Ukuqonda Iintlawulo zeebango zeeNkcazo zeCash and Cost Change
Ingakanani Imali Uya Kuhlawulwa Kwimangalo?
Impendulo kumbuzo wokuba uninzi lwemali onokulindela ukungena kubango lakho lomshuwalense lixhomekeke kwizinto ezintathu eziphambili:
1. Uchaneke njani ngokuchanekileyo, uchaze kwaye ubonakalise ukubaluleka kwePropati yakho kwiNgqino yakho yokulahleka.
I-inventory yasekhaya yezinto kunokunceda ngoku. Iinkcukacha ezingaphezulu kunye nobungqina obunokubaluleka, ubuncinane ukuba uya kuba yinceba yenkcitho yenkampani yomshuwalense.
2. Uhlobo lomgaqo-nkqubo onayo
Imigaqo-nkqubo ye-inshorensi eyahlukeneyo inikezela ngeendlela ezahlukeneyo. Abantu abathathu banakho ukuba " nomgaqo-nkqubo wabanini " okanye " umgaqo-nkqubo " kodwa uhlobo lomgaqo-nkqubo abanalo luya kubangela ukuba kubekho umngcipheko okhuselekileyo , ukukhutshwa kunye nemida ekhethekileyo yezinto ezithile. Unokufunda okungakumbi ngemida ekhethekileyo ye-inshorensi apha , imida ekhethekileyo kwipolisi yomshuwalense ayiyinto ephantsi kuzo zonke iinkampani ze-inshorensi ukususela kule ngongoma yokuhlula kwinkampani nganye yomshuwalense. Ngokomzekelo, iinkampani ezijolise ekukhange abathengi abanezindlu eziphakamileyo eziphezulu zinokuba nemida ekhethekileyo kwimimandla yezinto zokugqoka, ubugcisa obuhle, okanye ukuqokelela iwayini.
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3. IsiSeko seMimiselo yokuTyala: Ixabiso langempela leeCash kunye neNdleko zokuTshintshisa
Yilapho izinto zidideka, kodwa siya kucacisa iinkcazo kuwe, kunye nokunika imizekelo.
Isiseko samabango okuhlaliswa kwimeko yokuprintwa encinci kwi-inshorensi yegama lomshuwalense. Nangona iphepha lekhava okanye i- DEC Page ye-inshorensi yakho ingabhala uluhlu kunye nesiseko esiphezulu semibango yokuhlawula, kubhalwe ngamazwi okuba iza kuhlawulelwa njani ukuze izinto zibe nzima.
Masihambe ngaphezu kwezinye izinto ezisisiseko ukuze sincede ukuba uqonde indlela inkampani yomshuwalense eya kubeka ngayo ixabiso lempahla okanye impahla okanye into oye walahlekelwa ngayo, kwaye ingaba uza kuhlawulwa kangakanani ngenxa yesibango. Ngokuqhelekileyo xa umntu edidekile kwindlela ahlawulwa ngayo, kungenxa yokuba abazange baqonde ukuba isiseko samabango asebenza njani kunye neyona ntsi ngiselo yeCash Value yeCash kunye neNdleko yoTshintsho.
Ixabiso langempela leeCash (ACV) Inkcazo
Ixabiso langempela lee-Cash xa inkampani yomshuwalense ivuma ukuhlawula ixabiso elithinteleyo ngexesha lokulahleka. Iintlawulo ze-ACV ziquka ukuncitshiswa kokunciphisa. Nangona kunokuba kunomdla wokuva ukuba uya kufumana imali yokuhlawula imali, lolu hlobo lokuhlalisa alukuvumeli ukuba ubeke endaweni eyayilahlekileyo, kodwa kunokukuhlawulela ngokubaluleka kwento njengokungathi kuthengiswa kwigaraji thengiswa.
