Ingakanani i-FEMA yokuhlawula kwiMangalo? Umyinge we-FEMA Intlawulo kunye neNkcukacha

Ingakanani Imali Ingumlinganiselo we-FEMA Hlola inani? Indlela yokwenza isimangalo se-FEMA

I-Federal Emergency Management Agency (FEMA) inokunika uncedo kwiimeko zeentlekele xa kukho umonakalo ongahlanganiswa nenqubomgomo yomshuwalense.

Ngubani Ongayifaka isicelo se-FEMA?

Abanikazi bezindlu, abaqeshi kunye nabanini-bhishini banokufumana inkxaso kunye neentlawulo ze-FEMA xa bekwindawo echaziweyo okanye echazwe ngokusemthethweni. Iintlawulo ze-FEMA azifaki umonakalo wamanzi obunzulu obuhlanganiswe kwimigaqo-nkqubo yabanini .

Ziziphi iintlekele ezinokukwenza ulungele ukuhlawulwa kwe-FEMA

Ukuba ucinga ukuba wenze ibango lomonakalo wamanzi olungagqitywa yi-inshurensi , okanye umonakalo obangelwa yintlekele njengenqhwithi , umkhukula emva kokutsha komlilo, okanye umonakalo wamanzi anxulumene nokhukhula, i-FEMA inencwadi yesibalo esingaba sisisombululo esihle kuwe. Unokufunda ngokubanzi malunga neziseko zobungqina bomshuwalense apha .

Ingakanani i-FEMA Pay? Uluhlu lweeMali zeeMali zeeMali ze-FEMA kunye ne-Check Rates

Nantsi ingqamaniso yedatha yakutshanje yonyaka ka-2017 ngokwe-FEMA, unokujonga i-FEMA kwitshati yeentlawulo zamabango eziqhelekileyo ezenziwe apha.

Ngenyanga ngo-2017	Isilinganiso semali ye-FEMA Imali ehlawulwayo
EyoMqungu	$ 25,259
EyoMdumba	$ 29,202
EyoKwindla	$ 20,856
UTshazimpuzi	$ 42,075
UCanzibe	$ 36,765
Isilimela	$ 23,883
EyeKhala	$ 27,113
EyeThupha	$ 106,878
EyoMsintsi	$ 42,955
EyeDwarha	$ 21,937
EyeNkanga	$ 21,978
EtiMnga*	$ 4,558

* yangoku ngoFebruwari 28, 2018.

5 Amanyathelo malunga nendlela yokwenza isimangalo se-FEMA kunye noko ukulindela

Kufuneka ubhalise ne-FEMA ukwenzela ukuba wenze ibango, nango ma-5 amanyathelo okuza kuthatha.

1. Xhagamshelana nenkampani yakho yomshuwalense okanye i-ejenti ukubika ibango lakho kunye nomonakalo welahleko. Le yoluhlu lweenkampani zomshuwalense iinkcukacha zefowuni ukuba awunayo into efanelekileyo. Ukuba awukwazi ukuba ngubani ummeli wakho we-inshurensi, ungaqhagamshelana ne-FEMA kwi-800-621-FEMA (3362).
2. Thatha iifoto zepropati ewonakalisiweyo ngaphakathi nangenxa yepropati yakho.

1. Isilungisi se-inshurensi siya kubelwa kuwe kwaye kufuneka uvale kubo kungakapheli iiyure ezingama-24 ukuya kwii-4 ukuza ukutyelela ipropati yakho. Baya kunceda ekuqokelelwa kolwazi kwinkqubo yamabango. I-adjuster ikhona ukukunceda ukuba ubhale ibango lakho. I-adjuster ayiyi kuvuma okanye iyancipha ukunika ingxelo ngqo okanye ikuxelele ngezinye iindidi zoncedo onokuzifumana.
2. Zizilungiselele ngokuqokelela naziphi na amaxwebhu onokuthi ube nawo malunga nezinto ezonakalisiweyo (iirisithi, iifoto, uqikelelo njl njl) ukwenzela ukuba inkqubo yakho yamabango ihambe ngokukhawuleza kunokwenzeka. Funda okunye malunga noko Ukulindela kwiNkcazo yeNtlekele apha . Kufuneka ube nephepha lakho lokubhengeza i-inshorensi . Umlungiseleli wakho unokukunceda ukukukhokela ngokuchaza into oyakufuna ukubonelela ngayo.
3. Uya kufuneka ufumane imvume yenkampani yomshuwalense kwiindleko zokulungiswa. Uya kufuneka kwakhona unikezele ubungqina belahleko ukuze uhlawulelwe. Ubungqina bokulahlekelwa yintetho yakho efungelweyo malunga nemali oyibango kwaye ngokuqhelekileyo ibandakanya amaxwebhu axhasayo.

Ngaba i-FEMA ihlawula i-Housing Temporary Housing?

