Iziphepho zasebusika, iThaws Spring kunye neMonakalo yamanzi. Ngaba Ufihliwe?
Cinga ukuba ngo-2015 izivunguvungu zasebusika zibangele i-$ 3.5 billion ezilahlekileyo kwi-insured ngokubhekiselele kuMunich Re . Njengoko iimozulu zemozulu zitshintshe izimo ezinzima kwiindawo ezingenakubona umsebenzi obusika obunzima kangaka, izibango ngenxa yomonakalo wesiqhamo sasebusika ziya kuvela.
Ngaba Unesiqinisekiso seNkqenkqenkqele okanye seMvula?
Ngethamsanqa, abaninzi abaninikhaya baqinisekisiwe kwaye banokwenza ibango xa besazilimaza ukusuka kwisibhakabhaka sasebusika, intwasahlobo yintwasahlobo okanye i-cold snap. Ngokuxhomekeke kwimiba enomgaqo-nkqubo , unobungozi obuninzi kunye nomonakalo ovela kwimozulu, imvula enkulu yekhephu, inqabileyo okanye i-snaps ekhuphayo enokuthi ikhutshwe kwaye unako ukufumana uncedo kunye nembuyekezo malunga nelahleko kwinkampani yakho yomshuwalense.
Uhlobo Luni Lwemimandla Ejongene Nemozulu Ehlanganiswa Ngomshuwalense?
Izizathu eziqhelekileyo zesibhakabhaka sasebusika okanye umonakalo wemozulu ziquka:
- Yonakalisa ukulimala
- Ukulimala kwendlu
- Ukulimala kwamanzi
- Umgcini weManzi
- Iibhobho zokuncipha
- Imithi ewilekileyo - Zininzi izizathu zokuthi umthi ungase uwele, kwaye nokuba ingazange ibangele umonakalo kwipropati kubalulekile ngenjongo yokuhlawula ibango. Imigaqo-nkqubo eyahlukeneyo inikezela iintlobo ezahlukeneyo zokunikwa.
- Amadama e-Ice akha phezu kophahla
- Ubukhulu beqhwa kunye neqhwa eluphahleni bangela ukulimala
- Umonakalo omoya (oko kungabandakanya imithi ewa phantsi kunye neentsimbi okanye izitena ezindizayo ezinqabileyo nezakhiwo kunye nophahla)
- Ukulahlekelwa okanye ukufuduka ngenxa yokungaphumeleli kwamandla (okungabandakanya ukulahleka kokutya, kuxhomekeke kwindlela yakho yomgaqo-nkqubo)
- Umkhukula ngenxa yokuqhaqhazela ikhephu, i-thaw ngokukhawuleza, okanye imvula eninzi
- Ukungena kwamanzi ukuya ekhaya. Oku kunokwenzeka okanye kungenakucetyiswa ngokuxhomekeka kwindlela umonakalo owenzeka ngayo. Soloko uqhagamshelana ukuze ufumane oko unokufaneleka.
Nangona akuwona wonke umonakalo ogqitywa ngumshuwalense oqhelekileyo, uninzi lwezi zinto zingentla zilapha.
Impembelelo enkulu kwimigaqo-nkqubo yinkcitho yomkhukula. Umonakalo womkhukula awuqhelekanga kwiinkampani zomshuwalense yase-United States; ungayifumana ngakumbi malunga ne-inshurensi yomshuwalense ehlala ibuzwa imibuzo apha.
Ubusika boMoya bungafaka kwakhona kwiNgcini yokuBhujiswa: Izibango zamatyala
Sivame ukucinga ngemingcipheko yomonakalo emakhaya ethu, kodwa kukho ingozi enkulu yokuba ukuba ungagcinanga ipropati yakho , abanye abantu bangalimala kwaye banokubamba uxanduva. Iinshurensi yakho yasekhaya ifaka uxanduva .
Isinyathelo sokuqala nabani na umntu omele athathe ukuba adibanise nenkampani yakhe yenkampani yomshuwalense, nokuba ucinga ukuba umonakalo okanye ukulimala akuyiyo iphoso lakho. Inkampani yomshuwalense inokukunceda ukunika iingcebiso kumanyathelo alandelayo uze uhlangane ukuze uncede.
