Umshuwalense weNkcazo yaseKhaya

Intshurensi yakho yasekhaya inomhlathi ngokuphathelele isithuba; uyazi xa isebenza?

Ukuba ujongene nemeko apho inkampani yakho yomshuwalense ikuxelele ukuba ufuna imvume yemvume, okanye ukuba kufuneka ukuba utshintshe i-inshurensi yakho kuba unekhaya elingenamntu, awuyedwa. Ingxaki evamile abantu abajongene nayo, kwaye kukho iindlela zokujongana nayo. Uninzi lwabantu luyakhathazeka kakhulu xa usebenzisana nekhaya elingenanto kuba inkampani yinshurensi iguqula iimeko ze-inshurensi kwaye iqalisa ukubuza imibuzo eninzi, okanye ukucela ukuba ugcwalise imibuzo yemibuzo ngaphambi kokuba kukunike i-inshurensi.

Uya kufuneka uqonde ukuba kutheni ikhaya lijongwa njengalunamntu, kwaye qiniseka ukuba unolwazi olufanelekileyo malunga neenguqu eziza kwenzeka kwi-inshorensi yakho yasekhaya emva kokungabikho, uvumele ukuhamba malunga neziseko zezindlu ezingenamntu kunye ne-inshurensi apha ukuze Zikulungele ukwenza izigqibo ezintle zokukhusela ipropati kunye notyalo-mali lwakho ngelixa ikhaya lingekho.

Imvume Yengqesho Iingcaciso

Imvume yeZithuba i -endorsement yongezwa kumgaqo-nkqubo womnini-mali owandisa i-inshurensi yasekhaya ukuba igcinwe kunye nokuqinisekisa ipropati ngelixa lingekho. Imvume yesithuba ngokuqhelekileyo ikhutshwe ubude besikhathi kwaye iyanciphisa ukufumana ingcaciso kwi-inshorensi yakho. Ikhaya libhekwa lingenamntu kwaye lifuna imvume yemvume kwinkqubo yomshuwalense xa abemi bekhaya bengasayi kuhlala khona kwaye abanenjongo yokubuyela, okanye xa ikhaya elitsha lithengiwe lingahlali. Imvume yezithuba iyanceda ukuqinisekisa ukuba ikhaya lakho lihlala liqinisekisiwe ngexesha lezithuba.

Uya kufuneka ugcwalise i-questionnaire yemvume yezithuba ukucela imvume yemvume. Ngaphandle kwemvume yezithuba, ikhaya elingenamntu lingenakuqinisekiswa ngenxa yokungabikho kwemigaqo-nkqubo yomnini-propati kunye namabango angenakuphikiswa.

Imvume Yezithuba Zitshintsha njani Ubungqina Bomshuwalense Wasekhaya?

Kubalulekile ukuqonda ukuba imvume yezithuba iguqula inkontileka ye-inshurensi.

Imvume yezithuba iza kunciphisa iifowuni okanye ukunciphisa ukukhutshwa ngenxa yesimo esitsha sekhaya kuba iinkampani ze-inshorensi zibona ingozi enkulu xa ikhaya lingabikho. Ukuba unomngcipheko okanye ingozi evulekileyo yomgaqo-nkqubo womnini, kuya kutshintshwa. Iimvume zemvume ziyakuthi zikhawuleze ukukhutshwa kwizinto ezisiseko, njengomlilo kunye nokuphelisa iziganeko ezibalulekileyo ezifana nomonakalo wamanzi phakathi kwabanye. Ukuba awunayo imvume yemvume kunye nekhaya lakho lingenanto, ke ikhaya lakho lingenakuqinisekiswa ngokupheleleyo kwaye nayiphina ibango elenzeka ngexesha lezithuba lingavunyelwa.

Kuphi i-Home Vacant?

Inkcazo yezithuba ze-inshorensi ichanekileyo. Ikhaya libhekwa lingenamntu xa kungekho nabemi. Nangona kunjalo, kunokudideka ukuqonda ngenxa yeemeko ezahlukeneyo ezibangela izithuba. Nantsi inkcazo eqinileyo, elandelwa yimimiselo, ekufuneka incedise ukubeka intsingiselo yegama elingenamntu libe yinto ecacileyo, ngoko ke awuyikuphela kwikhaya elingaxhaswanga ngenxa yezithuba.