I-FEMA ayifuni iindleko zokuhlala ezongezelelweyo okanye imali yokuhlawula indlu yakho yesikhashana. Nangona kunjalo, ukuba awunayo indlela yokubonelela ngezindlu zesikhashana, unakho ukufaneleka ukufumana inkxaso ye-FEMA kuMntu ngamnye kunye neNkqubo yeMakhaya.

Ingaba ngabaqeshi bangafaka isicelo soNcedo oluvela ku-FEMA?

Abaqeshi bangafaka isicelo segranti evela kwi-FEMA ukuba bathathe indawo yokubakho indawo yabo eyonakalisiweyo xa bengaqinisekwanga ngophulo-mali lwabo oyintloko kwaye banakho ukufumana imboleko yemboleko ye-SBA.

I-FEMA I-Tip yeBango: Kumele unikeze ubungqina bakho bokusayinwa phakathi kweentsuku ezingama-60. Ngeemeko eziqhelekileyo i-FEMA inokuvumela ukuba zandiswe, nangona kufuneka uqiniseke kwaye uqinisekise umhla wokugqibela wakho wokubonelela ubungqina bakho belahleko kunye ne-adjuster yakho nenkampani yomshuwalense.

Kuthatha ixesha elide ukuthini ukuhlawulwa kwe-FEMA isimangalo?

Isinyathelo sokuqala sokuhlawulelwa siqokelela onke amaxwebhu afanelekileyo afanelekileyo ubungqina bakho belahleko. Emva kokubhaliswa kwakho ubungqina belahleko kwaye kunikezelwe kwisilungisi banokuqalisa kwi-intlawulo yebango inxalenye yenkqubo. Kungathatha ixesha ukuba uhlawulwe kwi-claim ye-FEMA, nangona kunjalo, unokucela ukuhlawulwa kwangaphambili okanye inxalenye ethile xa kuyimfuneko.

Qiniseka kwaye ubuze malunga nale nto.

Kutheni ukuba i-FEMA Ibango lihlawule ihlawulwe kwi-Mortgage?

Ngokomthetho, i-FEMA ibhenkethi yokubheka isakhiwo sakho sokwakha inokuhlawulwa kwinkampani yokubolekisa. Unokufunda okubanzi malunga nenkqubo yentlawulo ye-FEMA yentlawulo ngokukhangela oku kuvela kwimbonakalo ye-FEMA kwiimfuno zeendawo ze-FEMA . Uya kufuneka ukhulume nenkampani yakho yokubolekisa imali ukuze ufumene ukuba baya kuthatha njani inkokhelo yokuhlawula ibango kwaye kwenzeka ntoni emva koko. Iintlawulo zomxholo wekhaya aziyi kuhamba kwimali yokuthenga.

Ingakanani Imali Yonke Yokulahlekelwa Kwakho Kuya Kugqitywa Ngayo I-FEMA Yakho Ingxelo?

Ukuhlawulwa ngokugcwele kwintlawulo yentlekele engagqitywanga ngokupheleleyo ngomshuwalense wakho wekhaya, kwaye ufuna ukuba incediso ye-FEMA yinkqubo yamanyathelo amaninzi. Ngeke ufumane yonke imali yakho kwindawo enye. I-FEMA ayiyi kuhlawula yonke imonakalo yakho. Ngokwe-FEMA:

I-FEMA inikeza izibonelelo kubanini bezindlu ezifanelekileyo ukulungisa umonakalo ongahlanganiswa ne-inshurensi, kodwa ezi mboleko zingenakho ukuhlawula yonke imonakalo. Nangona kunjalo, umboleko weentlekele we-SBA unokubuyisela ikhaya kwiimeko zalo zangaphambi kweentlekele.

Izinto ezi-4 ze-FEMA Unakho ukuhlawula:

1. Izindlu zesikhashana njengoko kuxoxwe ngentla
2. Ukulungiswa kwekhaya ngokukhawuleza
3. Ipropati yomntu ongekho
4. Unyango, amazinyo, iindleko zomngcwabo

Inkokhelo ye-FEMA yeNtlawulo ibhalwe njani?

Inkokhelo yebango isekelwe ekulahlekeni kwakho kunye nomonakalo obhengeziweyo kubungqina bakho belahleko. Kungekudala ungenise ubungqina belahleko, ngokukhawuleza ufumana iintlawulo. Ukuba ufumana umonakalo owongezelelweyo emva kokuba uhambise ubungqina bakho belahleko, kufuneka uqhagamshelane nenkampani yakho yokulungisa kunye ne-inshurensi ukucela iintlawulo ezongezelelweyo ngokuthumela enye ubungqina belahleko kwimida engama-60.

I-FEMA Handbook Handbook: Umthombo oxabisekileyo weNkcukacha ukuNceda ukuqonda i-FEMA

I-FEMA ithi ibhuku leencwadi liyimithombo ebalulekileyo ukuba ufuna ulwazi malunga nenkqubo yakho yezimangalo ze-FEMA. Ungayifumana apha .