Akunakufuneka uphile kwi-floodplain yeminyaka eyi-100 ukufuna i-inshurensi yesikhukhula
Umshuwalense onoMfuno onjani?
Ekubeni izikhukhula zingenzeka kumntu malunga naliphi na indawo, mhlawumbi kufuneka ucinge ngokuthatha umgaqo-nkqubo we-inshurensi. Akubizi.
Ukuba uhlala kwindawo ekhuselekileyo yengozi kwaye uthenge ikhaya elinomboleko oxhaswe ngumfaki we-insured, umboleki wakho uya kufuna ukuba uthenge i-inshurensi yesikhukhula.
Unokuyithenga phi i-inshurensi yamanzi?
Ukuba uluntu lwakho lithatha inxaxheba, ungathenga i-inshurensi yomshuwalense kwi-inshente yakho ye-inshurensi kwiNkqubo kaNkcenkceshela kaZwelonke kaMkhukula Le nkqubo ixhaswa nguRhulumente wase-US. Qaphela ukuba umthengisi angabela kwakhona umgaqo-nkqubo we-inshurensi okhoyo okhoyo kumthengi omtsha; itshintshe ngokukhululeka.
Ngaba umninimzi weeNkxaso zeNkxaso-mboleko unomkhuhlane?
Umgaqo - nkqubo we-inshorensi yomninimzi oqhelekileyo awufihla izikhukhula. Uya kulufuna umgaqo-nkqubo womshuwalense ohlukile. Iiprayimali zakho ziya kuba ziphantsi kakhulu xa ikhaya lingazange lithathwe ibango lokukhukula.
Nazi iindlela ezintathu zokufumana ukuba ikhaya ofuna ukuyithenga linalo ibango lokukhukula:
- Myalelo we-CLUE Report
I-CLUE imele i-Comprehensive Loss Underwriting Exchange. Ingxelo ikunika umlando weminyaka emihlanu yekhaya. Ummeli wakho we-inshorensi unokufumana le ngxelo, ungayithenga ikopi kwi-intanethi, okanye ungayilawula ngokubambisana nengxelo yengozi yokudalulwa kweengozi. IINKCUKACHA ZEMFUNDO zibiza ngee-20 zamaRandi.
- Cela iNgcaciso yeMthengisi okanye i-TDS
Kwiindawo ezininzi, abathengisi bayadingeka ngokomthetho ukuba babhengeze iingxaki zepropati zangaphambilini, kwaye ezo zichazi zibandakanya izikhukula zangaphambili. Ukutshintshwa kweeNkcazo zeNgcaciso (TDS) kunye neefom zemiSebenzi yeeNdawo zokuThengisa bacele abadayisi ukuba bachaze olo hlobo lwazi.
- Fumana Uhlolo lweKhaya
Umhloli wekhaya ofanelekileyo unokuqhuba uhlolo olubonakalayo lwekhaya kwaye abuke iimpawu zomonakalo wamanzi okanye isikhunta . Ngokuqhelekileyo, izivumelwano zihambelana nokuhlolwa kwekhaya , oko kuthetha ukuba abathengi, xa benganelisekanga ngemiphumo yokuhlola, banelungelo lokufuna ukubuyiselwa kwemali yabo ngokuzenzekelayo kunye nokukhansela ukuthengiselana .
Unokufumana izaphulelo ukuba indawo yakho ithatha inxaxheba kwiNkqubo yoLuntu lweNkcazo (CRS).
Zenzeka Njani Umkhukula?
Uninzi lwabantu bacinga ukuba izikhukula zivela ngenxa yeziphepho okanye iziphepho ezitshatyalaliswayo, kodwa ezo ntlekele zendalo azizona zizathu zodwa. Ezinye iindawo zinokukhukula ngenxa yokukhuphuka kwamanzi omlambo, ukukhukula kwamanzi kwiimvula ezinkulu okanye ikhephu elikhawulezayo. Umkhukula, ngokwemigqaliselo yomntu, nawuphi na ukuqukunjelwa kwamanzi okanye udaka kwindawo engasondelanga.