Ikhaya eliphumayo Inkcazo

Inkcazo yokungahlaliyo xa:

• isandula kuthengwa, okanye isakhiwo esitsha, kwaye abemi abangeke bathuthele.
• xa abemi bendlu baye bashiya kwaye abanenjongo yokubuyela, kungakhathaliseki ukuba ikhaya linikwe okanye cha, okanye isizathu sokuhamba. Umzuzwana abemi abayi kuphinda bahlale apho; ayikho.

Imizekelo Yokuba Kufuneka Imvume Yezithuba

Wonke umnikazi womnini kunye nomgaqo-condo unomhlathi kuwo ocacisa ubude bexesha ikhaya lingenasithuba ngaphambi kokuba lingagqitywanga. Imigaqo-inshurensi iphinda ichaze ukuba njengemeko yomshuwalense, i-inshorensi kufuneka icebise naliphi na ixesha kukho utshintsho lwempahla engozini. Utshintsho kwindawo yokuhlala ngenye yezo utshintsho.

Ngokuqhelekileyo, kuxhomekeke kwinkampani yakho yomshuwalense imfuneko yepemethe yezithuba ingaqala xa ikhaya libhekwa lingenamntu kwiintsuku ezingama-30. Udinga ukuqhagamshelana nommeli wakho we-inshorensi okanye i-agent ukuqinisekisa ukuba ufuna imigaqo-nkqubo yakho yomshuwalense kubakho kwinkampani nganye eyahlukileyo. Kukho iimeko ezininzi ezahlukileyo xa ungadinga imvume yemvume, ngokuqhelekileyo, yinto apho i-vacancy idibene nayo, kodwa usadinga ukuqinisekiswa kwipropati.

Ikhaya elitsha
Ukuba uthe wathenga ikhaya elitsha, ikhaya aliyize lide ungene kulo. Ngokuqhelekileyo, oku kuza kuba ngeeveki ezimbalwa zomhla wokuthenga, kwaye ke imvume yemvume ayifuni ukufunwa kuba ikhefu lezithuba liwela kwindawo eyamkelekileyo Ixesha apho ikhaya lingenanto ngokubhekiselele kwigama lomshuwalense wekhaya. Nangona kunjalo, ukuba ngaphezulu kweeveki ezimbalwa ziya kuhamba phambi kokuba ungene kuyo, kufuneka uxoxe nale nkampani yakho yomshuwalense ukuba ubone ukuba ufuna imvume yemvume. Naliphi na ixesha oya kuthengela ikhaya elitsha kwaye ungayi kuhamba ngokukhawuleza, kufuneka ucebise ummeli wethu we-inshorensi, ngoko baqinisekisa ukuba uneshuwarensi efanelekileyo.

Umzekelo: U-Christina uhamba waya eNew York ngomsebenzi wakhe, kodwa uya kudluliselwa kuphela kwiinyanga ezi-4. Ukuze afike phambili kumdlalo, waqala ukuthenga indlu kwangoko kwaye wayenenhlanhla ukufumana ikhaya elitsha eligqibeleleyo. Kwakuyinkokheli yasekhaya yokuqala ka-Christina, ngoko akazange ayiqonde ngokwenene ukuba yintoni eyahlukileyo xa yayingena kuyo. Ngenhlanhla umthengisi wakhe womshuwalense wambuza malunga nezicwangciso zakhe zokuhamba kwaye wamcebisa ukuba ekubeni engayi kuhamba ngokusemthethweni Kwiinyanga eziliqela, bafumana imvume yemvume ngokugcwalisa le mibuzo. Iindleko zazincinci, kodwa oku kukhusela utyalo-mali ka-Christina kwaye waqinisekisa ukuba wayenesiqinisekiso ngaphambi kokuba angene.

Xa iKhaya elithengiswayo
Ngamanye amaxesha abantu bathenga ikhaya elitsha baze bathuthele kwikhaya elitsha ngaphambi kokuba umntu omdala athengiswe. Ngelixa elinye ikhaya lisemarike ngenxa yokuba abemi baye bahamba bengenalo injongo yokubuyela, ngoko ke ikhaya alikho. Kudinga imvume yemvume.

