Mhepo ine mhepo ine dutu guru rinoumba pamusoro pemvura uye inoita nzira yavo kupinda mumhenderekedzo yegungwa. Dutu remhepo rinotangira kubva munaJune 1 kusvika kuNovember 30 muAtlantic uye May 15 kusvika kuNovember 30 muEastern Atlantic. Munguva ino, vazhinji vemhenderekedzo yepaimba neimba vanozvidya mwoyo nezvekukuvadzwa kunobva mhirizhonga uye izvo zvingave kana zvingave zvisingagoni kuvharwa neshuwarisi yavo.
Kubhadhara nokuda kwekukuvara mushure memhepo ine dutu kunoda kuti uwane inshuwarheni yakarurama kare.
Zvaunofanira Kuziva Nezve Hururuko Kukuvadza uye Kuisa Imba Yako
Muchikamu chino, tichazadza mibvunzo inowanzobvunzwa pamusoro pekukuvara kwechimvuramabwe uye kukanganisa kwepfuma pamwe nekusiyana pakati pehutano hwehutano hwemusha uye mafashamo nemhepo yekuvhuvhuta inofanirwa. Munyika yose, tine hukama kune mamwe mashoko pamusoro pemisoro kana uchida mamwe mashoko. Kana iwe une dambudziko rekukuvara uye uri kuedza kuziva kuti ungaita sei kudai uye chii chingave chakafukidzirwa, chinyorwa ichi chinogona kushandiswa senzira iri munzira. Iwe unogona kunge usingadi mashoko ose pano nhasi, asi iwe unogona kudzokera shure apo iwe unotenga inshuwarisi kana kutarisana nekutaura kwako, sezvo nhamo huru inowanzotora nguva yekugadzirisa uye mibvunzo yakawanda inogona kuitika mukugadzirisa. Iwe unogona kudzidza zvakawanda pamusoro pezvaunotarisira mune chirevo chikuru pano .
Ko Muchengeti Wechipinda Achagadzirisa Mhepo Inoparadza Hurricane?
Muridzi weimba inotarisa zvinhu zvakasiyana zvekukuvadza kumba kwako kunokonzerwa nedutu , dzimwe dambudziko rinoparadza rinogona kuvharwa, zvisinei, kakawanda pamusana pemhando dzekukuvadza dutu rinogona kukonzera, vanhu vazhinji vari munzvimbo inopisa mhepo ine simba vanoda zvinopfuura rimwe chete kuvhara mhirizhonga.
Zvingave iwe wakavharwa kana kwete kubva pane:
- rudzi rwekuparadzwa
- kuti yakabviswa sei
- rudzi rwekuchengetwa kweimba yeimba yaunotenga uye kwaunogara.
Nzvimbo Dzakakwirira-Nengozi uye Zvibvumirano Pamusoro
Imba uye zvivako zvakadai semapurogiramu munzvimbo dzakanyanya ngozi zvinowanikwa zvakasiyana-siyana kune dzimwe nzvimbo dzinoonekwa sedambudziko risina. Zvichienderana nekunogara kupi, imba yako, renter kana kuti purogiramu yekodha inogona kuvhara zvimwe zvepfuma yako kubva kune zvinokuvadza zvinokonzerwa nekukuvadzwa kwemhepo ine simba, asi nzvimbo dzinowanikwa nemupupuri (uyewo matutu) inogona kunge isina kubatwa nemhepo iyi kukanganisa, kana kuti zvingada kuti iwe uwedzere kubvumidzwa kwekugoverwa kwemhepo.
Mukuwedzera kune kusiyana kwehuwandu hunotungamirirwa nehurumende kana nzvimbo yaunogara mairi, chimwe chinhu chakaoma pamusoro pemhirizhonga ndechekuti dzinokonzera mhando dzakasiyana dzekukuvadza, saka kwete zvose zvinokuvadza zvakavharwa pasi peimba yeimba yako chete uye mhinduro kune izvo zvakavharwa zvinogona ive yakaoma.
Hurricane Damage Coverage Inogona Kuda Kupfuura Rimwe Bhizimisi Inishuwarenzi Yokuchengetedza Imba Yako
Hurricane inounza nemamiriro ezvinhu akawanda ane ngozi anokonzera kukuvara kweimba kubva kune zvakasiyana-siyana. Kunyange zvazvo vanhu vachiwanzozvidya mwoyo pamusoro pemhepo inoparadzwa nemupupuri, kukanganisa kunogona kuitika kubva mumvura kunogona kuva kwakaipisisa.
