Indlela Yokugwema Ukuba Ngaphandle kweLuck kwaye Qinisekisa ukuba iBango lakho lifumana ihlawulwe
Umonakalo wamanzi ngenye yezizathu eziqhelekileyo zebango-inshorensi yasekhaya . Ngokutsho kwe-ISO, iindleko zokulimala kwamanzi yiyesi sibini sikhulu se-inshurensi yesibheno, esilandelayo umonakalo womoya kunye nesichotho . Ipesenteji yamabango ngenxa yokulimala kwamanzi iyanda, ngelixa ezinye izizathu zokulimala ziye zahlala zichanekile okanye zinciphile. Akumangalisi ukuba abantu banemibuzo emininzi malunga nomonakalo wamanzi kunye nento efunyenwe kwi-inshurensi yasekhaya, kwaye kutheni izinto, ezifana 'nomonakalo othotyelweyo' azifakwe.
Izinto ziba nzima nakakhulu xa sibheka ngaphandle. Nantsi ukuhlaziywa kweemeko zamabango okulimala kwamanzi ukukunceda uqonde, unokuklikha kwiziphi iinqununu ukuze ufumane ulwazi oluthe ngqo malunga nohlobo oluthile lokubhengezwa.
Iintlobo zeMonakalo yamanzi
Zininzi iintlobo zomonakalo wamanzi ezinokuthi zifakwe okanye zingabandakanywa kumgaqo-nkqubo wekhaya njengale:
- Ukukhutshwa ngokukhawuleza okanye ukuKhutshwa kweNgehlakalo
- Ukugcinwa kwesondlo okanye ukugcinwa kwamanzi
- Ukuphuphuma
- Umkhukula
- Umonakalo ochaphazelekayo oManzi oNxulumene neNyuvesi
Unokufunda ngokubanzi malunga nendlela okanye ukuba ngamnye umonakalo womonakalo wamanzi ukhankanywe zifakwe kwi-inshurensi yasekhaya apha .
Imibuzo eqhelekileyo: Yiyiphi imonakalo yamanzi evezwe yiNkampani yomshuwalense wasekhaya?
Kukho imibuzo eqhelekileyo abantu ababuza ngayo malunga nekhaya labo, i- condo okanye i- inshurensi ye-renter , umonakalo wamanzi, nantsi imbalwa yemibuzo eqhelekileyo:
- Ngaba ukuvuza kwamanzi kuhlanganiswe yinshurensi yasekhaya?
- Ngaba indlu yangasese ephumayo ifunyenwe yinshurensi?
- Ngaba umonakalo wamanzi ukusuka kwiphahla elikhuphayo eligqitywa yi-inshorensi?
Impendulo yokuba ngaba ezi zihlanganiswe okanye azixhomekeke kwimvelaphi yomonakalo, uhlobo lomgaqo-nkqubo onayo kwaye ukuba umonakalo wamanzi ungengozi kwaye ngokukhawuleza okanye ngokugqithiseleyo.
Umonakalo othotyelwayo umonakalo wamanzi awuqhelekanga, ngako oko nangona umgaqo-nkqubo wakho unokuba nemonakalo yamanzi, ukuba isizathu sokuba umonakalo awungekho ngokukhawuleza kwaye unobungozi, ngoko unokuphikiswa kwibango.
Yiyiphi impazamo yokugqibela?
Umonakalo othotyelwayo xa kukho into eyenzeka ngokukhawuleza emva kwexesha kwaye ibangela ukulimala kwipropati yakho. Umonakalo omncinci ngenxa yokulimala kwamanzi yingxaki eqhelekileyo xa kuziwa kwiibango zomshuwalense.
Umzekelo wokonakaliswa ngokukhawuleza kukuba xa kwenzeka into eyenza ngokukhawuleza, njengopende lokukhupha udonga luqala ngentambo encinane, ekugqibeleni isigamu sodonga singabutyhiliwe.
Ukulimala kwamanzi kunye nokuLawulwa kweNdlu eKhaya lakho
Amakhaya agcwele ama-nooks namagrannies, iipayipi, i-wiring yombane, iinkqubo zokungenisa umoya. Izindlu zakhiwo eziyinkimbinkimbi, kwaye inxalenye enkulu, iindawo kuphela esizibona kumakhaya ethu imihla ngemihla zingaphakathi kwindonga, imihlobiso, kunye neziqulatho zethu. Ngaphantsi kwayo yonke, kukho iziqalo zomsebenzi, zonke ezenza indlu yakho isebenze. Ngaphandle kokugcinwa okufanelekileyo kunye nokuqinisekiswa rhoqo kwezixhobo eziphambili ekhaya lakho, nantoni na ingaba yinto engafanelekanga phantsi komhlaba, kwaye awuyi kuze ukwazi ukuba umonakalo ubangela utshintsho lwezakhiwo okanye ubungqina obubonakalayo. Yilapho sizama ukufaka ibango. Ukuba umonakalo awukho ngokukhawuleza okanye ngengozi, kodwa umphumo weengxaki ezide ezithe zazingagqithwanga uya kuba neengxaki kwibango.