• Icebiso:
  Ukuqinisekisa ikhaya lakho elidala kunye nekhaya elitsha kunye nenkampani efanayo yomshuwalense inokunika amandla angakumbi okuxoxisana kunye nenkampani yakho yomshuwalense okanye inzuzo eya kwenza inkqubo yokuqinisekisa indlu yakho engenakho lula.

Kwi-Estate okanye ngenxa yokufa kwe-Insured Primary
Enye yeemeko ezinzima kakhulu xa ikhaya lishiywe lingahlali ngenxa yokufa, kwaye amalungu entsapho kufuneka abhekane ne-inshurensi. Xa umgaqo-siseko obizwa nge-insured okanye abemi bendlu bafa, ikhaya libhekwa lingenamntu kuba umhlali akanasenjongo yokubuyela.

• Icebiso:
  Ukuba i-primary insured name insured iswelekile, kodwa amanye amalungu entsapho ahlala ekhaya, inkampani yomshuwalense ingaqwalasela ukugcina i-inshurensi yasekhaya njengomgaqo oqhelekileyo malunga nexesha elifanelekileyo xa abanye abahlali behlala kuyo yonke imihla. Ngokomzekelo, ukuba umama uyafa, kwaye abantwana abadala bahlala ekhaya, ngoko imeko ihlala yinto efanayo, ngoko ke ikhaya aliyikho i-technically vacant, umgaqo-nkqubo uya kuthi utshintshwe egameni lelifa kwaye abemi bokuba uyakwazi ukuqhubeka nokuhlala apho kubakho i-insured njengokuba babesele ngaphambi kokufa kwithuba elithile elinqunywe ngu-phantsi. Nangona kunjalo, inkampani yomshuwalense kufuneka icebise ukwenzela ukuba inokwenza utshintsho okanye nokuba yintoni umgaqo-nkqubo we-inshorensi awukwazi ukuhlawula kwibango ngenxa yokuguqulwa kwezinto ezibonakalayo engozini.

Yintoni eyenzekayo ukuba iKhaya liValiwe, kodwa akukho Mvume yeZithuba?

Ukuba ikhaya lakho lingenamntu ngokwemimiselo neemeko zomgaqo-nkqubo wakho womshuwalense, kwaye awucebisi inkampani yomshuwalense kwaye ufumane imvume yemvume, nokuba "wayengazi" okanye ubalekele ukubaxelela, unokufumana Ingxaki enkulu kuba isivumelwano sakho sichaze ukuba asifihla amakhaya angenamntu. Nangona unesibonda se-inshurensi esibonisa ukuba ikhaya lakho liqinisekisiwe, akukhathazeki ukuba akucaci ukuba unemvume yezithuba kulo. Ukuba ikhaya lakho lingenanto kwaye unabango, kwaye awuzange ube nemvume yokubangela ikhefu ukuba inqatshelwe ibango lakho, kwaye inkontileka yakho yomshuwalense inokuthi ithathwa njengeyiyo kwaye ayikho. Kumele uthethe kummeli wakho womshuwalense okanye kwinkampani yomshuwalense nayiphi na imeko xa utshintshe imeko yakho (eyaziwa njengenguqu ebonakalayo engozini) kwipropati yakho. Musa ukushiya ungaxhaswanga.

Ixabiso leMvume yeZithuba?

Ngokutsho kweNkcazo ye-inshurensi ye-inshurensi, ikhaya elingenamntu linokubhatala ngokuphindwe kabini xa lingekho ngaphezulu komgaqo-nkqubo wendawo yokuhlala. Imvume yezithuba isisombululo sesigxina kwaye siya kubandakanya utshintsho kwi-premium yexesha lemvume. Kuyakhathaza abantu abaninzi kuba bebona ukuncipha kwe-inshorensi ngexesha lesithuba, kodwa ngamanye amaxesha kukhokha ngaphezulu. Ezinye iinkampani ze-inshorensi zinokukhetha okungekho indleko, kodwa kuxhomekeke kwinkampani yakho yinshuwalense. Ukuba ubona amazinga aphezulu aphezulu, unokufuna ukuyithengisa, ngakumbi ukuba le nto ayinako isombululo ngokukhawuleza. Iinjongo zexesha elide kufuneka zifumane ikhaya okanye lidayiswe ngokukhawuleza ukuba ligcine imali kunye nokuphelisa ingozi yakho.

