Indlela yokuzikhusela njengomnikazi weCondo kunye neNtshumo yoVavanyo lweNtshontsho
UkuHlala kokuVavanywa ngumsebenzi we-inshurensi umnikazi we-condo angayithengisa ewafihlayo kwiimeko apho umnikazi ngamnye wepropatium okanye i-co, enoxanduva lwezemali ngenxalenye yeendleko zomonakalo:
- sakhiwo
- iindawo ezabelwana ngazo zepropati
- okanye ukulimala kwiindawo ezabelwana ngazo
Isixa esiza kuhlawulwa ngumnini ngamnye sihlolwe ngabaphathi bezindlu okanye abanikazi be-condo corporation okanye umbutho, oku kwaziwa njengoluhlolo lokulahleka.
Njengomnini, kufuneka uhlawule isabelo sakho ukukhawulela umonakalo.
Yintoni yokulahleka kweeVeki zokuHlola?
- Ukuhlolwa kwelahleko kungasetyenziswa kumonakalo wepropati, uxanduva, ukulimala kwindawo, okanye ukuxothwa.
- Uvavanyo lokulahleka lunokufaka isicelo kwi-condo okanye nabanikazi bepropati, okanye nayiphi na umnini wepropati onayo inyunithi kwipropati yoluntu ekwabelwana ngayo ephethwe ngumbutho womnini womtshato okanye umninikhaya.
Umshuwalense wokulahlekelwa kweNtsholongwane kwi-Condo Policy HO-6
Uvavanyo lokulahlekelwa ngumsebenzi ofumanekayo njengenxalenye yomshuwalense we-condo ye-HO-6 kwaye unokubonelela ngeentlobo ezithile zokulahleka apho uMbutho weCondo okanye weeNdawo zabanikazi basekhaya (HOA) unokukucela ukuba uhlawule isabelo sakho semonakalo esingekho ihlanganiswe phantsi komgaqo-nkqubo wezakhiwo okanye ngaphezulu kweencwadi ezikhoyo.
Indlela yokufumana Umyinge wokuHlola wokulahlekelwa
Xa uthengela umgaqo-nkqubo wakho womshuwalense, unokubuza malunga negalelo lokuhlolwa kwelahleko. Thetha kwi-arhente yakho okanye umthengisi ukuqonda ukuba umlinganiselo wakho ukhangele ntoni kunye ne- inshorensi yakho kwiphepha lakho lokuvakalisa ipolisi .
Qinisekisa ukuba ubuze malunga nezibonelelo kunye nemingcele kwi-couverture yokuhlolwa kwelahleko; oku kuhlukahluka kwinkampani yomshuwalense kwinkampani yomshuwalense.
Ukuba usanda kuthenga i-inshorensi entsha kwindlu yakho yedolophu, i-townhouse okanye i-coop, unokucela ukuba ubone ulwazi malunga ne-binder yakho ye-inshurensi leyo i-Condo Owner Association okanye umnini-bendlu yomnini (HOA) unokucela ukuba unikeze ngexesha lokusayina ipropati yakho entsha.
Kutheni i-Loss Assessment Assessment Coverage ibalulekile?
Uvavanyo lokulahleka lukunceda ukukhusela kwiindleko ezingalindelekanga onokufuneka uzihlawule ngenxa yemonakalo kunye nemiba ehambelana nesakhiwo okanye ipropati yakho yokuhlala okanye indawo yokuhlala iyingxenye. Kwakhona kunceda ukukhusela ukuba i-HOA yakho ayizange ifake isakhiwo ngokufanelekileyo okanye ithathe i-deductible ephezulu. Xa i-HOA inquma ukulahleka kwangempela ngenxa yomonakalo kwaye ihlula iindleko phakathi kwabanikazi, ukukhutshwa kwe-coudo yokulahlekelwa kwenkqubo yokulahlekelwa ngendleko kunokunceda uhlawule ezi ndleko.
Ingaba i-Condo Building Building ayikhokheli umonakalo?
Akuninzi. Abanikazi bokuqala bexesha le-condo bacinga ukuba i-inshurensi yabo yokwakha i-HOA iya kwanele ukuhlawula iindleko ezinxulumene nemonakalo yesakhiwo kunye neendawo ezabelwana ngazo. Yiyiphi i-condo abanikazi abayicingi njalo kukuba nangona umonakalo ungagqitywa ngumgaqo-nkqubo wezakhiwo, izakhiwo zihlala zihlawule kakhulu; ngoko ke abanikazi be-condo baya kuba noxanduva lokuhlawula isahlulo sabo se-deductible esinqunywe nguvavanyo, nangona umonakalo ngokwawo uhlanganiswa yi-inshurensi.
Ukwakhiwa kweeCondo eziDeductibles kunye nokuPhonsa ukuHlola
Ukwakhiwa kwezakhiwo ezithengiswayo kungaba ngezantsi kwi $ 5000, kodwa kunokuya ngaphezu kwama-R10 000 okanye i-$ 50,000 kuxhomekeke kwintengiso yongxowa-mali ye-HOA ethatha isakhiwo.
Kubalulekile ukwazisa malunga nohlobo lwenkonzo yokubambisana nombutho wakho we-condo esakhiweni ngokubuza imibuzo. Ngaphandle koko, unokuphelisa ngezinye iindleko eziphezulu ngenxa yokuvavanya ilahleko.
Yintoni Ukulahleka KuVavanyo Kwincwadi Yomgaqo-nkqubo WeCondo?