Ziziphi Iimzekelo Zomonakalo Othotyelwe?
Enye yemimiselo eqhelekileyo yomonakalo obangele ukudala ukulahleka okanye ukuphika amabango:
- Iiplumbing, ipaucets okanye iipayipi zihamba zibangele umonakalo kwiindonga, izilwanyana okanye phantsi.
- Umonakalo wamanzi obangelwa yimfucuza ephuma kwimichiza kwisiseko, okanye ngaphandle kwendawo yokuhlala evumela amanzi ukuba angene ekhaya lakho.
- Ukutshisa, iileyili, i-shingle okanye iindawo ezonakalisayo ophahleni ezibonisa iimpawu zokulungiswa okufunekayo.
- Isibongo, ukubola okanye ukubola
- Ukuthotywa kwecandelo lombane
- Ukulungiswa kakubi okanye ukungabikho kokulungiswa ekhaya
Kukunzima ukuqonda ukuba kutheni ibango liphikisiwe, kwaye esinye sezizathu ezidumileyo ukuba ibango liphikisiwe xa uzama kwaye wenze ibango into evele yabonakala ngokukhawuleza kuwe, kodwa isiphumo sento eye kwenzeka okwethutyana.
I-inshurensi isetyenziselwe ukukhawuleza umonakalo ophawuleza nengozi. Ngencazelo, ukulimala ngokukhawuleza nangokukhawuleza kuthetha ukuba nantoni na eyenzekayo, akufanele kube ngumphumo wokulimala ngokuhamba kwesikhathi.
Ngabe Inkampani Yomshurensi Ikhupha Ukulimala Kancinci?
Yilapho izinto zikhohlakele. Unako ukuqonda ukuba yintoni inkampani yomshuwalense eya kuyenza kwaye ayiyi kugubungela ngokusekelwe kwigama lomgaqo-nkqubo. Umcebisi wakho we-inshorensi, i-arhente okanye umthengisi ngumntu ongcono ukuphonononga iinkcukacha ngqo zegama lakho kunye nawe. Uya kufuneka uhlaziye iimfuno zomgaqo-nkqubo wakho kunye nohlobo lwentengiso.
Ukulimala kwamanzi angabikho kwi-Intshurensi yaseKhaya
Yonke imigaqo-nkqubo ye-inshorensi ayibandakanyi ukunxiba kunye nokukrazula, kunye nomonakalo othobekileyo, nangona kunjalo, kunokukho "ukungafani".
Umzekelo woMonakalo wamanzi adibanayo / iMonakalo yokuLawulwa kweMali
- Isibongo: Ezinye iinkampani zinokukuvumela ukuba uthenge ukuhlaziywa kwesikhunta sokulungiswa. Oku kuyahluka ukusuka kwiphondo ukuya kwimeko kunye nenkampani yomshuwalense. Kwamanye amazwe anjengeCalifornia naseTexas, abenzi bomgaqo-nkqubo baxhamla ukuba banomyinge wokukhawuleza wesikhokelo esisisiseko esongeziweyo kwimigaqo-nkqubo. Nangona kunjalo, indlela engcono yokufumana ukuba umgaqo-nkqubo unikezela nayiphi na ilungiselelo kukubuza nommeli wakho okanye umqeqeshi we-inshorensi okhutshelwe ilayisenisi ukufumanisa ukuba le nto ingafumaneka kuwe. Inokufumaneka ngokuvuma; yonke inkampani iyahluke.
Umzekelo Womthi Owela KwiNdlu Ukubangela Ukulimala Kwamanzi & Ukulimala Kwemigangatho
- Ukulandela umonakalo wamanzi obangelwayo ngenxa yomthi owela phezu kophahla kunye nokudala ukuvulwa kwamanzi ekhaya, ukuvula kunye nophahla kwalungiswa yinkampani yinshuwalense.
- Kodwa umonakalo ekhaya walungiswa, nangona kunjalo, emva kweenyanga ezimbalwa abanini bezindlu baqaphela iphunga elimnandi okanye upende oluya kufuphi nalapho ukulungiswa kwenziwe khona. Bambiza inkampani yomshuwalense ojongene nebango, kwaye bayacetyiswa ukuba kusekho umswakama okanye ngakumbi nakakhulu, isiqhumane esandula senziwe apho umonakalo ubekho. Ngezihlandlo ezingaqhelekanga, umonakalo owongezelelweyo unokuvela emva okanye ngenxa yesibango, kwaye angabanjwa. Ukuba umonakalo othobelayo uyiphumo lesibango sokuqala esibekwe, inkampani ye-inshorensi ingayifaka.
