Indlela yokufumana (kunye nesizathu sokuba uyifunayo) Umyinge wokuNgezelelwa kweNdleko yoLuntu
Sivame ukuva malunga namabali apho abantu baphuma khona kwisitrato emva kwentlekele , nokuba ngaba emva komlilo kwisakhiwo sezindlu kubanikazi; okanye kubanikazi bezindlu okanye abanikazi be-condo emva kokulimala kwepropati enkulu, okanye ezinye iingozi kunye nentlekele.
Xa usuka ekhaya, i-condo okanye i-inshurensi yenkampani eyongezelelweyo Inkcitho yokuHlawuleka kweNdleko yoKhuseleko iyakuvimbela ukuba ube kwindawo 'yokungenamakhaya' okanye ukuphelisa ukulala ngebhedi kwimimiselo yakho okanye izindlu zakwahlobo xa ulindele ukulungiswa okumele kwenziwe.
Nantsi indlela esebenza ngayo, kunye nendlela yokufumana le ngxelo.
Iindleko zokuHlala ezongezelelweyo (ALE) ichazwe
Iindleko zokuphila ezongezelelweyo yintlawulo yomshuwalense onokuza kunye nomnini- propati , umshuwalense werenti okanye umgaqo-nkqubo womshuwalense womnini-condo. Ukongezwa kweeNdleko zoLongezelelweyo kubonelela xa ungakwazi ukuhlala kwindawo yakho yokuhlala okanye kwikhaya ngenxa yokulahlekelwa yintlawulo okanye ibango, ngelixa ikhaya lakho lilungiswa.
Iindleko zokuHlala ezongezelelweyo ziya kukunika imali ukukuvumela ukuba ugcine impilo yakho yesiqhelo, kwaye uhlawule ngeendleko ezongezelelweyo zokuhlala kwenye indawo xa ikhaya lakho litshabalaliswa okanye lingenakuhlala khona kuze kube yilapho ilungiswa, okanye kude kube "iindleko zokuHlala ezongezelelweyo" okanye umda we-ALE fi kelelwa kwipolisi yakho.
Iindleko zoLongezelelweyo eziLongezelelweyo zikunceda njani kwiBango
Ngaphandle kwenkcazelo yokubonelela ngemali yeendleko ezingalindelekanga, ukukwazi ukugcina ukuzimela kwakho kunye nokwangasese kwikhaya lakho lexeshana kunciphisa uxinzelelo oluninzi kwiimeko zamabango kuwe nakwentsapho yakho.
Uya kuba noxolo lwengqondo ukwazi ukuba awusoze waba ngokwakho ukuzama ukucinga apho uza kuhlala khona ngelixa uzama ukubuyela kwintlekele enkulu.
Ungayifaka nini iALE?
Unokumangalela kuphela i-ALE ukuba ikhaya lakho lenziwe lihlalise emva kokulahleka okubangelwa umngcipheko owenziwe ngumgaqo-nkqubo we-inshorensi .
Ngamanye amaxesha ukulungiswa kwikhaya lakho kunokukwenza ubomi bakho bube nzima, kwaye unokukhetha ukuya ehotele. Ungaze ucinge ukuba oku kuya kugqitywa, inkampani yomshuwalense kufuneka ikuvume ukuba uphume endlwini yakho ngenxa yeemeko zebango . Ezinye iindlela ezizisebenzisayo xa kungekho manzi okanye umbane. Le yimiqathango engenza ikhaya lingabi nakubantu.
Ukuba nolungiso oluthile olwenziwe kwindawo yakho yangaphantsi kwiveki emva kokulimala kwamanzi okanye ukuhlawulela umkhumbi, akuvumelekanga. Kukho imeko apho umthengi enesigxina sophahla lwaso lulungiswa emva kwesiphepho, kodwa ngenxa yokuba umonakalo awunakuphazamisa indawo yabo yokuhlala, kwaye babe nobushushu, umbane kunye namanzi, i-ALE ayizange ivunyiwe. Njalo ubuze ngaphambi kokufaka iindleko. Inkampani nganye yomshuwalense iya kuhlola imeko yebango kwaye ikuxelele ukuba unako ukufumana ingqalelo kwimeko yakho.