Uvavanyo lokulahlekelwa kwi-condo yakho okanye inkqubo-co-op ingafaka isicelo:
- amabango avela kwiimeko ezibandakanya isakhiwo ngokwaso
- Imimandla ekwabelwana ngayo isakhiwo sakho isahlulo
Qiniseka kwaye ubuze malunga nezibonelelo kunye nemingcele yovavanyo lwe-inshorensi yokuhlolwa kwelahleko kuba iyahluka ngokuxhomekeke kwinkqubo yakho yomshuwalense. Ezi zikhokelo eziqhelekileyo kukukunceda uqonde ukuhlaziywa kwelahleko kwaye kukunike ithuba lokuxoxa ngale ngxelo nommeli wakho we-inshorensi ukuze ukwazi ukufumana ukhuselo olufanelekileyo kwiimeko zakho kunye neemeko.
Ngaba ukulahlekelwa koVavanyo kuVavanya konke ukuHlola?
Hayi, kuxhomekeke kwintlawulo yakho yomshuwalense wakho umgaqo-nkqubo awuvumelekanga ukubandakanyeka ukuba awuzange uthenge i- inshorensi engozini okanye ingozi yokuba uvavanyo lu.
Umzekelo ukuba iqumrhu lomnini okanye umbutho we-condo uhlawula ukuhlaselwa kwelahleko malunga nawe ngenxa yokonakaliswa kwenyikima kunye ne-inshurensi yakho ayizange igubuzele inyikima, ungenakukhutshwa. Buza ummeli wakho we-inshorensi ukuba ahambe phezu kweenkcukacha zakho zokubhengezwa kunye nezibonelelo. Nika ingqwalasela ekhethekileyo kumonakalo wamanzi , eyona mbambano enkulu kwi-inshurensi ye-condo.
Xa Kukho Uvavanyo Lokulahlekelwa Kwintlangano Yakho?
- Xa ilahleko lidlula imali ehlanganiswe kwi-HOA okanye umgaqo-nkqubo we-inshurensi yombutho we-condo
- Xa kungabikho ukukhutshwa ngomshuwalense wombutho we-condo ngokulahlekelwa
Ixabiso lelahleko livavanywa kwaye linokuhlulwa phakathi kwabo bonke abanikazi beyunithi ye-condo, okanye kwimeko yabaqeshi.
I-Condo Master Policy Amaphene kwi-inshorensi
Xa umgaqo-nkqubo we-Master or Home Owner Association (HOA) ubandakanya ilahleko, kodwa umonakalo ogqithisileyo okhoyo kwi-inshurensi yomshuwalense wokwakha, abanini beeyunithi nganye bangaba noxanduva lokufumana isabelo esabelwe ngokubhengezwa kwintengiso yomshuwalense ayengenelanga ukufihla.
Uvavanyo lokulahlekelwa kunye noDeductibles
Uvavanyo lokulahleka lunokusetyenziswa kwi-deductible ehlawulwa kwi-policy master coverage. Ngenxa yokuba yintengiso yomshuwalense, ngokuphindaphindiweyo i-deductible iphakamileyo, xa oku kuhlawulwa kwiibango, isixa sihlulwe phakathi kwabo bonke abanikazi beyunithi.
Indlela yokufumana ngakumbi ukulahlekelwa koMgangatho woVavanyo kuMgaqo wakho
Ukuba ungacingi ukuba ukuhlolwa kolahleko lwakho luphezulu ngokwaneleyo emva kokufumanisa malunga nekhondomu yakho okanye isakhiwo se-inshurensi yokwakha i-inshurensi kunye neenqununu, cela ukufumanisa ukuba unokwandisa ukuhlolwa kwelahleko ngokufaka ukwamkelwa . Unokuthenga ngeenxa zonke ukuze ufumane ukuba enye inkampani yomshuwalense ikukhusela kakuhle. Iinkampani ezahlukeneyo ze-inshurensi zinikeza amaqela ahlukeneyo e-inshorensi esekelwe kwindlela ophila ngayo ; Oku kusebenza ukuhlolwa kwelahleko kunye.
Umgaqo-nkqubo we-inshorensi oqhelekileyo unokulungele wena, kodwa ungaphinda ufune ukufihla okuphezulu. Indlela eyona ndlela yokufumana ngayo kukuxoxa ngezikhetho kunye nommeli wakho we-inshurensi okanye umthengisi. Ukuba yakho inkampani yomshuwalense yangoku ayikunakunceda, kwaye ufumanisa i-coverage engcono kwenye indawo, unokuqwalasela ukukhansela umgaqo-nkqubo wakho ukuze ufumane ukufundwa kwekharityhulam; akudingeki ulinde usuku lwakho lokuvuselela ukutshintsha inkampani yomshuwalense .
Imilinganiselo yoMgaqo-nkqubo kwiCondo yePolisi: UkuHlala kokuHlola
Imigaqo-nkqubo ye-inshurensi inemingcele ethile kwimigqaliselo emininzi, njengezinto zobungcweti okanye eziqokelelweyo kunye nokuhlaselwa kovavanyo kumgaqo wakho womtshato. Qinisekisa ukuba ufumanisa ukuba imida yakho ibe yintoni, kwaye ufumanisa ukuba kukho umda wokuvavanya ngenxa yokuncitshiswa.
Ngenxa yokuba yonke i-master condo okanye i-HOA nkqubo iyahluke, iimfuno zakho zokuhlawula i-loss loss will depend on the type of coverage your association Condo okanye i-HOA inesakhiwo. Qinisekisa ukuba ufumanisa ngokukhawulwa kwesikhokelo sombutho wakho kunye nokuba ukhuselwe kakuhle kunye nomgaqo-nkqubo wakho. Musa ukuzithemba kwi-inshurensi yesakhiwo senqwelo-mali ukukhusela ngokupheleleyo. Wonke umntu okanye umnini-nkonkco kufuneka abe nomgaqo-nkqubo womshuwalense wakhe, oku kuya kukunceda ukuphepha iindleko kunye nokuxakeka.