Indlela Yokugwema Ukunyamekela Ukuhlawulwa KwePokhethi Emva Kwenkqantosi okanye I-Windstorm
Abaninimzi abaninzi kunye neendwendwe banokuzifumana kwiimeko ezimbi kakhulu ukuba abazange bahlolisise i-inshorensi yabo ngokucophelela.
Kutheni Ufuna Ukulungiselela
Iingqungquthela zingabonakala ukusuka nasiphi na isalathiso kwaye zivumeleke okanye zingabikho kunye nesichotho, umbane, indudumo kunye nemvula. Inxalenye eyingozi kakhulu yenkqantosi yindlela yayo kunye nokubonakala kwangoko, ukutshabalalisa impahla kunye nesilumkiso esincinci. Ngenxa yoko, ukulungiswa, kungekhona nje kuphela ukhuseleko lwakho kwintsapho kodwa ngohlobo lwe-inshorensi oya kwenza ukubahluko ophezulu malunga nendlela ophuma ngayo kwezi ntloba zezulu nezulu.
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Olu luhlu olusisiseko lwezinto onokuzenza kusengaphambili ukuze uzilungiselele ukuze unqande umonakalo, kwaye ukhuphuke ukhuseleko xa kwenzeka isigubhu. Injongo kukuthintela ukulimala kunye nokulimala okanye kwipropati yakho, kunye nokuqinisekisa ukuba ukuba kufuneka wenze ibango ukuba ufumane ukulungelelaniswa okusemandleni.
Umngcipheko omkhulu kunazo zonke kwi-Intanethi yakho yasekhaya
Umngcipheko omkhulu ongabhekana nayo xa ikhaya lakho lonakalisa umonakalo omkhulu ngexesha lesiphango esinamandla okanye isithwathwa esiphezulu.
Ngeendleko zokutshintsha kwezinto zokwakha kunye nabasebenzi, iindleko zokuvuselelwa kwe-inshorensi yasekhaya ziye zanda ngaphezu kweminyaka. Nangona ezinye iinkqubo zibandakanya inketho yokulungiswa kwexabiso lentengo, oku akunakwanela ukugqithisa iindleko zokuvuselela izinto ezahlukeneyo. Thatha ixesha lokuqinisekisa ubungakanani bekhaya lakho eliqinisekisiwe.
Emva koko, qiniseka ukuba ubuze malunga nento eyenzeka kwibango ukuba ikhaya lakho lingagqithwanga.
Ezinye iinkqubo ziquka iindleko zokutshintshwa eziqinisekisiwe, nangona kunjalo, umda ungabanjwa.
Enye imigaqo ingakunciphisa inani le-insured. Ngabaninzi abaninikhaya abancedwa phantsi, le ngxaki enkulu engakushiya imeko apho kukho ne-inshurensi, awuyi kuba neleyo yokwakha kwakhona!
Le nxalenye enye ye-inshurensi yakho awufuni ukushiya ingacatshangwanga. Qhagamshelana nommeli wakho okanye umthengisi ukuba uxoxe ngepolisi yakho kwaye ukuba kuyimfuneko ukuba baqinisekise ukuba ixabiso langoku i-insured liphakanyisiwe. Qinisekisa ukuba unako konke okusemgangathweni kwee- inshorensi ezivunyelwe kuwe ukuqinisekisa ukuba uhlanganiswe ngokupheleleyo kwilahleko enkulu.
Ukufumana ukhuseleko oluphezulu lwe-Intshurensi: Uza kuhlawulwa njani umonakalo weNkathazo kwiNkundla
Nangona umonakalo wesichotho, izivunguvungu kunye nezinye iintlobo zomonakalo zentwasahlobo zihlanganisiwe, ulwazi olufunekayo ukuba nolwazi lugqithise ngaphezu kokuba lukhutshelwe ukuba lufakwe njani .
Iimpendulo kule mibuzo zilandelayo ziya kwenza umehluko omkhulu kuwe xa wenza ibango. Qala ngentetho kunye negosa lakho le-inshorensi okanye ummeli ukuqinisekisa ukuba uyaziqonda inkqubo yebango ngokupheleleyo phambi kokuba wenze ibango.
- Khangela uhlobo luni lomshuwalense wekhaya onayo. Ufuna ukuqinisekisa ukuba unayo yonke ingozi yomgaqo-nkqubo wePail ukuqinisekisa ukukhuselwa okuphezulu kwipropati yakho yasekhaya neyakho.
- Fumana ukuba unokwakheka ngokukodwa xa kwenzeka isigubhu okanye isivunguvungu, kwaye qiniseka ukuba unemali eyaneleyo ebekelwe bucala ukukhupha. Iindawo ezinobungozi obuphezulu zinokubangela ukuba iinqununu ziphezulu.
