Oku kuthetha ukuba i-90% ayinayo inkcazo. Ngoko ukuba ungenayo inshorensi yenyikimahla, kwaye uyazibuza ukuba kulungile ukuthenga i-inshorensi yenyikima, ngoko akucaci ukuba yedwa.
Intshurensi yokuzamazama komhlaba kwisakhiwo sakho ayifakiwe kwi -inshurensi yasekhaya engcono , ukuba ufuna inshorensi yenyikima kufuneka uyithenge ngokwahlukileyo okanye ucele ukuba yongezwe kwipolisi yakho ngokuvuma . Xa ungenayo i-inshorensi yenyikima, ungasengozini yokulahleka okukhulu. Makhe sijonge ezinye iinyani malunga nokuzamazama komhlaba, ingozi yengozi kunye neenzuzo kunye neengxaki ze-inshorensi yenyikima.
Amazwe angama-42 asemngciphekweni wokuzamazama komhlaba - Ngaba omnye wenu?
Into yokuqala okufuneka uyiqonde xa ucinga ukuthenga i-inshorensi yenyikima yintoni eyingozi yengozi apho uhlala kuyo.
I-inshurensi malunga nokuzikhusela kunye notyalo-mali obunayo kwipropati yakho. Ngokungabi nentsholongwane yentsholongwane, uyazibeka engozini yokulahlekelwa yinto yonke, okanye ugcine umonakalo kwipropati yakho ongenakukwazi ukuyilungisa xa ikhaya lakho lonakaliswe yindyikima.
Ngaba Usengozini Yomhlaba?
Ngokutsho kwe-US Geological survey, i-US ineentshukumo ezingama-20 000 ngonyaka kwaye iipropati ezingama-42 zibhekisele engozini. Oku kuninzi nje kweCalifornia.
Ziziphi iiMerika ezisengozini yokulimala komhlaba?
Ukuba unokungabaza ukuba inyikima inokuyonakalisa ipropati yakho, okanye ungacingi ukuba inyikima iya kukuchaphazela apho uhlala khona, unokujonga ubungakanani benyikima ephazamisayo .
Ukuba ungathanda ukubona i-akhawunti yomsebenzi wokuzamazama komhlaba okwangoku namhlanje, ungakhangela le imephu echaphazelekayo, unokujonga kwakhona apho e-United States kukho imigca ephosakeleyo, unokumangaliswa ukuba ubone ukuba Unomgca wesiphene ekufuphi kuwe. Ukuba ukhetha ukukhangela uluhlu ngeemeko zomhlaba, ungakhangela oku apha uze uklibanise iinqhagamshelo zombuso onomdla kwizantsi kwephepha.
I-inshurensi yolwazi ye-inshurensi inomxholo ogqwesileyo ochaza ingozi ngqo kwimimandla yaseUnited States enokuba luncedo kwi-inshorensi yakho kunye nenkunkuma ye-inshorensi yenyikima, ndincoma ukuba uhlolisise i-athikili yabo kwaye ufunde nge- inshurensi ingozi kwindawo ethile, nokuba i-Central, Eastern, Western United States. Idatha evela kwi-Federal Emergency Management Agency (FEMA) isifundo sinika ingqiqo enkulu kakhulu ekuncedeni ukuba ubambe umngcipheko wakho.
Kutheni Ufanele Uthenge Intengiso Yomshuwalense? Iimpawu zokuthenga umyinge
Kulula kakhulu ukuqonda ukuba "iphambili ye-inshorensi yenyikima yentsholongwane" kukuba kukukhusela utyalo-mali olunekhaya lakho ukuba ugcine umonakalo ngenxa yenyikima.
Imigaqo-nkqubo yabanini-mhlaba ayinikezeli umonakalo owenziwe ngqo ngumhlaba.
Iinkqubo zeNtshuwalense yomhlaba
Ukuba ikhaya lakho lonakaliswe yindyikima, uya kugutyungelwa ukulungiswa okanye ukuvuselelwa kunokulahlekelwa yinto yonke, okanye ukuboleka (ngaphezulu) imali ukwenza ikhaya lakho liphile.
- Kwiindawo eziphantsi kweengozi, iindleko ze-inshorensi yenyikima-ntle ziphantsi, ngoko awuyi kuhlawula iintlobo zama-premium abantu abahlawula kwiindawo ezinobungozi. Kufanelekile ukufumana isicatshulwa nokuthatha isigqibo sokuba uzimisele ukuhlawula ukuqinisekisa ukuba ukhuselwe ngokusemandleni. Ukuba ufumanisa i-inshorensi yenyikima i-20 kuphela ngenyanga, mhlawumbi iyafaneleka ukuhlawula kuphela uxolo lwengqondo.
- Ukuba ikhaya lakho alihlali khona ngenxa yenyikima, unokufumana iindleko zokuhlala ezongezelelweyo ukuhlala kwenye indawo ngelixa inkampani yomshuwalense yakha ikhaya lakho. Ngaloo ndlela, ukuba usayikhokhela imali yakho yokubolekisa indlu yakho, ubuncinci omnye umntu uhlawulela indawo onokuhlala kuyo. Khawucinge nje ukuba uhlawule umrhumo wakho wendlu ongekho kwaye awuyi kuphinda wakhiwe kwakhona, kunye nokuhlala kwakho xa usubuyela ngokwakho. I-inshurensi isoloko ilungele ukuba nayo xa inkulu inhlekelele.