Kutheni i-Home Vacant iyingxaki ye-Intshurensi yaseKhaya?

Iziganeko zamabango kunye nezinto ezinokuthi zingahambelani nekhaya elingenamntu likhulu kakhulu kunezo imeko apho umntu ehlala kwikhaya elipheleleyo. Xa ikhaya lingenamntu, kukho umngcipheko omkhulu wokuba, ukuchithwa komonakalo, umlilo kunye nazo zonke iintlobo zomonakalo. Xa kungekho mntu ukhona ukuba abone oko kwenzekayo kwikhaya okanye ukuphawula xa izinto zingaphumeleli, kuyaqondakala ukuba umngcipheko uphakamileyo kumabango okanye umonakalo okwenzekayo.

Ngaba iziqulatho zikhutshwe phantsi kweMvume yeMvume?

Ukuba ufuna iimpahla ezikhuselekile phantsi kwepemethe yezithuba, qiniseka ukuba uyibhekisele kwinkampani yakho yomshuwalense, kunokukho inkokhelo eyongezelelweyo kuxhomekeke kwimeko yakho.

Ixesha elide leMvume yeMvume kwiKhaya elingenalutho Elifanelekileyo?

Iimvume zemvume zivame ukukhutshwa iintsuku ezingama-90. Inkampani nganye ye-inshorensi iya kuhlaziya isithuba ngokwemiqathango yazo; nganye nkampani iyahluke. I- inshorensi yabangaphantsi kwee- inshorensi bayakuqwalasela le meko ukuba bathathe isigqibo sokuba ngaba baya kunika indawo yokuhlala eyongezelelweyo okanye banokuxelela ukuba "baya kuphuma emngciphekweni" oku kuthetha ukuba baya kunika isaziso sokukhansela umgaqo-nkqubo wakho womshuwalense .

Yintoni eya kwenzeka xa i-Permit Permance iphela?

Ukuba inkampani ye-inshorensi ayifuni ukuqinisekisela ukuba ikhaya lingenanto, i-arhente yakho ingasikisela ukuba uye kwi-insurer enobungozi obuphezulu xa ixesha lezithuba libonakala lihlala lide kakhulu. Imigaqo-nkqubo ye-inshorensi yasekhaya ayilungelelwanga ukuqinisekisa amakhaya angenamntu, ngoko xa iimeko zengqesho zihlala ziqhelekileyo, ngokuqhelekileyo ixesha lokunyuka kwi-insurer yangaphandle. Unokuqhagamshelana neofisi yakho yomshuwalense wee-inshurensi karhulumente ukuze ufumane oko ukhetho lwakho ukuba umthengisi wakho we-inshurensi okanye i-agent ayikwazi ukukunika i-Intshurensi yasekhaya engenayo .

Indlela Yokufumana Imvume Yezithuba ze-Intshurensi yasekhaya

Qhagamshelana nommeli wakho we-inshorensi uze uxoxe ngale meko nabo. Baya kufuneka babe nolwazi oluninzi ukubonisa utshintsho kwiimeko zakho ze-inshorensi yasekhaya kubangaphantsi kweenkampani zomshuwalense ukwenzela ukuba bakwazi ukuvuma imvume yemvume. Inkampani ye-inshorensi iya kubhala ingozi kwaye kwiimeko ezininzi ziya kuvuma imvume yemvume ukwenzela ukuba unako ukugcina izibonelelo eziphambili, ezifana nokufihla umlilo, ngelixa ikhaya lakho lingekho. Kubalulekile ukubonelela ngolwazi olusemandleni kummeli wakho we-inshorensi ukuze bakwazi ukufumana iimeko ezilungeleyo kwaye uqinisekise ukuba uhlala unesiqinisekiso.