I-ALE isebenza njani?
Iindleko zoLongezelelo zoLondolozo ziya kuhlawula i-insured kwiindleko ezongezelelweyo zokuphila eziya phezulu nangaphezulu kweendleko zabo eziqhelekileyo ngenxa yokulahlekelwa yinkxaso ye-inshurensi. Isibalulekileyo apha kukuba iindleko zokuhlala ezongezelelweyo zijolise kwiindleko ezongezelelweyo.
Ngokomzekelo, ukuba umnini-mboleko uhlawula i-dollar ngenyanga engama-500 ngenyanga, kwaye ngenxa yomlilo kwisakhiwo sawo, umninimzi wabo ubaxelela ukuba bangakhathazeki ngokuhlawula irente ukuze kubekho indawo yokuhlala kwakhona, ngoko kanye iindleko eziqhelekileyo ze-$ 500 zokuhlala.
Masithi bafumana indawo yokungena kwexesha elifutshane lomgangatho kunye nendawo, kodwa ngenxa yokuba inikezelwe, ibiza i-$ 900 ngenyanga. Iindleko zabo ezongezelelweyo zindleko ze-$ 400 kule meko. Akukho $ 900.
Ngokufanayo, masithi ngenxa yesimo esinzima, umnini-mhlaba unquma ukuhlala kancinci xa ekulindela ukuba indlu yakhe ikulungele, kwaye endaweni yengxowankulu ye-$ 900, baya kwiyunithi ephezulu yokujonga i $ 1,300 inyanga. Inkampani yomshuwalense ingahlawula ibango kwaye iyakwazi ukucacisa ukuba oku akunjalo apho imeko ekhoyo ngoku ukuba ubomi bugcinwe, kwaye ingavuma kuphela ukuhlawula ixabiso elilinganayo nedola le-$ 900, kwakhona kwakhona ukuhlawula imali engama-$ 400 ngokwenene eyongezelelweyo iindleko zokuphila ngexesha leenyanga abaqeshi baphunyelelwa.
Uluhlu lwezinto ezongezelelweyo Iindleko zoLondolozo lweNdleko zingabhalelwa kwiBango
Nayi imimiselo embalwa yezinto apho inkampani yomshuwalense iya kuqwalasela ukuhlawula phantsi kwephepha le-ALE kwibango, ukuba kunengqondo ukugcina indlela yakho yokuphila:
- Irestlo zokutya
- Iindleko zokunyuka kwama-mileage okanye iindleko zokuhamba ngenxa yendawo entsha yendawo
- Iindleko zeendawo zokuhlala zesikhashana, makube yindlu yokuqashisa, ihotele, ihotele okanye igumbi kwindlu yokuhlala.
- Iindleko zokwenza impahla yokuhlamba iimpahla-Ukuba kufuneka uthumele iimpahla zakho zokuhlamba ngenxa yokuba awukwazi ukufikelela kwi-washer kunye nesomisi kwikhaya lakho lesigxina, ngoko unokufakwe, umzekelo
- Ifenisha yokuqeshisa-iindleko zokuqashisa izinto ezikhethekileyo oqhelekileyo zisetyenziselwa ukuba zikhutshwe kwaye ziqwalaselwe
- Iindleko zokugcina ezibhalwe phantsi kweemeko ezikhethekileyo
- Iindleko zokuhamba okanye zokufuduka
- Ukubhukuda kwezilwanyana, kunye nokunye ...