Umzekelo oPhukileyo wePipe kunye noMonakalo wamanzi
- Omnye umzekelo kukuba into ethile eyenzeka kancane kancane, njengombhobho ophukileyo, okanye itanki ephukile yamanzi, okanye ikhefu lokuhlamba umbane ngenxa (engalindelekanga) yambatha kwaye ikhwebu. Umbhobho wangempela uqobo, okanye umatshini wokuhlamba awuyi kubutyalwa. Nangona kunjalo, umonakalo obangelwa ngumonakalo ophawuleza unokuba. Ngokwenene, umonakalo obangelwayo unobangela ohlukileyo, kwaye ukuba umonakalo wamanzi obangelwa kumbhobho ophukileyo, okanye umbane udweliswe kwigama lakho njengoko likhutshwe, ngoko ke uya kuthi uhlawulelwe inxalenye yemonakalo ebangelwe.
Ukuqonda ukuba Kutheni ukuLawulwa kweMali yokuLawulwa kweMali kukhishwe kwaye Yintoni ongayenza ngayo
Okokuqala, ukuba unqatshelwe nayiphi na ibango, qiniseka ukuba ucela inkcazelo epheleleyo. Unelungelo lokuqonda ngokucacileyo ukuba yiyiphi inxalenye yomgaqo-nkqubo ongabandakanyiyo into oyicelayo.
Qonda ukuba kukho abantu abambalwa abamele inkampani yomshuwalense ngexesha lesibango, ngoko ufuna ukwazi apho isigqibo siyavela khona. Ingaba igosa lakho elikuxelele , isilungisi se-inshurensi , okanye isontraka? Umntu ngamnye udlala indima eyahlukileyo. Ungesabi ukucela ukucaciswa ukuphepha ukungaqondani.
Ukuba awuyiqondi isizathu sokuba kungagqithwanga into, kwaye ucinga ukuba kukho ithuba lokuhlaziywa kwimeko yakho, ungesabi ukucela i-arhente okanye ummeli ukuba ahlaziywe okanye umbono wesibini . Kwiimeko ezixinzelelekileyo ezifana nesibango, kuyaqondakala ukuba izinto azikwazi ukubonakaliswa ngokucacileyo kwicala. Ufuna ukuqinisekisa ukuba uyaziqonda ngokupheleleyo.
Fumana ukuba ngaba ukufihlakeleyo kuya kufumaneka kuwe kulolu hlobo lomonakalo ngokusebenzisa ukuvuma. Unelungelo lokukwazi into efunyenweyo (okanye ingafumaneka) kwi-inshurensi yakho ngokubhekiselele kwixesha elizayo. Ufuna kwakhona ukufumanisa ukuba kutheni ungenayo. Ukuba iyafumaneka kwenye indawo, cinga ukutshintsha inkampani yakho kwikamva.
Ukuba unesiqiniseko sokuthi i-coverage yakho ifanele isetyenziswe, okanye ukuba kukho into engalunganga, kufuneka uqikelele ukufumana umbono wesibini ngumbutho wezentengiso okanye umthengi okhuselekileyo oqhelana ne-inshurensi kwingingqi yakho. Inkampani yakho ye-inshorensi inakho nokuba ne-ombudsman enokukunceda ukuhlaziya ifayile yakho. Unokuqhagamshelana nomkhomishinala wakho we-inshorensi yomgaqo-nkqubo ukuze ukhokelo okanye ufake ifowuni.
Indlela Yokugwema Ukuba neNdawo yokuLawulwa kweMali yokuLawulwa
- Gcina iirekodi zokulungiswa kunye neengcali oziqeshwe ngaphezu kweminyaka ukuba wenze ukugcinwa. Oku kungabaluleke kakhulu xa kwenzeka ilahleko, kwaye kulungele ukugcina njengomninikhaya.
- Qinisekisa ukuba uyayiqonda yonke imiba ephambili kwipolisi yakho, kwaye ube nokuqonda okulungileyo kwezibhengezo, kunye noxanduva lwakho njengomninikhaya.
- Yenza rhoqo ukugcinwa kwekhaya lakho rhoqo entwasahlobo uze ubalekele ukukhusela iimangalo. Ukulungiswa kwamancinci rhoqo kuya kuphepha iindleko ezinkulu.
- Qinisekisa ukuba uthenga i-inshurensi engcono kwiimfuno zakho, kwaye ubuze malunga neenguqulelo ezingaphezulu ongayongeza ngazo ezinokuba luncedo kuwe.