Izindlu ezinobungozi obuphezulu kunye nendlela yokufumana umgaqo-nkqubo we-FAIR
Izicwangciso ze-FAIR zikarhulumente iinkqubo ngezinye iinkxaso ezixhaswa ngamashishini e-inshorensi yabucala. Ezi zicwangciso zinokubonelela nge-inshorensi kubantu abangenakuphika i-inshurensi kwipropati yabo ngenxa yendawo engengozini enkulu okanye ezinye iingxaki ezinobungozi obuphezulu.
ISebe lakho le-inshurensi yomhlaba lingakunika ulwazi oluthe xaxa malunga neCandelo le-FAIR okanye unokwenza uhlolisise urhulumente uluhlu lwamazwe apho ungafumana uncedo kwiprogram yomshuwalense we-FAIR yezantsi.
Isicwangciso se-FAIR kunye neNtshumo-nkulu yengozi
Inkokhelo enkulu yengozi xa inkampani yomshuwalense iye yavavanya umngcipheko wamabango kwindawo kwaye izimisele ukuba kukho inqanaba eliphezulu lokuba ibango liyakwenzeka ngokusekelwe kwidata yelizwe, ukugcinwa, okanye kwimbali yokulahlekelwa yendawo okanye ikhaya elithile.
Unokufumana phi i-inshurensi kwindawo engozi yomshuwalense?
Abanini-bhorensi abaqhelekileyo abazibandakanyekanga kwiipropati ezinobungozi obuphezulu kwaye ngoko kaninzi bayenqaba ukuziqinisekisa, ngokungabikho ukuziqinisekisa, okanye ngokucebisa ukuba abayi kuphinda bahlaziye indawo enkulu yengozi xa i-inshurensi yekota iphakanyisiwe.
Yintoni eyenza iKhaya eliMngcipheko omkhulu?
- Ukuba uhlala kwindawo ejongene neentlekele zemvelo, njengengqungquthela, okanye apho kukho iziganeko eziphakamileyo zeziphepho okanye izivunguvungu, ipropati yakho ingathathwa njengengozi enkulu.
- Ukuba uhlala kwindawo ejongene namanqanaba aphezulu olwaphulo-mthetho, ukuchithwa okanye ukusela
- Ukuba ikhaya lakho alizange lilungiswe okanye lididekile
- Ukuba uye waba neziganeko eziphezulu kwindawo yokuhlala kuyo amabango
Yintoni ongayenza Ukuba Unenkathazo Ukufumana i-Intshurensi yaseKhaya
Ukuba uthengela ikhaya lakho lokuqala okanye ipropati entsha kunye nemibuzo yakho yokuqala ayiphumeleli kwinkampani yomshuwalense, zama ukubuza umthengisi wakho ukuba uyazi iinkampani zomshuwalense okanye abadayisi kwindawo yakho eya kubhala imigaqo-nkqubo kwindawo.
Abadayisi bomshuwalense banokufikelela kwiinkampani ezininzi ze-inshurensi ezahlukahlukeneyo kwaye baya kusebenza ukukufumana into. Usenokukwazi ukufumana umgaqo-nkqubo kunye nomshuwalense wabucala okhuselekileyo kwaye unikezela ngokukhawuleza . ISicwangciso se-FAIR kufuneka sisetyenziswe njengesigqibo sokugqibela.
Cinga ngezizathu zokuthi unqatshelwe i-inshurensi kwaye uzama ukuthetha kunye nenkampani yomshuwalense . Ngokuqhelekileyo xa wenza utshintsho okanye ukulungiswa, okanye ucinge ngeemali eziphezulu, unokukwazi ukufumana ingcaciso. Qinisekisa ukuba uzama yonke into nge-insurers embalwa ngaphambi kokuya kwi-FAIR Plan.
ISicwangciso se-FAIR asiqinisekisiweyo Inshshurensi: Iimeko ze-FAIR Plan
Ngokutsho kweNkampani ye-Inshsi, i-FAIR Plan ineemeko. Kungenxa yokuba unendawo ephezulu yengozi, akuthethi ukuba icebo elifanelekileyo liya kwamkela. Unokucelwa ukuba unciphise umngcipheko womlilo, ukweba okanye umonakalo wamanzi ngokufaka i-anti-wives okanye i-alarm devices, unokucelwa ukuba ufake ii-valve zokugcina, okanye ulungise uphahla lwakho, kwaye kwezinye iimeko zithatha indawo ye-wiring yakho. Ukuba ezi ntlobo zeemeko ziyakwenza ukuba uvumeleke kwi-inshorensi ephantsi, mhlawumbi ungcono xa wenza ukulungiswa kwakho okufunekayo kwaye unamathela kwinkampani yomshuwalense.