Ngenxa yokuba iindleko zokuhlala ezongezelelweyo zenzelwe ukugqithisa umahluko phakathi kokuqhelekileyo ukuhlawula kunye noko kufuneka uhlawule ngoku ngenxa yokuba awuhlali ekhaya, nangona iindleko ezingentla zingabhekiswa yi-ALE, kuya kuhlala kusekho uvavanyo malunga nendlela iindleko ozibiza ngayo zithelekisa kwiindleko eziqhelekileyo zokuphila kwakho.
Njengomzekelo womqeshi oqashisayo, uvavanyo olufanayo luya kwenziwa ngumhleli we-inshurensi.
Kufuneka Uninzi Kangakanani Ukulindela Ukuhlawulwa Kwe-ALE kwiMangalo?
Kulula ukungaqondi kakuhle oko kuya kuhlawulwa kuwe xa ubiza i-ALE. Into yokugqibela ofuna ukuyenza iqala ukusebenzisa zonke iintlobo zemali eyongezelelweyo, kuphela ukufumanisa ukuba ufumana isiqingatha salo kwakhona.
Iindaba ezilungileyo kukuba iinkampani ezininzi ze-inshorensi zinamanethiwekhi amakhulu kunye nezixhobo zokukunceda ukuba ufumane ikhaya okanye irenti efana neyakho, kunye neemeko ezikufutshane nento ohlala kuyo.
I-adjuster izakukubonelela ngezinye iindlela ozikhethile kuzo eziya kuhlangabezana nemida yakho ye-ALE, kwaye uya kuba sesikhundleni sokuxubusha ukuba ixesha elide eliza kuhlawula ngayo iindleko zokuphila ezongezelelweyo. Ngenxa yokuba i-ALE inomda kwiimeko ezininzi, awufuni ukuphelelwa yimali ukugubungela iindleko zakho, yingakho icebo elifanelekileyo lokubuza i-inshurensi yakho ye-inshorensi ngokukodwa malunga nobude bexesha onokulindela ukufunyelwa ngelixa kukho ukulungiswa okwenziwe ekhaya lakho .
Yintoni i-ALE ibeka umgaqo kwi-Inshorensi?
Ngokuxhomekeke kwifom yakho yepolisi kunye nohlobo lomgaqo-nkqubo, umda we-ALE udla ngokuba:
- Phantse iipesenti ezingama-30 zomyinge wokuhlala umgaqo-nkqubo wezindlu eziqhelekileyo ,
- Phantse iipesenti ezingama-50 zomhlaba okanye i-insured content inomlinganiselo wemigaqo-nkqubo ye-condo
- Phantse iipesenti ezingama-30 zepropati yomntu okanye umda wokuqulatha kumgaqo-nkqubo oqeshwe ngumgangatho.
Le mizekelo nje yento onokuyilindela njengomlinganiselo osemgangathweni we-ALE. Okubalulekileyo apha kukukwazi umda wakho ongayifumana kwikhasi le- Inthanethi ye - Intshurenti yakho okanye kwigama.
Kukho imigaqo enemida ephezulu, kwaye iinkampani zomshuwalense zinokugqiba isigqibo sokwandisa imilinganiselo ye-ALE ngokusekelwe kwiimfuno zabo.
Kufuneka uhlale ubuza nommeli wakho we-inshorensi malunga ne-ALE kunye nokugqiba ukuba ngaba kuya kubakho ukukhawulela iindleko zakho ukuba kufuneka uphume ekhaya lakho ixesha elide ngelixa ulungiso lwenziwa.