Nemhaka yeizvi, zvakakosha kufunga nezvemhando dzakasiyana dzehuwandu hwaunoda kuti uzvidzivirire pakurwisana nemhepo ine dutu. Dutu rekuparadzwa rinogona kuvharwa neinishuwarenzi munzira nhatu:
- Muridzi weimba, Renter kana Condo Insurance (Mhepo yekugadzirisa uye kushandiswa kwegungwa)
- Windstorm Coverage
- NFIP Flood Insurance uye Kuwedzera kweMafashamo eInishuwarenzi (yemisha inopfuura $ 250,000 inokosha)
Sewer Kudzorera Kumvura Kumvura Kunosangana neMafashamo seMigumisiro yeMupupuri
Kunyange zvazvo kusungirirwa kwegungwa kushandisika kunogonawo kuitika, chinokonzera kushandiswa kwegadziriro yemvura yakakosha kunokosha kuziva. Iyo inogona kuvharwa kana mhepo yekuchengetedza iri mvura inonaya uye iwe wakatenga kushandiswa kwekuchengetedzwa kwemvura. Iko kugoverwa kwakavakirwa pamashoko uye zvisarudzo zvepurogiramu yako, uyewo kuti chiitiko chacho chinotsanangurwa sei neinishuwarensi yako. Kana iri chikonzero chemafashamo, kushandiswa kwegungwa remvura kunogona kusabhadhara.
Semuenzaniso: Kana kuchengetedzwa kwegungwa remvura kunokonzerwa nemafashamo, uye iwe usina kuva nemafuta inshuwarheni, iwe unogona kunge usina kuvharwa. Iwe unogona kuwana kugoverwa kweSewer Back-Up sekusimbisa purogiramu yako yeimba yako nekukumbira yako inshuwarisi broker kana vashandi nezvekuwedzera. Kusvitsa Kudzokorora kunogona kuitika pasina mafashamo, uye munyaya iyi, inogona kuvharwa kana iwe uine kuvimbiswa.
Chokwadi Chakurumidza: Maererano neUnited Information Institute (III), pasi pe12% yeVimba Veimba Vane Mafashamo Emafashamo
Ndeapi Mhando Dzokukuvadza Dutu Rinoparadza?
Hurricane inokonzera zvakasiyana-siyana zvemarudzi akasiyana-siyana emhirizhonga. Dambudziko rinowanzoitika kumusha wako kubva kumhepo ine dutu kana mvura inopisa ichaitika kubva kune dzimwe njodzi nematambudziko akadai:
- Mhepo
- Mvura ine mvura
- Mafashamo
- Dutu rinokwira
- Tornadoes
- Sewer Back-Up
Zvimwe zvipi zvaunoita nokuda kwekuvhiringidza imba yako zvinokonzerwa nehutachiona hwekuchengetedzwa uye zvinetso zvichaitika:
- ine muganhu kana chikwata chapamusoro chinowanikwa
- ichava pasi pekudhakwa. Iyo deductible ichasiyana-siyana zvichibva pane zvinyorwa zvinoshanda kune iyo inonzi yakanganisa. (Tinokurukura dutu rekutsvaira muzvinyorwa zviri pasi apa).
Hurricane Windstorm Kukuvadza paIndaneti Inishuwarenzi muZimbabwe dzakasiyana
Kunyangwe iwe ungave wakafukidzwa nemutemo weimba yepamutemo wemhepo yekuvhuvhuta mhepo, mune mhepo ine mhirizhonga yaunogona kunge usingave. Zvinonyanya kukosha kubvunza vashandi vako kana mutengesi pamusoro pekuti mitemo yako inokufukidza sei uye zvinorevei, zvinodhevedzwa uye zvisarudzo zviri.
Mhepo Inopisa Deductibles
Sangano rinovhara mhepo inoparadza mhepo inoparadza kana kuvimbiswa kwakavhara izvi kunogonawo kuve kwakasiyana zvakasiyana nedare rako rekutanga.
Maererano neUnited Information Institute (III), aya anotevera ndeaavo vanogona kutengesa mari yakakonzerwa nedutu remhepo: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas neVirginia.
Hurumende imwe neimwe ine nzira dzakasiyana-siyana, zvisarudzo zvekugovera, zvisingawani uye kuwanika kwekugovera. Kana uchida kubhadharwa zvakanyanya kuti uite mhepo inokuvadza inogona kuitika kubva mhirizhonga, iva nechokwadi uye uone kuti ungaitora sei kubva kumumiririri wako.
Periods Periods uye Windstorm Insurance
Paunotenga dutu remhepo, iwe unogona kutarisana nenguva 15 yekumirira. Iva nechokwadi uye ubvunze kana kugoverwa kuchiitika mushure mekutenga mutemo.
Mienzaniso Yeimwe Miti Inogona Kuda Sangano Rinowedzera Mhepo yeEngururu
Pamusana pokuva munzvimbo dzakakwirira, nyika dzakawanda dzinosarudzwa pamutemo weimba yepamutemo wekuparara kwemhepo, izvi ndezvimwe nzvimbo inofanirwa kutarisa mukutenga mhepo yekuvhuvhuta dutu kuti dutu rine dutu rakavharwa:
Alabama, Connecticut, Delaware, Florida, Georgia, Louisiana, Maryland, Massachusetts, Mississippi, New Jersey, New York, Rhode Island, South Carolina, Texas, Virginia.
