Ezi nyikima ziyi-4.0 okanye ngaphezulu. Ukuzamazama komhlaba ngamagqabi angaphezu kwe-6 kunokubangela umonakalo omkhulu kumakhaya nakwezinye izinto kunye nokulimala kunye nokulahleka kobomi.
Umonakalo wokuzamazama komhlaba ngokuqhelekileyo awufihliwe kumgaqo-nkqubo wabanikazi abaqhelekileyo ngokokuba uhlala kwindawo ejongene nenyikima, unokufuna ukujonga ukufumana ingxelo. Intshurensi yokuzamazama komhlaba iya kubonakalisa umonakalo kwindawo yakho yokuhlala kunye neziqulatho zayo ezibangelwa umonakalo ukusuka kwindyikima ezifana neendonga eziwa phantsi okanye izinto ezixabisekileyo ezonakaliswa ngaphakathi kwekhaya lakho. Nangona kunjalo, omnye umonakalo awukwazi ukugqitywa, njengazo naziphi na izikhukhula ezingabangela. Oku kuza kuxhomekeka kulwimi lomgaqo-nkqubo. Kufuneka uhlale ufunda ipolisi yakho ngokucophelela ukwazi oko kufunyenwe. Ukuba ungathandabuzeki, hlala phantsi kunye negosa yomshuwalense kwaye umenze ahambe ngokwemiqathango yomgaqo-nkqubo wakho nawe.
Kutheni Ufuna Umshuwalense Wokuzamazama Komhlaba?
Umgaqo-nkqubo womnini wakho awufihla umonakalo obangelwa yihlabathi.
Kumele uthenge ukukhuselwa kokuzamazama komhlaba okanye ukuthenga ipolisi eyahlukeneyo yentsholongwane yentsholongwane. Musa ukwenza iphutha lokucinga ukuba uya kuxhomekeka kwinqanaba lika-uncedo lorhulumente ukukunceda ufumane ukulahleka kwindyikima. Iinkqubo zeentlekele zikaRhulumente, ezifana ne-FEMA, zenzelwe ukunyamekela iimfuno ezikhawulezayo ezifana nokutya, izambatho, uncedo lwezonyango kunye nendawo yokuhlala yesikhashana.
Nangona kunjalo, ukwakhiwa kwakhona kwekhaya lakho nokutshintsha okukukho okukuyo kuwe. Nangona ufumana i-mboleko ephantsi-mboleko nge-FEMA ukukunceda uvuselele kwakhona, kuya kufuneka kuhlawulwe. Ukuba uhlala kwindawo enokutyikitya komhlaba, indlela kuphela yendawo yakho kunye nezoqulatho eziza kuhlanganiswa ngayo yi-inshurensi yenyikima.
Ngubani Ofuna Unomshuwalense Womhlaba?
Ngaba wonke umntu ufuna inshorensi yenyikima? Nguwe kuphela onokukwenza le ngqiqo. Abantu abaninzi, ngokukodwa abantu abangahlali kwiindawo ezinqamlekileyo zokuzamazama komhlaba bakhetha ukuba bangafumani le ngxelo. Yilungele ukuhlawula ukukhuselwa kwenyikima komhlaba njengoko umgaqo-nkqubo ungabiza kakhulu. Iideductibles ingaba yi-10 ekhulwini yexabiso lekhaya lakho nakwezinye iimeko nangakumbi. Yazi nje ukuba ukuba ungenayo i-inshorensi yenyikima, ukwakha ikhaya lakho nokubuyisela zonke izinto zakho ezixabisekileyo ziya kuphuma ephaketheni lakho. Iindawo ezithintekayo zomhlaba kwi-Western United States zibandakanya iKalifornia, Washington, i-Oregon kunye neendawo ezithile e-Nevada, e-Wyoming nase-Utah. Kukho nakwimingcipheko kumgca weNew Madrid we-Fault kuhlanganise naseMissouri, e-Illinois, eTennessee, e-Arkansas, eSouth Carolina naseKentucky.
Ingozi Yomshuwalense Kangakanani Unayo?
Inkohlakalo yentshurensi eninzi oyifunayo iya kuxhomekeka kwiimeko zakho ezibandakanya indleko yokwakha kwakhona ikhaya lakho xa kufuneka ulahlekelwe yilahleko kwaye ubeke endaweni yayo.
Thatha i-inventory yezinto eziqulathekileyo kunye nezinto ezixabisekileyo ukuze ufumane inani lemali oyi-dollar oyifunayo. Ukuba awukwazi ukubaluleka kwekhaya lakho kunye neziqulatho, kusenokuba yinto efanelekileyo ukuba ube novavanyo lokuqinisekisa ukuba awukho phantsi kwe-insured. Ukongezelela ekwakhiweni kwakhona ikhaya lakho nokufaka endaweni yalo, uya kufuna kwakhona ukukhutshwa kweendleko zokuhlala ezongezelelweyo ezifana nokulala kwesikhashana kunye nokutya ngelixa ikhaya lakho lilungiswa okanye lwakhiwa kwakhona.
Ngubani onika i-inshurensi yomhlaba?
Umbuso waseCalifornia unika i-inshorensi yenyikima kwiCommunity Quake Authority (CEA). Iinkampani zomshuwalense ngabanye kwilizwe zingakhetha ukuthatha inxaxheba kwi-CEA. Ngokomthetho, ukuba inkampani yomshuwalense inika i-inshurensi yomnini-mali kummandla waseCalifornia, kufuneka ikhuphe i-inshorensi yenyikima.
Iipolisi ze-mini nazo ziyafumaneka kuphela ezikhupha indawo yokuhlala yakho, ngaphandle kwezinto ezifana neepasos, izibonda okanye ezinye izakhiwo ezixhunyiwe. Oku kwaqaliswa ngo-1996 yi-legislature yomthetho waseCalifornia ngenzame yokugcina ii-premium zokuzamazama komhlaba ezithengwa ngabanini bezindlu.
Akukho onke amaqumrhu e-inshurensi yomnini-mali kuwo onke amazwe aya kukuthengisa i-inshorensi yenyikima-mhlaba njengokwamkelwa kwipolisi yomninikhaya okanye njengomgaqo-nkqubo ohlukile. Ezinye zeenkampani zomshuwalense yomnini-ntanethi ezinika inshurensi yenyikima ziquka i- American Family , iFama yeFama ne-GeoVera Insurance.
Imigaqo-inshorensi yokuzamazama komhlaba iyatholakala kubaphathi bezindlu, abanikazi beeyunithi zee-condo, abanini-mhlaba bezindlu kunye nabaqashi. Unokukhetha ixabiso lokubhengezwa olufunekayo kunye neenketho ezichithwayo. Ummeli wenkampani omele umboneleli we-inshurensi umboneleli uya kuba nakho ukunika iinkcukacha ezongezelelweyo malunga nokukhethwa kwendlela kunye neerhafu. Ukuba ufuna ulwazi oluninzi malunga noncedo lwenkqubela yomhlaba, unokutyelela iwebhusayithi ye-FEMA.