Umzekelo weeNdleko zeeNdwendwe kunye neNdleko yokuThengiswa kweNdleko yoLongezelelweyo
Iindleko zokutya zindleko eziqhelekileyo ze-ALE ezingaqondwa kakuhle. Kufuneka uhlale ucela i-adjustuster yakho ukuba ezi ziindleko ziza kubuyiselwa njani kwaye ziphi na izixa eziqwalaselayo ngokufanelekileyo ngesidlo ngasinye. Iinkampani zomshuwalense zihlala zifumana isikhokelo malunga noko bazimisele ukuyibuyisela ngokulinganayo. Xa zakho iindleko ziwela ngaphakathi kwesi siqhelo, ngoko awuyi kuba neengxaki, ukuba ngaba zingaphezu kwesiqhelo, ibango lakho liya kuhlolisiswa ngakumbi kwaye kufuneka uqinisekise ukulahleka kwakho kunye neendleko ngaphambi kokuhlawulwa. Oku kungaphezulu nje kokubonelela irisidi, kubandakanya ukubonisa oko okuqhelekileyo uchithe ngokutya, kwaye uqinisekisa ukuba iindleko zokutya ozihlawulayo ziqikeleleka ngokuthelekiswa nokuphila kwakho. Ungaphinda ufune ukucela i-ajusterter yakho yeendleko zotywala ziza kuhlawulwa njengenxalenye yale mivuzo yeevenkile. Uya kumangaliswa ukuba bangaphi abantu abacinga ukuba ibhilikhwe epheleleyo iya kuhlawulwa, kodwa kuphela ukuphela kokugqibela okuhlawulwa.
Ngokomzekelo, uMary noJoe banomdla wokutya. UJoe ungumqhubi obalaseleyo kwaye ngokuqhelekileyo, ugcina inyama kunye nezonka zokutya zasemanzini kwaye udala ukutya okulungileyo imihla ngemihla. UMary noJoe baxhaswa yinkampani yomshuwalense kwikhaya lokurenta enekhitshi epheleleyo. Baphuma baya kudla amaxesha amaninzi baze bafake iirisithi kwiinkampani zomshuwalense ukubuyisela imali. Inkampani ye-inshurensi ibuza imibuzo yeebhilikhwe, icacisa ukuba ukutya kukudlula i-$ 200, kwaye oku kungaphezu kwesibonelelo sabo esiqhelekileyo seendleko zokuhlala ezongezelelweyo. UJoe uyachaza, bayathanda ukutya kakuhle kwaye basebenzise ukutya okuphezulu kwikhaya labo. I-adjuster yazi oku malunga naba bathengi kwaye yingakho bawafaka kwikhaya elinikezelwe kakuhle kakhulu kunye neendawo ezifanelekileyo zekhitshini. Ngelishwa, inkcazo kaJoe yeendleko zabo ezongezelelweyo zokuphila azifaki kule nkalo. Abaxhasi banikezelwa zonke izinto ezifanayo ekhaya. Ukutya kwiivenkile zabo zokutyela kwakungekho eyongezelelweyo iindleko zokuphila ezibangelwa ibango okanye ukufuduka. Kule meko, inkampani yomshuwalense yayingaphantsi kwelungelo labo lokuhlawula isibonelelo sokutya esiqhelekileyo ukuya kumgangatho wezinto eziza kudlula ukuthengwa kwazo ngokuqhelekileyo. UJoe noMary babengaphandle kwipokhethi kuba babengakuqondi kakuhle.
Iindlela ezi-4 zokuqinisekisa ukuba ufumana ama-maximum max Benefits Ahlawulwa kwi-ALE kwiMangalo
- Yilungele ukubonelela iirisithi zonke iindleko zakho
- Qaphela ukuba iindleko zenyuka njani kwiindleko zakho eziqhelekileyo
- Nika ubungqina beendleko zakho eziqhelekileyo ukuba zisetyenziswe njengendawo yokufanisa kwinkampani yomshuwalense xa bebuza izinto
- Fumana isigunyaziso esibhaliweyo naliphi na iindleko ezizodwa kwiinkampani zomshuwalense ukuphepha ukungaqondani
Akukho nto ephosakeleyo ngokuzizonwabisa kwaye uzama ukwenza okusemgangathweni kwimeko enzima, kubalulekile ukuba ukwazi ukuba uya kuba yintoni. Xa ungaqiniseki ngaso sonke isikhathi ucele umlungiseleli wakho ukuba achaze indlela izinto eziza kugqitywa ngayo ukuze ungagqiba ukunyathela ibhilikhwe.