Tenga Munharaunda Kuti Uwane Inishuwarenzi Yepamba Nemhepo Inowanikwa
Kana iwe kambani yako ye inshuwarisi isingaiti, tenga uchitarisa uye ona kana imwe kambani yveshuwarisi munzvimbo yako ingati igovera. Izvi zvinogona kukuchengetedza mari. Iwe unogonawo kukwanisa kutenga imwe mhirizhonga yemhepo mune dzimwe nyika (ona mienzaniso iri pamusoro). Kana iwe usina chokwadi, unogona kutaura nehofisi yako yehurumende inshuwarisi commission uye ivo vachakwanisa kukubatsira kuti uone zvaunogona kuita.
Inishuwarenzi yeHurricane Kuparadzwa Kunokonzerwa Nemafashamo
Kana nharaunda yako inobatanidzwa muNational Flood Insurance Program (NFIP), unogona kutenga inshuwarisi yemvura kuburikidza neNFIP. Iwe unogona kukumbira mudzidzisi wemuishandisi wemusha wako kuti uwane ruzivo kana kutarisa urongwa hwemunharaunda yeNFIP dzemunharaunda.
Inishuwarenzi yemafashamo inogonawo kuwanikwa kuburikidza nemakambani einishuwarenzi. Kunyange zvazvo mutemo weimba yepamutemo unobatanidza mamwe marudzi ekukuvadzwa kwemvura, mutemo weimba yepamutemo haafaniri kufukidza mafashamo, unofanira kutenga kugoverwa zvakananga. Dzidza zvakawanda pamusoro pemhando dzakasiyana dzemvura yekukuvara .
Unogona Kutenga Hurricane, Mhepo Yakasviba kana Mafashamo Akakodzero Pamberi Pemupupuriro?
Makambani einishuwarenzi angasima kwenguva pfupi kutengesa njodzi yemhepo inokonzera mhirizhonga isati yasvika. Izvi zvichatsigirwa nekambani yeInishuwarenzi, asi kana uine maawa anenge 48 isati yasvika dutu rinotarisa, zvingave zvisingakwanisi kutenga kutenga.
Kunyange kana iwe uchitenga kuvhara mberi nguva isati yasvika, dutu remitambo iyi inowanzova nenguva yekumirira. Somuenzaniso, unogona kutenga inshuwarisi yemafashamo, zvisinei, pane kazhinji nguva yekumirira kwemazuva makumi matatu kutara kwako kusati kwaitika, saka kana iwe ukamirira kusvikira dutu kana mafashamo ari kuda kuitika kuti aedze kutenga kutenga, uchave uri kunze hwemhanza yezvimwe zvinokuvadza zvinouya.
Mafashamo Akawanda Sei Inishuwarenzi?
Zvikwereti zvemishonga yehupfumi yemvura zvinotarisirwa nehuwandu hwekusimudzira uye nzvimbo yauri kugara. FEMA inopa ruzivo pamusoro pemvura inoputika, kupi uko kutenga kutenga nekubhadhara mari kuburikidza ne FEMA Flood Map Service Center. Ichi chinogona kuva chinhu chinobatsira zvikuru kuwana ruzivo rwakananga kwauri,
Nzvimbo iyi inopawo kuongororwa pamusoro pemari yemvura inishuwarenzi munzvimbo dzakasiyana-siyana kukupa pfungwa, inewo mazano anofadza uye chokwadi, sa25 muzana yemisha ine mafashamo inoti gore roga roga iri munzvimbo dzisina ngozi.
Zvimwe Zvimwe Zvokushandisa Zvokushandisa: Zvinodhura zvekufambisa uye kuendeswa kune imwe nguva pamba panguva yekugadzirisa
Kana imba yako ichiitwa isina kugaramo mushure mekunge dutu, iwe unogona kuwana pane imwe nzvimbo kuti urarame apo imba yako iri kuvakwazve kana kugadziriswa. Zvinotarisirwa kurarama pane imwe nzvimbo zvingave zvakaputirwa ne inshuwarisi yako, saka iva nechokwadi uye chengetedza mazamu nemagwaro zvakabatana nemari yako kana iwe ukakwanisa kubhadhara kubhadhara kwako chaiyo .
Mvumo yeimba yekumba inowanzobatanidza kugoverwa kweZvino Zvimwe Zvokushandisa Mari (ALE) mushure mekurasikirwa kwakafukidzwa. Chinokosha apa ndechekuti kuitira kuti mari yekuwedzera yehupenyu ibhadharwe, chikonzero chekutsvaga uye chinokonzera kukanganisa kwakaita kuti imba yako isagaridzwe inofanira kuvharwa uye kwete kuiswa kunze kwehutano hweimba yako.