Inkampani yenkampani yomshuwalense ineendlela ezithe xaxa zokubala ukwehliswa kwezinto ngaphandle kokumisa ixabiso lentengiso kwigalaji yokuthengisa, kodwa nakweyiphi na imeko, ixabiso langempela lemali likushiya kwisimo esinzima kuba awukwazi ukuphuma esitolo kunye athenge into efanayo efanayo.
Ukuphinda uvuselele izinto zakho zomntu, okanye ngakumbi, ikhaya lakho ngexabiso langempela lemali okanye ixabiso eliphantsi liye lashiya ilahleko xa kuthelekiswa neendleko zokuhlala.
Iipolisi zendleko ezitshintshayo ziyafumaneka kwiimeko ezininzi, ngoko rhoqo ufumane i-quote yomgaqo-nkqubo oza kunika iindleko zokutshintsha ngaphambi kokuba ulungiselele i-ACV.
Iindleko zokuTshintshiselwa kweNdleko
Iindleko ezithintekayo zinikeza inkokhelo elinganayo naleyo efunekayo ukubuyisela izinto ezilahlekileyo kwi-loss settlement ibango lakho.
Iindleko zokutshintsha ziphakamileyo kwi-ACV kuba iya kukuvumela ukuba uzibeke kwindawo efanayo phambi kwakho kokulahleka ngokukunika imali efunekayo ukuze utshintshe izinto zakho.
Enye into engaqhelekanga ngokungafaniyo malunga neendleko zokutshintsha yindlela indleko yokubuyisela izakuhlawulwa ngayo, ukwenzela ukuba ukwazi ukuqokelela iindleko zokutshintsha, kufuneka ufake endaweni. Funda ngaphezulu ngaphantsi malunga nendlela inkqubo yokuhlawula iindleko eziza kusebenza ngayo.
Uya Kufumana nini Iintlawulo zeNkcazo yeeNkcazo ze-Intshurensi yakho?
Ngokuxhomekeke kubukhulu belahleko kunye nohlobo lwesibango, kuya kufuneka ukuba unikezele ngolwazi oluninzi ngaphambi kokufumana ukuhlaliswa ngokupheleleyo kwibango lakho.
Ngokuqhelekileyo, emva kokuba i-adjuster ihlaziye uluhlu lwakho lwezinto ezilahlekileyo, zagqiba oko kuza kutshintshwa okanye zilungiswe, kwaye zinikezelwe okanye zavunywa ixabiso, ziya kuza kwixabiso elithinteleyo lezinto, okanye ixabiso langempela lemali.
Lindela ukuba ufumane uluhlu, ube nenkampani yomshuwalense ukuphonononga uluhlu, kwaye ke uya kuba nethuba lokujonga isipho sabo ngaphambi kokufumana intlawulo. Ukuba isiseko sakho sokulahlekelwa kukulahlekelwa yixabiso langempela lemali, ngoko banokukucela ukuba usayinwe kwisixa, uthi yintlawulo yokugqibela, ngaphambi kokukunika isheke. Inkqubo iyahlukileyo kwiindleko zokutshintsha.
Amanyathelo amabini Inkqubo yokuThutshelwa kweendleko kwiNdleko
Xa unamabango kunye nokulahlekelwa kwemali kwi-cost-substitution basis, lindela ukuba uza kuba neentshekethi ezimbini ubuncinci ngaphambi kokuhlawulwa ngokupheleleyo.
- Isheke lokuqala liza kubaluleka kwexabiso lemali yezinto.
- Kanye kuphela xa ubonisa ukuba utshintshile izinto, ngaba uya kufumana iintlawulo zokugqibela kwiimeko ezininzi. Le yinkqubo yebini elincinci kwaye unika uxanduva kuwe ukuba uphendule ngokwenene izinto ngaphambi kokuba uhlawulelwe iindleko ezipheleleyo zokubuyisela. Ukuba izinto zitshintshwa ngexesha lexesha, ungangenisa iindleko zakho endleleni ukuze ufake indawo kwaye unokuthetha nomlungiseleli wakho malunga nokuba ungalindela iintlawulo. Oku kuncike kakhulu kubukhulu belahleko.