Yintoni eyahlukileyo namhlanje Eya kuthenga ukuthenga i-inshurensi yokuzamazama komhlaba
Okokuqala, kukho iintlobo ezahlukeneyo zokuzamazama komhlaba okanye ukunyakaza komhlaba. Akukufaneki ukuba uhlale kufuphi okanye kumgca wesiphoso kwakhona ukuba unobungozi kwaye uzive uguqa umhlaba. Ngo-2011, inyikima ye-5.7 i-Oklahoma. Ngokutsho kweNkampani Yomshuwalense kunye neengxelo ezilandelayo, abaphandi kwiYunivesithi yase-Oklahoma, iYunivesithi yase-Columbia kunye ne-US Geological Survey bakholelwa ukuba ukuzamazama, kunye nabanye abaninzi phakathi kwe-US, kunokubangelwa ngumsebenzi wabantu onjenge-fracking ivuselela imigca yeephoso eziye zalala izigidi zeminyaka. Ukuba akukho nto, into yethu yomntu ingasifaka ingozi enkulu yokonakalisa umhlaba kunokuba sinokukwazi.
Njengabantu, sihlolisisa isidingo sethu sezinto esekelwe kumava kunye nokuqwalaselwa kwexesha elidlulileyo. Inyaniso yembandela kukuba, asizange sibone olu hlobo lomsebenzi wabantu ngaphambi kokuba kuvuselele imigca yokuphosakela. Ukuba uhlala kwimimandla apho kukho umsebenzi waluphi na uhlobo, unokufuna ubuncinci ukufumana ingqungquthela yentsholongwane yomshuwalense kwaye emva koko isigqibo sokuba kulungile ukubeka idola elincinane kwi-bhajethi yakho ukuze uxolo lwengqondo.
Ziziphi Iintlobo Zonakaliso ZiyiNkqubela Yehlabathi?
Ngaphandle kwezinto ezibonakalayo zokutshatyalaliswa ngokupheleleyo kwikhaya lakho, vumela ukuba uqwalasele ukuba yeyiphi imonakalo eyenzekayo ngenxa yenyikima kwixesha eliqhelekileyo, ezi ziyimimiselo kwaye ngokuqinisekileyo azibonakali zonke iingozi ezisuka kumsebenzi wenyikima, kodwa unokunika unengcamango yento enokufuna ukuzikhusela ngayo ngokuthenga inkokhelo yokukhusela i-inshorensi okanye umgaqo-nkqubo.
- Ukutshatyalaliswa ngokupheleleyo kwizakhiwo
- Ukwakhiwa Ukwakha
- Umonakalo wesakhiwo kwizakhiwo ezidala imeko eziyingozi kwaye zifuna ukulungiswa
- Umonakalo wesakhiwo kwizakhiwo ezongezelelweyo kwipropati yakho , kuquka izinto ezifana namachibi okubhukuda
- Ukulimala kwezinye ipropati kunye nokuhlelwa komhlaba
- Ukuqhuma
- Imililo
- Ukuvuza kweGesi
- Ukuhlalisa
- Avalanches
- I zikhukhula
- IiTsunami
Umthengi wokuthenga i-inshurensi yomhlaba
Siye ngaphaya kweminye ingozi abanikazi bezindlu nabani na abanepropati yabo bodwa bangavulelwa ukuba bengenayo inshorensi yenyikima, ngoko ke vumela ngoku ujonge i-cons ye-inshorensi yenyikima.
- Kwamanye amazwe, abo banomngcipheko omkhulu, i-inshorensi yenyikima ingabiza kakhulu. Unokugqiba isigqibo sokuba ngaba unako ukuva ubunzima bokuhlawula izinga eliphezulu le-inshorensi yenyikima, ngokubhekiselele kwingozi yokuba inyikima iya kutshabalalisa ikhaya lakho. Ekugqibeleni, ukhetho lwakho.
- Nangona xa unentshutshiso yentshurensi inyikima, uya kuba nexabiso eliphezulu kakhulu lokuhlawula , ngokumalunga ne-deductible kwi-inshorensi yakho yasekhaya yomshuwalense, I-deductible ye-inshorensi yenyikima kaninzi ipesenti yomyinge kwisixa sakhiwo,
I-Outlook yeNkcitho ye-Intshurensi yokuThuthukiswa koMhlaba
Ininshurensi isekelwe kwikhono le-inshurensi ukuhlawula ilahleko kunye nekhono lomshwalimali ukuqokelela i-premium ngokwaneleyo kwixesha lokufihla ilahleko ezenzekayo. Ngeepesenti eziphantsi kakhulu zabantu abathengisa i-inshurensi yenyikima, iindleko ziya kuba ziphakamileyo kuba indleko yentlekele iyasasazeka ngaphantsi kwabaphathi abambalwa. Ukuba abantu abaninzi bathenga i-inshurensi yenyikima, ke iindleko ze-inshurensi zingayilahla, ngokusekelwe kwinqununu yinshurensi ngakumbi ukuba kukho ixesha elide phakathi kweentlekele, eziye zabonakala ngathi yinto.
Ukulinganisa iiNzuzo kunye noThengelwano lweNtshuwalense yeMhlaba
Emva kokuphonononga iinyaniso, nguwe kuphela onokuza kwisigqibo sokuba ingafanelekile ukuhlawula i-inshorensi yenyikima. Enye into eqinisekileyo kukuba kunzima ukuqikelela ukuba kuza kwenzeka nini inyikima, kwaye nangona imimandla ingaba nexesha elide lomsebenzi ophantsi, kuthatha isiganeko esisodwa esikhulu ukudala umonakalo okanye ukutshatyalaliswa kwipropati yakho.