Iinkampani zomshuwalense zinceda ngale mithetho yomthetho kunye neendleko zokukhusela zomthetho xa zifunwa njengenxalenye yesahlulo semfanelo yomshuwalense akho nakwiimeko ezininzi. Basebenzisa iinkonzo zabo, yiloo nto uhlawula inkampani yomshuwalense: ukukunceda!
Isivumelwano se-Intshumo seMangalo kunye noxanduva lwakho
Xa ungena kwisivumelwano kunye nenkampani yomshuwalense, eyaziwa ngokuba ngumgaqo-nkqubo wakho, uvumelekile ukuba uzigcinele iimeko ezinokuchaphazela uxanduva.
Ungazami ukulungisa ingxaki yakho, ngokwenza njalo unokwenza ingxaki kwi-inshorensi yakho. Ummeli wakho we-inshorensi usemgangathweni ocacileyo wokuchaza indlela odibene ngayo kunye noko baya kukwenza ukukunceda kule meko.
Imizekelo yeNgcipheko yoLondolozo lweeHlabathi kunye namabango
- Ukulimala kwempahla kwabanye. Umzekelo, umthi uwela kumcingo wommelwane okanye ekhaya.
- Ukulimala komntu: umthumeli weposi uza kuhambisa ipakethi kwaye uyaphonsa kwiqhwa kwindlela yakho yokuhamba. Kufuneka wenze okusemandleni akho ngexesha leempompo ukugcina iindlela zokuhamba kunye nekhefu ukuze ukhuphe ukulimala wena nabanye.
- Iqhwa okanye iqhwa phezu kophahla lwekhaya lakho ngokukhawuleza liphazamisa emotweni emisiwe, okanye umntu ohamba kunye nepropati yakho kwaye abenzakalise. Le yingozi mngcipheko, yikho kutheni kubalulekile ukunyamekela ukuqokelela ephahleni lwakho kwaye uthathe amanyathelo okuthintela emva kwesiphepho.
Yintoni enokuyenza Ukuba Unobungozi beNkqenkqenkqileyo yeHlabathi yokuBamba iMangalo
- Musa ukulinda xa ubona umonakalo ekhaya lakho, fowuna inkampani yakho yomshuwalense ngokukhawuleza. Uninzi lweenkampani ze-inshorensi zinamanani amabango angama-24 angakunceda ngxakeko.
I-inshurensi ayifuni umonakalo othotyelwayo, ngoko ke ushiya izinto kude kube yilapho ungakuhlawula imali eninzi, kwaye kunokudala umonakalo owongezelelekileyo ongeke uhlanganiswe kwaye ubango lungafunyanwa .
Amanzi Afika Ekhaya Lakho? Biza iNkampani Yomshuwalense!
Ngokuqhelekileyo ukuba unomonakalo okwenzekayo, njengamanzi eza ekhaya lakho, inkampani yomshuwalense inokubaluleka ngokwenene kuba kungekudala xa ikwaziswa ingathumela abasebenzi abangxamisekileyo ukukunceda ukukhusela umonakalo omkhulu. Zisebenzise zonke iingcebiso kunye nenkonzo yakho yenkampani yomshuwalense inokunikela ngexesha lebango. Awudingi ukuhamba kwimeko kuphela.
Kwiimeko ezininzi, ngenxa ye-insurer yamava ngamabango, kunye neenkampani ezinxulumene ne-inshorensi ezinxulumene neenkontraka zongxamiseko kunye nabanikezeli benkonzo, ukuhamba nenkampani yakho yomshuwalense kuya kukunceda ngokukhawuleza. Ukuba uzama kwaye uqhagamshelane neekontraki ngokwakho okanye emva kweeyure, awuvumelekanga ukuba ube phezulu kwoluhlu lwabo. Nika inkampani yakho ye-inshorensi ithuba lokufumana izinto ezinqunywe ngabaqeqeshi abanolwazi ngokukhawuleza.