Ukugcina uxhulumaniso oluvulekile kunye ne-adjuster kwibango lakho kuya kukunceda ukuba uqonde ngokuqinisekileyo ukuba ulindele ntoni, kwaye kukunceda uhlawule ukulahlekelwa kwakho .
Ingaba iInkampani Yomshuwalense Ilungisa Izinto Xa Unomlinganiselo Wendleko?
Inkampani yomshuwalense inokuba nelungelo lokulungisa okanye ukubuyisela izinto . Baza kuhlaziya uluhlu lwakho kwaye bakuxelele ukuba baya kwenza ntoni. Ukuba into ingahlaziywa ngokufanelekileyo okanye ibuyiselwe kwimimiselo yayo phambi kwebango, ngoko unakho ukunikezwa ukulungiswa kulawo matyala.
Ukuba loo nto ayikwazi ukulungiswa, ke baya kukunika iindleko zokutshintsha.
Ziziphi iinkcukacha ezifunekayo ukuba zifumane iindleko zokutshintshwa kwiNkundla?
Xa ulindele umvuzo opheleleyo wokutshintshwa kwezinto okanye izinto eziququzelelwe ngumntu okhuselekile ekhaya lakho , kufuneka ulindele ukubonelela uluhlu lwe:
- iinkcazo zento kunye nokwenza kunye nemizekelo xa kusebenza
- xa uqobo uthenge
- intengo oyithengileyo
- xabiso lokubuyisela namhlanje
- nasiphi na iifoto ezibonisa imeko yento (ukuba iyasebenza okanye iyafumaneka)
- i-receipt yasekuqaleni, ukuba ingqiqo
Umzekelo, awukwazi ukufumana iirisithi kuwo onke amabini weesokisi onawo, kodwa unokugcina iirisithi yakho kwi-TV yakho enkulu okanye kwisixhobo sezemidlalo ezibiza . Yonke inkampani ye-inshorensi inemilinganiselo yayo, ngoko ke qiniseka kwaye ubuze i-inshurensi ye-inshurensi kwifomu ukukunceda ugcwalise ubungqina bakho bezinto ezilahlekileyo okanye ulukhokelo lwento abayifunayo.
Ngaba Kukhona Igumbi Lokuxoxisana Ngezinto Ezifunekayo Zendleko?
Kukho indawo enokuthathethwano kuyo uluhlu lwakho lwamaxabiso endleko. Ngokomzekelo, ukuba into ithathelwe indawo yempompo engcono, umzekelo, unakho ikhompyutha eneminyaka engama-3 ubudala kwaye ayikwazi ukutshintshwa yinto efanayo kunye nomzekelo namhlanje, funda okulinganayo, uze ubhale ukuba " ixabiso elifanayo "kunye nexabiso elihambelana nalo. Njalo uzama okusemandleni akho ukufumana into efanayo yokubuyisela.
Kukho ukuxoxisana ngokuphindaphindiweyo kwizinto ezinjengale, kodwa ukuba unika ixabiso lentengo elithatha indawo kwaye wenze uphando lwakho, uya kufumana oko ucelayo.
Ukuba awuyenzi umsebenzi owongezelelweyo, i-adjuster izakuza neziphakamiso ezifanelekileyo okanye ukuvavanya kwaye ungahle ulahlekelwe ngaphandle, okanye ufanele ubuyele kulo uluhlu uze uhlaziywe.
Ezinye iinkampani ze-inshorensi zilula ngakumbi kwabanye. Oku kuya kwimeko ngokubhekiselele kwimeko, kuxhomekeke kwiimeko kunye neemfuno zekampani.
Kuthiwani Ngezinto Ezingasebenzi?
Ukuba into enqunyiwe ingasetyenziswa, okanye i-"nature yayo" ayikwazi ukutshintshwa "ungasifumana kwimeko apho uya kuhanjiswa kuphela nge-ACV, icandelo elifanayo lingasebenza kwisetyenzisi okanye iimbini xa enye inxalenye yesethi okanye ibini ilahlekile kwaye enye ingenakonakala.