- Oku mhlawumbi yinto ebaluleke kakhulu yomgaqo-nkqubo abantu abambalwa abakuqwalasela phambi kwebango: Fumana ukuba yeyiphi isiseko semali yentlawulo eya kuba. Oku kubaluleke kakhulu kwaye kunokwenza umehluko weewaka zeedola malunga nokuba uza kufumana kangakanani ibango. Ingaba Unayo Iindleko Zengxelo, Ixabiso Lentengo Yemali (ACV) okanye Ixabiso Lokubuyisela kunye neCash Out Out ? Izinketho zeCash Out aziqhelekanga kwaye ziyafumaneka kuphela kwimigaqo-nkqubo ye-inshorensi ephakamileyo.
- Fumana ukuba kukho na imimiselo ekhethekileyo okanye iimpawu zomgaqo omele uziqaphele. Unokufuna ukuthenga ukhuseleko olongezelelweyo ngezinto ezixabisekileyo , ezifana nokuqokelela. Unokufunda kwakhona ukuba umgaqo-nkqubo wakho ubeka izinto ezibalulekileyo kuwe. Ithuba elihle lokufumana malunga nalokhu kusengaphambili phambi kwelahleko enkulu
- Lungisa i-inventory yezinto ezibhalwe kwikhaya lakho nakwizakhiwo ezongezelelweyo njengesixhobo okanye izitiya zegadi
I-TIP: Ukuba ukwenza i-inventory kubonakala kunzima, thabatha ividiyo xa uhambahamba ngepropati yakho okanye uthatha iifoto uze uyilondoloze kwindawo ephephile, ngokufanelekileyo kunye neikopi kwindawo okanye kwindawo umntu onokumthemba
- Fumana ukuba yeyiphi inzuzo yokufumana ingqalelo xa kukho ukungaphumeleli kwamandla
- Qinisekisa ukuba umgaqo-nkqubo awubandakanyi okanye ukhuphe umonakalo owenzela umoya. Cela ummeli wakho we-inshorensi ukuba ahlolisise oku nawe. Ungalokothi ucinge ukuba unobunini obuqhelekileyo, wonke ummandla kunye nommandla uhlukeneyo kwaye kusekelwe kumava emabango asekuhlaleni kunye nemingcipheko, iindidi ezithile zemigaqo-nkqubo ingabandakanyi i-coverage engayi kubandakanywa kwenye indawo. Njalo ubuze malunga neepolisi zakho kunye nokuqiniseka ukuba ubuze ukuba kukho nayiphi na enye indlela yokongeza ingxelo xa kufuneka.
Akukho Ndlu? Uya Kufuneka Uhlawule Imali Yakho Imali
- Fumana ukuba umda wakho ungakanani ngeeNdleko zokuHlala ezongezelelweyo (ALE) kunye nendlela onokulindela ngayo ukukhutshwa kokusebenza. Ngexesha lokulahleka okuphazamisayo, njengomonakalo kwikhaya lakho elivela kwisiqhwithi esikhulu somoya okanye ngqabunga, ungenako ukuhlala ekhaya lakho ngelixa ulungiso lwenziwa kwindawo okanye kwindawo yakho. Le ngxelo iza kubaluleka kwiintlawulo ezinkulu. Abanikazi bezindlu abanemali yokuboleka imali baya kulindeleka ukuba bahlawule loo mboleko emva kokuba ikhaya liyakhiwa kwakhona. Iindleko zokuphila ezongezelelweyo zibandakanya izindleko ezongezelelweyo zokuphila ngenxa yokufuduka, kwaye oku kubandakanya ukuba irenti eyongezelelweyo kuya kufuneka uyihlawule ikhaya lakho lesigxina okanye iindleko eziphezulu zokutya ukuba kufuneka uchithe ngenxa yokuba unayo ikhitshi ukwenza ukutya kwakho kwithuba elithile.
Umqulu Omele Uwubuze Nge-Inqwelo Yomshuwalense Wakho
- Qiniseka ukuba i- inshurensi yemoto ibandakanya ukukhutshwa okubanzi ukuba ufuna ukukhuselwa malunga neengozi ezinokuzilimaza ngexesha lesiphango, njengento yokuwa, isichotho okanye izivunguvungu.
- Buza ukuba unemali yokuqeshisa imoto ukuba imoto yakho isichotho, okanye iphonswe yinto ewayo okanye ephaphazayo kwaye kufuneka ilungiswe. Iimoto zengozini yazo zonke iintlobo zomonakalo eziphefumlweni. Kuyinto enhle ukuba ube ne-inshurensi yokufaka indawo okanye ukulungisa isithuthi, kodwa ixesha ochitha ngaphandle kwemoto ngelixa ulinde ukubuyisela imoto yakho. Ukuba ufuna imoto yakho ngeli xesha, kunokukuhlawula imali eninzi ukurenta enye. Ubungakanani bemboleko wemali yokuqashisa, ngelixa imoto yakho ilungiswa, ayibizi ukuzongeza kwipolisi yakho.
- Ukuba imoto yakho "kwindawo yokugcina" qiniseka ukuba awuzange uyilibale malunga negalelo (okanye inyaniso oyisusiweyo ihlanganiswe) ngelixa ligcinwa. Ukugcinwa koxanduva akuyi kukhusela imoto yakho kwimonakalo emzimbeni eyenzeka rhoqo ngexesha leemvula neziqhwaba.