Njengoko siqhubeka nokusika imithi, ukwakha iziqephu ezitsha kunye nokupaka iindawo zokupaka kunye neendlela, kukho umhlaba ongaphantsi komhlaba okhoyo ukufumana amanzi. Ukongezelela, ezinye iindawo zokuhlala zakhiwa phezulu kwiindawo ezinxweme ngenxa yokuba umhlaba ungabizi. Ukuba amanzi akanakho indawo ekushiya ukuyila emhlabeni, iya kubangela umkhukula.
Imvula enkulu ikwazi ukulahla iinyawo ezimbini zamanzi. Kwiimitha ezimbini zamanzi, imoto iya kuhamba.
Umngcipheko weMkhukula kunye nama-Floodplains aneminyaka eyi-100
Okokuqala, qonda ukuba ukuba uhlala kwiminyaka engama-100 yamanzi, akuthethi ukuba amathuba akho okukhukula unomnye kwiminyaka eyi-100. Ixesha elididekayo, kodwa ukuhlolwa kweminyaka eyi-100 yokukhukula kwamanzi kuthetha ukuba unamathuba angama-100 kwindlabo kunanoma yimuphi unyaka onikeziweyo, okanye i-1 yepesenti ngonyaka.
Cela ummeli wakho we-inshorensi ukuba akhangele iimephu zeemvula zamanxweme ukuze anqume ukuba ikhaya lakho lisekukhuseleni, kwaye ukuba kunjalo, fumana uhlobo lwesiphambano kunye nenqanaba lomngcipheko.
Ingakanani Umkhukula Iindleko zomshuwalense?
Umbuzo ngokwenene ungakanani ukubiza ukuba ungabi ne-inshurensi yesikhukhula. I-intshi enye yamanzi ingenza umonakalo omkhulu kwaye isebenzele kumawaka amawaka eedola ukulungisa.
- Amanxweme
Ukuba uhlala ogwini, i-premium iya kuba phezulu. Unokuqinisekisa ukuba isakhiwo kunye neziqulatho zayo zingaphezulu kwama-250,000, ngaphandle kwamabango angaphambili, malunga nama-5,000 e-year ngonyaka. Ingxelo yokuhlawula i-Renter yezinto eziphakathi kwe-100,000 kuphela i-$ 2,200.
- Imigaqo-mngcipheko
Ngaphandle kwebango langaphambili, iiprayimari zi malunga ne-$ 2,400 zama-$ 250,000. Iziqulatho-kuphela ukupapashwa kweedola eziyi-100,000 malunga ne-$ 1,000. Ngokwekarhulumente, kwiindawo ezinobungozi, iipesenti ezingama-25 zamakhaya zikhukula ngexesha lekota-mboleko yeminyaka engama-30.
- Imigaqo yengozi ekhethiweyo
Ama-250,000 e-coverage, ngaphandle kwebango langaphambili, uya kuqhuba malunga ne-$ 317 ngonyaka. Iziqulatho-kuphela ukupapashwa kweedola eziyi-100 000 yi-$ 196. Nangona kunjalo, ukuba ikhaya liye lafunyanwa ngogonyamelo lwangaphambili, i-premium ye-$ 250,000 ihamba kwi $ 1,251 ngonyaka.
Ndagijima isheke se-White House. Unokukhululeka ukuba uyazi kwindawo ephantsi kokungcipheko. Ukufumana uqikelelo lweprayimenti kwipropati yakho, iya ku-FloodSmart.gov uze ufake idilesi yakho.
Musa ukulinda isiphepho ngaphambi kokubiza i-inshurensi kwi-inshurensi. Ininzi imigaqo-nkqubo idinga ixesha lokulinda leentsuku ezingama-30.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.