Izinto ezingenako ukutshintshwa-Inkampani ye-inshurensi ihlawula njani?
Izinto ezizodwa ezingenako ukutshintshwa, umzekelo, ukuqokelela, i-antiqu, kunye nobugcisa obuhle kufuneka kuhlale kuxutyushwa nommeli wakho we-inshurensi phambi kokuba ibango livele. Oku kuya kukuvumela ukuba ufumane isiluleko esifanelekileyo malunga nendlela yokukhusela ixabiso kunye nenhlobo efanelekileyo ye-inshurensi. Kuya kunika ithuba lokufumana i-appraisals, kwaye mhlawumbi ulungise izinto kwi-floater okanye umgibeli wokuqinisekisa ukuba uhlawulelo luxabiseke. Ukuba izinto zolu hlobo zilahlekile kwibango kwaye i-inshurensi efanelekileyo ayifumanekanga, unokudanisa kakhulu into oyifumanayo.
Ingaba Iindleko Zokufaka Iquka Umthetho kaMasipala okanye Umyalelo We-Ordinance?
Qaphela ukunyuka kweendleko zokwakha kwakhona xa kuziwa kuMgaqo-mthetho. Nangona ikhaya lakho linokuthi liqinisekiswe kwiNkcitho yokuTshintshisa, ukuba kukho imithetho-mthetho eyenzekayo emva kokuba indlu yakho yasekuqaleni yakhiwe, oku kunokuchaphazela iindleko zangempela zokutshintshwa ngokunyuka kweendleko ngenxa yemithetho emitsha. Kukho izibhengezo kwezinye iilwimi ezingabandakanyi izindleko zokwakha ngenxa yemithetho kamasipala okanye imimiselo yesixeko.
Ukuvunyelwa kuyakhona ukufaka umgaqo-mthetho kumgaqo-nkqubo, kwaye ezinye iinkqubo ze-inshorensi eziphezulu eziphezulu eziphezulu ziza kubandakanya ukukhutshwa komthetho-mthetho, kodwa ukuba oko kungenayo ingxaki enkulu ekuchazeni ukuba yintoni indleko yokwakhiwa kwakhona kuya kuba, ngokumalunga ne-coverage kwiindleko zakho zokutshintsha.
Inyaniso Ekhawulezileyo: Iindlu ezimbini kwizindlu ezintathu zaseMerika zixhaswa
Ngaba Unako Ukufumana Iindleko Zokuba Utshaba Ukuba Isakhiwo Sakho Sasiphantsi Kwe-Insured?
Imigaqo-nkqubo yomshuwalense ibandakanya iigatya malunga nokuthi iindleko zokutshintsha ziya kuhlawulwa njani kwisakhiwo okanye kwisakhiwo. Imigaqo-nkqubo eninzi ingabandakanya isiGatshana seNkcitho yokuQinisekisa esiQinisekisiweyo. Eli gatya livumela ukuba elinye igumbi elijikelezayo lijikeleze inani elipheleleyo le-insured ekhaya xa emva kwelahleko kuqinisekiswe ukuba iindleko zazincinci. Ubungakanani bendawo egxininisayo onayo isekelwe kwigama lakho elithile lomgaqo-nkqubo kunye nohlobo lwefomu yepolisi onayo.
Ngokomzekelo, ezinye iinkqubo zithetha ukuba uya kulungelelaniswa neendleko zokutshintsha ukuba unikwe i-insured ukuya kuma-80 ekhulwini kwindleko yohlaziyo lokwakha kabusha. Iinkampani zomshuwalense zinokuba neendlela ezihlukileyo, ngoko qiniseka kwaye unokujonga ukuba unesigatshana sokubiza indawo, isigatshana sokutshintshwa esiqinisekileyo kunye nokuba izinto zisebenza njani xa uncediswa ngexesha lokulahleka.