Mienzaniso Apo ALE Inovharwa uye Isina Kuzadzwa Nemafashamo Inishuwarenzi
Kana iwe ukadzingwa nekuda kwemafashamo, somuenzaniso, uye ugova nehupfumi kuburikidza neNFIP, ipapo kunyange iwe uine chiziviso chemafashamo, iwe haungave wakafukidzirwa nokuda kwekuwedzera mari yekushandisa.
Zvisinei, maererano ne3, Kuwedzera kweMafashamo eInishuwarenzi kuburikidza nevanomwe vadziviriri veimba dzinochengeterwa mari dzinodarika madhora 250 000 kana munharaunda dzisina kushandiswa neNFIP dzinopa kupa mari yekuwedzera mari yekushandisa.
Inishuwarenzi yakanyanya Kupfuura yakawanda inowanika kuburikidza nevanomwe vadzidzisi vehurumende uye inogona kuwanika iwe kuburikidza nemudzidzisi wemusha wenyu inshuwarisi kana kambani. Bvunza vashandi vako ve inshuwarisi kana kuti mutengesi pamusoro pezvokugadzirisa.
Inishuwarenzi Inobhadharwa Zvakadini?
Mari yakawanda inobhadharwa mumushumo weinishuwarenzi inotsanangurwa nemiganhu uye zvitsva zvinyorwa zvakanyorwa pane yako inshuwariti yekuti kuzivisa peji kana kuti muchidimbu. Zvaunenge uchida kuita kuti uwane mari yacho zvichafungisisawo zvimwe zvisiri izvo kana zvikwereti zvakakwana zvemishuwarenzi zvakanyorwa mumashoko ezvematongerwo enyika.
Somuenzaniso, kana iwe uchida kuvakazve imba yako mushure mekukuvara kukuru , iwe uchada kuva nemari yakakwana ye inshuwarisi panzvimbo yekugara kuitira kuti uwane mari yako inotora mari. Zvichienderana nezvakaburitswa zvakakonzera kurasikirwa, iwe unogona kunge wakagadzirirwa zvakasiyana-siyana kufungisisa.
Iwe unofanirwawo kuzivikanwa nemiganhu inokosha ye inshuwarisi pamutemo wako. Tinotsanangura zvakawanda pamusoro pemiganhu inokosha ye inshuwarisi apa .
Mienzaniso inokosha uye kunyange zvingabvumirwa zvinogona kushandiswa kune zvinyorwa uye zviri mukati memusha wako, pamwe chete nezviduku zviduku zvinowanzobatanidzwa mumba mako inshuwalense yemhuri semakano, midziyo yemitambo, mabhasikoro , mabhazi maduku kana kunyange makotoro egorofu.
Kudzokorora Mari nezviripo Zvechokwadi Cash Value yeInishuwarenzi Zvipo Zvokubhadhara
Pakupedzisira, chimwe chikonzero chekuti iwe uchabhadharwa zvakadini mukutsvaga nderudzi rwekuparidzirwa kwaunako . Kana iwe uchitenga pfuma yako yega kana imba yemishonga inshuwarheni, unogona kuva nemari yakashandurwa sechikonzero chekutaura kugadziriswa, kana kuti chaiwo mari inokosha. Mamwe makambani anototanga kupa mvumo yekugadziriswa inoshandiswa kana kusarudza mari.
Mutemo wega wega une mamiriro akasiyana, somuenzaniso, mune zvakaitika mumvura inoshuwarenzi, iwe unogona kunge uine huwandu hwekutengesa mari mumba mako. Izvi zvinoreva kuti inishuwarensi ichabhadhara mari yekuvakazve imba, asi, muNFIP, kugoverwa kwezvinhu zviri mukati kunogona kungova mari chaiyo yemari (ACV). ACV inoreva kuti iwe uchazongobhadharwa nokuda kwekuwedzerwa kwepfuma yeimba yako. Iwe haungagamuchiri mari yakakwana kuti ushandise zvinhu zvawakarasika.
Nokuti Hurricane inokonzera zvakakura zvakasiyana-siyana zvekukuvara, uyewo nokuti kune marudzi akasiyana emitemo iyo inogona kana kuti isingakwanisi kubhadhara nekuda kwekukuvadza kunokonzerwa nemhepo ine mhirizhonga uye zviitiko zvine chokuita nemupupuri, zvakanakisisa zvekutengesa ndekushandisa ruzivo pano semutungamiri kuti uende kuenda kune wako inshuwarani uye kubvunza mibvunzo yakakosha kuti uve nechokwadi chokuti iwe wakavharwa uye uwane ruzivo rwaunoda iwe mumamiriro ako ezvinhu.