo wokukhansela onika ubuncinane iintsuku ezi-3 zoshishino ukuba ukhansele isivumelwano esasayinwe naliphi na isizathu, njengoko oku kukunika ixesha lokubukeza inkontileka ngaphandle kokuba uzive ukhawuleze ukwenza isigqibo. Kulungile kunjalo, cela unkontileka ukuba akushiye ikopi engenanto yekhonkonti ukuze uhlaziywe ngobusuku bonke kwaye ugweme iikontraki eziya kukwenjenjalo.
Kwakhona, qinisekisa ukuba usuku lokugqiba lufakwe kwisivumelwano. Ukuba udidekile malunga nekhontrakthi enikezelayo, cela umlungiseleli wakho we-inshurensi ukukunceda. Yiyo yinkampani yomshuwalense. Inkampani yenkampani yomshuwalense iya kuba nako ukuxelela ukuba izongezelelo zakho zongezelelweyo ziza kubanjelwa ngeli xesha okanye cha.
Ukulibaziseka kontrakta okubangelwa yikontrakthi ozikhethileyo ayiyi kuhlanganiswa yinkampani yinshuwalense.
Ukuba ufuna uncedo ukuqonda amagama e-contract yezomthetho, kufuneka uqwalasele iinkonzo zoncedo lwezomthetho ezininzi iinkampani zomshuwalense wekhaya eziza kunika njengenxalenye yomgaqo-nkqubo wakho weendleko eziphantsi okanye eziphantsi; okanye igqwetha lakho ukuphonononga isivumelwano kunye nenkontileka yakho yomshuwalense ngaphambi kokuba uvumelane nemimiselo. Iikontrakthi ze-inshurensi zinamacandelwana kuwo anqamle kwaye axele ukuba amabango aya kuhlawulwa kwaye yintoni umsebenzi oya kuvunywa.
Ummeli wakho we-inshurensi okanye ummeli wenkampani yomshuwalense okanye umthengisi unokukunceda ukuba uqonde oku.
4. Hlola iindleko kwi-Estimate for the Temporary Repairs and Removal Debris
Ukuqwalasela ukuba unkonkontrakthi wokwakha ubonisa ntoni ukuba uchithe ukulungiswa kwesikhashana. Nangona iintlawulo zokulungiswa kwexesha elifutshane zihlanganiswe njengenxalenye yenkxaso-mali ye-inshurensi yemali, awufuni ukuhlawula isikontraka esikhulu semali yokulungiswa kwexeshana, kuba oku kungaphula inani lemali oyifunayo ukulungiswa ngonaphakade. ukuba igqitywe. Kufanele ubize i-insuster yakho ye-inshurensi uze ufumane imvume phambi kokuba uvumele ukulungiswa kwexesha elibi.
Kwakhona phawula ukuba ukuba kukho umonakalo omkhulu, kunokubakho iindleko ezichaphazelekayo ekukhutshweni kweenkunkuma, qiniseka ukuba ezi zibandakanyiweyo kuqikelelo, kwaye ukuba akunjalo, cela inkampani yakho yomshuwalense ngale nto.
Gwema iikontraki ezikunika ukulinganisela okungaqinisekanga, inkampani yomshuwalense ihlawulela ukulungiswa kwakho, ngoko unganciphisi iindleko. Inkampani yomshuwalense iqokelele iiproyamu kuwe iminyaka emininzi, kwaye iyavuya ukuhlawula ngokulungelelaniswa nokulungiswa kakuhle. Thetha kubo ukuze uqikelele ukuqikelelwa kwakho kunye nokuhlaziywa, kuba bafaka i-bill.
5. Ungalokothi Uhlawule Iinkontrakta Ngaphambili, Njalo Ncokola Nenkampani Yomshuwalense Okokuqala
Ungalokothi uhlawule ikontrakta ngaphambi kokuba uthethe inkampani yinshurensi. Inkampani ye-inshorensi iya kubakhokha ngokukhawuleza okanye iya kukhupha isheke ehlawulwa kuwe kunye nkonkontrakta ozobhenela kuzo zombini. Akufanele uphinde uhlawule ngaphandle kwepokothwa ngaphandle kokuba kulungiswe okwethutyana, apho ufuna ukufumana ulwazi oluchanekileyo umsebenzi owenziwayo, kwaye ukhumbule lo msebenzi kufuneka ube wongxamiseko ukwenzela ukukhusela umonakalo omkhulu .
Kwibango le-inshurensi, awusoze uhlawule ikontraki kuyo yonke iprojekthi ngaphambi okanye ngaphambi kokuba umsebenzi ugqitywe. Ukuba ucelwa ukuba wenze njalo, fowuna inkampani yakho yomshuwalense ukujongana nayo.
6. Gcina iNcwadana nayo yonke i-Claims Ukulungiswa kolwazi, iRipepisi kunye neenkcukacha
Gcina ifayile yomsebenzi kubo bonke unxibelelwano kunye nekontraki yakho okhethiweyo kunye nawo onke amaphepha anxulumene nomsebenzi owenziwayo. Le fayili kufuneka ibandakanye isivumelwano esayinwe, izicwangciso kunye neenkcukacha zomsebenzi owenziwayo, iibhidi kunye ne-invoyisi, ukukhishwa kweekhredithi, ikopi zeesatifikethi zomshuwalense, ulwazi malunga nawuphi na umgcini-makontrakthi angasebenzisa kunye nabathengi bezinto eziphathekayo.