Ukuthintela iMonakalo eyongezelelweyo
Ngoxa ulinde inkampani yomshuwalense, unembopheleleko yokukhusela umonakalo omkhulu. Kule nkqubo, unokulingwa ukuba uthathe izinto uze uzilahle, okanye uhambise izinto. Ngaphambi kokuba wenze oku kuthatha imizuzu embalwa ukuba ubhale oko kwenzekayo. Kungabaluleke kakhulu xa inkampani yomshuwalense ihlaziya ibango.
- Thatha iifoto okanye ividyo ngokukhawuleza ukuba ubona umonakalo, ngoko ke unayo kule irekhodi.
- Ukuba udinga ukuthatha inyathelo ngokukhawuleza ukukhusela umonakalo omkhulu , gcina nayiphi na irisidi kunye neirekhodi zemali oyisebenzisayo.
Indlela yokwenza isimangalo kwaye ufumane i-Payid for the Storm and Storm Damage
Kungakhathaliseki ukuba yintoni imeko, nanini na xa ubona umonakalo kwipropati yakho okanye ekhaya, okanye utyholwa ukuba unoxanduva kwabanye, kufuneka uthinte ummeli wakho we-inshorensi ngokukhawuleza. Baya kukukhokela kwinkqubo yokukhusela umdla obalaseleyo kwaye bakuxelele oko kuhlanganiswe.
Fumana ukuba yeyiphi i-postage ekhoyo ukuze uzikhusele kwaye ukuba ungenayo, yenza utshintsho olufunekayo kumgaqo-nkqubo wakho wasekhaya ukuze ufumane i-coverage bestowner engenzeka kwixesha elizayo. Ngokutshintshwa kweepatheni zemozulu ungase usemngciphekweni wemonakalo omkhulu ongayithobeli phantsi.
Ngezilungiso ezimbalwa kunye nesicwangciso esihle sokuhlala kwebusika kunye nokukhusela, kufuneka ukwazi ukugcina ikhaya lakho likhuselekile kumonakalo wesiphepho, kwaye ukuba unayo ibango, fumana uncedo olufunayo kwinkampani yinshurensi ukuze balahlekelwa yimali baze baphume phezulu.
Imizekelo yeziTyala zokuLawulwa kweziThutho
Umthi wam ummelwane uhla eFence My, okanye iNdlu yam! Ndenze ntoni?'
Umcimbi oqhelekileyo phakathi kwabamelwane ngumonakalo okhoyo kwimida yepropati. Umzekelo womthi uqhelekileyo. Amasebe angawa abulale indlu yommelwane, ucingo, okanye igaraji. Ngamanye amaxesha imithi iwela phezu kwe-driveways ize ibetha iimoto zommelwane.
Qhagamshelana nenkampani yakho yomshuwalense kwangoko ukwenzela ukuba banokukunceda ukuba ubone ukuba unokufumana umonakalo kummelwane wakho usebenzisa iindlela ezifanelekileyo. Awudingi ukujongana nale miba yodwa. Baya kuba nako ukunceda unakekele imeko kwaye uphinde ubuye kumkhondo.
Ukulimala kwindlu yakho
Kwizindlu ezixhunyiwe, okanye ezithinteleyo, umonakalo ophahleni okanye ngaphakathi kweendonga unakho ukuwela imida yendawo. Uncedo lweengcali kule miba, njengaleyo nkampani yakho yomshuwalense, inomdla wakho. Unembopheleleko njengenxalenye yengeniso yakho ye-inshurensi ukwenzela ukuba baqaphele nayiphi na imiba okanye amabango angenakufakwa kuwe.
Yintoni ongayenza Ukuba awuqinisekanga Ngubani ojongene noBango
Kwimeko ekhankanywe ngasentla, umzekelo, ummelwane wakho kufuneka adibanise nenkampani yomshuwalense kwaye kufuneka uqhagamshelane neyakho. Oku kuya kukuncedisa imeko. Awodwa yedwa kwezi meko.
Naliphi na ixesha xa unabango elifakwe kuwe, kufuneka ubize inkampani yakho yenkampani yinshurensi ukuze bancede, yingakho unobungozi besikhokelo .