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Nazi ezinye iindlela zokuthintela ukuba ulungiselele ipropati yakho kunye nosapho lwakho kwiingozi ezinzulu zemozulu :
- Ukukhusela nayiphi na into engayiqhotyoshelwanga kwipropati. Ifenitshala yegadi, ukuxhoma izityalo, okanye ezinye izinto ezinokuthi zitshitshise okanye zibaleke. Ezi zinto zingenakonakaliswa kuphela kodwa zingaphinde zinyuka kwindawo yakho kwaye zenzakalise umntu okanye zonakalise ipropati yabantu. Umgaqo-nkqubo we-inshorensi yomnini wendawo uquka ukukhutshwa komntu onokuziphendulela kwiimeko ezifana nale, kodwa kungcono ukuthatha amanyathelo nokuphepha ezi ziimeko ngokulungiselela kwangaphambili
- Ukugcina umhlaba kunye nemithi kwipropati yakho ukuphepha amagatsha nemithi ukuba ingawa kwizakhiwo okanye izakhiwo ezongezelelweyo, izicingo, imoto, iinqwelo okanye i-powerlines
- Ukukhusela nayiphi na i-liquids ezinokutsha okanye izinto ezikhuselekileyo kwindawo
- Gcina amaxwebhu abalulekileyo kunye nezinto ezixabisekileyo kwiindawo ezikhuselekileyo
- Lungiselela intsapho yakho ngokwenza isicwangciso sokhuseleko kwaye uqinisekise ukuba unika ukutya okukhawulezileyo, amanzi, kunye nekiti yokunceda. Ungalibali ukuquka isicwangciso sokugcina iintsapho zakho ezifuywayo zikhuselekileyo kwinkqubo.
- Gcina inomathotholo esebenza ngebhetri ukuvumela ukuphulaphula izilumkiso zemozulu kunye neendaba malunga nento eyenzekayo kwindawo yakho
- Lungiselela izibane kunye neebhetri
- Faka umtshini we-carbon monoxide ekhaya lakho
- Beka imoto yakho kwigalaji okanye kwindawo egubungelwe ukuphepha izinto ezindizayo kuyo okanye ngaphezulu kwayo
Ukulimala Kwempahla Emva Kwesiqhwithi kunye nokwenza isimangalo
Ngokukhawuleza emva kwesiphango esiphezulu okanye iqhwithi, uya kufuna ukuhlola ipropati yakho, qi ni sekise kwaye ulandele izikhokelo zokuphepha zento oyenzayo emva kwesiphango esikhulu okanye isantya. Ukuba ucinga ukuba kukho umonakalo, uya kufuna ukubiza inkampani yakho yinshurensi kwangoko. Ngokuqhelekileyo, ngokulahlekelwa yintlekele kweenkampani zomshuwalense ziya kuthumela amaqela okuphendula ngokukhawuleza. Iinkampani zomshuwalense ziyingcali ekujonganeni neentlekele, zifikelela kubo ukuze zincede.
Xa i-adjuster isabelwe, baya kuza bahlole umonakalo kwipropati yakho. Uya kucelwa uluhlu lwezinto ezilahlekileyo eziza kusetyenziswa ukuzalisa ubungqina belahleko. I-inventory oyenzile okanye nayiphina iifoto okanye iividiyo ozithathileyo phambi kokulahlekelwa kukunceda uqoke uluhlu lwento olahlekileyo. Xa unabango, kunzima kakhulu, kwaye kuba nzima ukukhumbula yonke into ngokukhawuleza.
Yilapho ukulungiselela kwangaphambili kuya kukunceda ukuba uphinde uphumelele kwilahleko yakho.
Umququzeleli wakho we-inshorensi uza kuba nako ukukunceda uqonde amanyathelo ebango , kunye nokuba yintoni enokuthi inganakutyalwa. Ukuba ucele yonke imibuzo efanelekileyo phambi kwebango eliphambili kwaye uthatha i-inshurensi yasekhaya yokuphila yakho kunye neemfuno zakho, ukulungiswa kwakho kuya kuhlawula kuba uya kuba yindawo efanelekileyo yokufumana imali enkulu yokulahleka kwakho kunye nemonakalo, kwaye uya kuphephekisa umonakalo. Uxinzelelo kunye nokungaqiniseki xa ibango elibhubisayo lenzekile. Yiya kulezi zihlomelo ngaphambi kokuba umonakalo ungaphepheki ukunyaniseka ukuhlawula ngaphandle kwipokoth yakho. Ngokuqinisekileyo uhlawulela ukuba ube noxolo lwengqondo ukwazi ukuba ukhetha i-coverage efanele kunye nokwazi ukuba uya kuthini na uxanduva lwakho emva kokulahleka . Yiba nencoko kunye nommeli wakho malunga neengxelo ze-inshorensi zakho namhlanje, ngoko uhlala uphila lula xa izulu lomsindo lihamba ngendlela yakho.