Xa ufuna ukujonga i-FAIR Plan yomshuwalense
Ukuba ukhathele zonke iinketho ezikhankanywe ngasentla, kwaye awubonakali ufumana inkampani yomshuwalense ukuba yamkele ingozi yakho, ngoko unako ukhetho lokufaka i-inshurensi nge-FAIR Plan. Qhubeka ukhumbule, nangona kunjalo, ukuba isizathu sokwenqaba ukuqinisekiswa kwepropati yakho kungenxa yemicimbi engaphaya kolawulo lwakho, njengamaphethini esimo semoya yesithili, i-FAIR Plan inelungelo lokunqaba ukukhutshwa xa ungahambisani neziphakamiso zabo. Imeko iyahluka kwimeko apho, ngoko uya kufuna ukudibanisa nabo ngokukhawuleza ukuba baxoxe ngeemeko ze-FAIR Plan njengoko zifaka isicelo kwiimeko zakho. Unako ukufumana ilungelo lokufumana uncedo olongezelelweyo lwe- inshorensi olungaphucula isiseko sokubambisa.
Ukufumana phi i-FAIR Plan Insurance
Alabama Insurance Underwriting Association
California FAIR Plan Association
I-Connecticut FAIR Plan
I-insergency Placement Facility yaseDelaware
Isibonelelo seNkampani yeeNkampani zeNkampani yase-
I-Insurance Resit Corporation
I-Georgia Underwriting Association
Illinois FAIR Plan Association
I-insulatory Association Association yase-Indiana
I-Iowa FAIR Plan Association
I-Kansas Zonke i-Industry Placement Facility
I-Kentucky FAIR Isicwangciso sokuQinisekisa uMbutho
I-Louisiana Abemi beeNkampani zomshuwalense wepropati
Umbutho wase-Maryland Joint Insurance
Umbutho we-Massachusetts Property Underwriting Association
Umbutho Wobshuwarensi Wempahla Yomshuwalense Wenqila
Isicwangciso seMinnesota FAIR
Mississippi Windstorm Underwriting Association
I-inshurensi ye-inshurensi ye-Missouri
I-New Jersey Insurance Underwriting Association
Inkqubo yeNshwalense yeNew yaseMexico
Inkonzo Yobunjineli Yomshuwalense weNew York
I-North Carolina Yobunini be-Underwriting Association - ISicwangciso se-FAIR
North Carolina Insurance Underwriting Association
I-FAIR Isicwangciso sokuBhala phantsi koMbutho
Oregon FAIR Plan Association
I-inshorensi yokubeka indawo yase-Pennsylvania
Association of Roint Reinsurance Association
ISouth Carolina Imoya kunye nesichotho Umbutho wokuBhala phantsi
I-Texas FAIR Plan Association
Umbutho weNkampani Yomshuwalense WaseTexas
I-Virginia Property Insurance Association
IWashington FAIR
Umbutho We-Intshuwalense Yempahla Yobunini-mali Yase-West
Wisconsin I-Insurance Plan
Unokufumana njani iIninshurensi Xa Uhlala Endaweni Ephezulu Yengozi
Ukuba awuphumelelanga ekufumaneni i-inshurensi kwikhaya lakho kuba lichongiwe njengomngcipheko ophezulu okanye unqatshelwe i-inshurensi, kwaye sele sele uzame ukuxoxisana nabagcini-bhankanyi abazimeleyo kwaye ukhathele zonke ezinye iindlela, ngoko unokuqhagamshelana ne-FAIR Plan umlawuli kwimeko yakho ukufumana ulwazi olungakumbi malunga nesicwangciso se-FAIR kunye nendlela yokufumana i-inshurensi ekhaya lakho.
I-FAIR Isicwangciso soLawulo Umnxeba weNombolo nguRhulumente
Alabama 334-943-4029
EKalifornia 213-487-0111
Connecticut 860-528-9546
Delaware 215-629-8800
District of Columbia 202-393-4640
Florida JUA 850-513-3700
IFlorid Windstorm Und. Assoc. 904-296-6105
Georgia 770-923-7431
EHawaii 808-531-1311
Illinois 312-861-0385
E-Indiana 317-264-2310
Iowa 515-255-9531
Kansas 785-271-2300
EKentucky 502-425-9998
Isicwangciso saseLouisana FAIR 504-831-6930
Isicwangciso soLwandle saseLouisana 504-831-6930
Maryland 410-539-6808
EMassachusetts 617-723-3800
EMichigan 313-877-7400
Minnesota 612-338-7584
Mississippi 601-981-2915
EMissouri 314-421-0170
New Jersey 973-622-3838
ENew Mexico 505-878-9563
ENew York 212-208-9700
Ohio 614-839-6446
Oregon 503-643-5448
Pennsylvania 215-629-8800
Rhode Island 617-723-3800
South Carolina 803-737-6180
ETexas 512-899-4900
Virginia 804-358-0416
Washington 425-745-9808
West Virginia 215-629-8800
Wisconsin 414-291-5353