Imibuzo eyi-10 Uya Kubuzwa kwi-Questionnaire Permit Questionnaire

Nangona yonke inkampani ye-inshorensi iyahlukileyo, kukho imibuzo engundoqo onokuyilindela ukuba ibuzwe ngummeli wakho womshuwalense okanye ummeleli xa ufuna inshurensi kwikhaya elingenamntu.

1. Umhla wezithuba kunye nexesha eliza kubakho (ukuba ulwazi malunga nokuba ixesha lithuba luza kuba lungaziwa, umgcini-phantsi uya kunika ithuba leentsuku ezingama-90, imeko iya kuphinda ihlolisiswe ngokukhawuleza kweso sihlandlo ukuba ikhaya lisahlali)
2. Isizathu sesithuba (umzekelo, kungenxa yokufa, ukuthengwa kwekhaya elitsha, ukuba uhamba kwelinye ilizwe, njl.).
3. Ukuba ikhaya linikezelwa - ngaba uya kufuna i-inshurensi yenkcazo?
4. Ukuba kukho na i-alamu okanye ukhuseleko kwindawo
5. Ukuba kukho izibhengezo kwiifestile
6. Ukuba nabani na othayula iposi kunye nokugcina ipropati, ngoko ibonakala ihlala kuyo; inkampani yakho yomshuwalense nayo ingacela ukuba izithombe zepropati ziqonde kakuhle ukuba ipropati ibonakala njani.
7. Ngubani ojongene nokugcinwa kwekhaya
8. Lubuphi ubudlelwane bomntu ohambela ikhaya kwikhaya
9. Ngangaphi na umntu uza kutyelela ikhaya (umzekelo, imihla ngemihla, ngeveki, njl.)
10. Ziziphi iiplani zepropati (ukuba kuthengiswa, nini na umntu oza kuthi angene kuyo, njl.)

Le mibuzo isetyenziselwa ukukunceda ukubhala ingozi kwaye ufumane imvume yemvume.

Ilungelo leMvume liza kuthini ukutshintshwa kwintengiso yam inshuwalense?

Ukongezelela ukukhawulela ukukhutshwa okanye ukunciphisa ukuhanjiswa kwiingozi eziyintloko , imvume yemvume ivame ukukhusela i-coverage njengembopheleleko kwisakhiwo kwaye ingaqhelekanga iqulethe okuqukethwe. Ngoko ukuba ulungele ukucela i-inshurensi yasekhaya engenamntu, kuyilungileyo ukuba ulungele le ngcaciso, kwaye ungayithumela i-imeyile kummeli wakho we-inshorensi ukuba uqalise inkqubo.

Iimbopheleleko Zakho Xa Unayo Imvume Yezithuba

Xa umgcini we-underwriter ehlaziya zonke iinkcukacha, unokufuna ukuba ungeze inkqubo ye-alamu okanye uthathe ezinye izicwangciso ezicetywayo zokukhusela ipropati xa zivakalelwa ingozi. Ukuba udibana nazo zonke iimeko zabo, okanye imeko enengqiqo kwisebe elibhalwe phantsi, liya kukhupha imvume yakho malunga nobude obude obude. Ngeli xesha xa kukho utshintsho kwiimeko, kufuneka ucebise inkampani yomshuwalense okanye ungenako ukukhushulwa.

Ukuba inkampani yomshuwalense ifuna ukuhlola, yibambisana ngokusemandleni, oku kungayimfuneko kwiimeko ezithile.

Ukugcina unxibelelwano oluvulekile kunye nommeli wakho kwaye uphendule nayiphi na imibuzo engaba nayo iya kubabenza bakhululeke ngengozi kwaye baya kukunika ithuba elihle lokugcina ikhaya eliqinisekisiwe ixesha elide kunokwenzeka. Ngamanye amaxesha ukuba iintsuku ezingama-90 zihamba kwaye ikhaya lingasenamntu, kwaye isebe lokubhala phantsi kunye nommeli wakho we-inshorensi uza kuhlola imeko kwaye anqume ukuba anikezela ukongezwa. Ukusebenzisana nabo kunye noqhagamshelwano oluzayo luyakunceda kakhulu.