Ingaba Inkampani Yomshuwalense Iya Kuze Ihlawule Umda Opheleleyo Umgaqo-nkqubo Wimshuwalense Kwimvume Ngaphandle Kweluhlu Olukhulu Lwezinto?
Kwiimeko zemangalo yentlekele, apho ikhaya kunye neziqulatho zalo zilahlekileyo, njengokwintlekele enkulu okanye umlilo, iinkampani zomshuwalense ziyakwazi ukuhlawula ixabiso elipheleleyo ukukhawulela iKhaya kunye neziKuncedo ukuba imeko iyanengqiqo ukuba kubo. Oku akuqinisekanga kwaye kusemandleni ekhampani yomshuwalense, bahlala benelungelo lokucela ubungqina belahleko. Nangona kunjalo kumabango amakhulu kunye nelahleko ezipheleleyo, ukuba umgaqo-nkqubo we-inshorensi ubeka ingqiqo, inkampani yomshuwalense ingafika ekuhlaleni ngaphandle kokwenza uluhlu lwempahla nganye ukuya kwimida yakho yomgaqo-nkqubo.
Buza ummeli wakho we-inshorensi ukuba inkampani yakho ye-inshorensi ngokubanzi ibeka ilahleko epheleleyo ukufumana ingcamango yokuba izinto ziya kusebenza njani. Into efanelekileyo ukuyenza ihlale ilungisiwe, kunye neikopi ezinkulu ezithengiweyo zigcinwe efini, okanye ibhokisi yokukhupha ikhutshwe kwiindawo, kunye nokubhala rhoqo ikhaya lakho neefoto onokuzibhekisela kwilahleko epheleleyo.
Ngaba Unayo Ukubeka Indawo Yakho okanye Izinto Ukuze Uzuze Ixabiso Lendleko Yokubuyisela?
Ewe, enye yeengcamango zegama lokuthengisela indleko, njengoko kuxoxwe ngasentla, kukuba kufuneka ubeke endaweni ukuze ufumane inkokhelo yentlawulo yokubuyisela, ungaphumeleli, unokuhlawulela ixabiso langempela leeCash. Nangona kunjalo kukho ukungabikho kwimigaqo ethile ethile yemigaqo-nkqubo, ezi yimigaqo-nkqubo kunye neNdawo yokuTshintshwa kweMpahla okanye iCash Out Options.
Ixabiso lokubuyisela kunye neCash Out Loss Restilments kunye neNdleko zokuTshintsha
Kukho imigaqo-nkqubo ephakamileyo, ngokuqhelekileyo kumakhaya aphezulu axabisekayo anokunika ithuba lokufumana ixabiso lokubuyisela elipheleleyo, ngaphandle kokubophelela. Le meko yemigaqo ngokugqithiseleyo iyabiza kakhulu kunemigaqo-nkqubo ye-inshorensi eqhelekileyo kuba iqwalaselwa ngokubanzi ngokubanzi kunye nokulungelelanisa xa kukho ibango. Unokubuza ummeli wakho we-inshorensi ukuba unelungelo lokufumana enye yeentlobo zemigaqo-nkqubo, ngokuqhelekileyo isekelwe kwimilinganiselo ephakamileyo yamakhaya, okanye imigaqo-nkqubo yokuqeshisa kunye neemfuno zokukhawulelana nomlinganiselo ophezulu, kunye nezinye iindlela. Ngokuqinisekileyo lukhetho olufanelekileyo lokujonga kuba kwibango, ukhetho lokuthatha imali yokuhlawula imali kunye nenani elipheleleyo lokubuyisela ixabiso kunokukwenza izinto zibe lula nakwiimeko zeentlekele kwaye ziphepha ukulahlekelwa kokutshintsha izinto ukuze ufumane ixabiso elipheleleyo.
Oku kuhluke kakhulu kuneNdleko yoTshintsho apho ukuba ukhetha ukungawuthathi indawo, okanye uvuselele ikhaya lakho, unokwenziwa kuphela nge-ACV eyancitshisiwe njengendlela yokuhlawula.