Zuva Dutu, Dutu reTsika uye Mvura Inokuvadza. Uri Akafukidzirwa Here?
Funga kuti muna 2015 Mafunguro echando anokonzera inokwana $ 3,5 biliyoni muhutori hwekusimbiswa maererano neMunich Re . Sezvo mamiriro emamiriro emamiriro okunze achichinja kuunza mhirizhonga kune dzimwe nzvimbo dzisingambooni basa rakakura rechando, rinodaro nekuda kwechando mhepo inokuvadza inogona kuwedzera.
Iwe Unobhadharwa Kwechando Mvura kana Mvura Inokuvadza Here?
Nenzira yakanaka, varidzi vembavha vakawanda vanochengetwa uye vanogona kubvunzurudza kana vachichengetedza kukuvara kubva munguva yechando, mhepo inonaya kana kutonhora. Zvichienderana nemhando yehutano iwe unahwo, huwandu hwehuwandu hwehuwandu uye hukuvadza hunokonzerwa nemamiriro ekunze, kusanaya kwechando, kunokonzera kana kutonhora kunogona kuvharwa uye iwe unogona kuwana rubatsiro nekubhadhara pamarasikirwa kubva kune inshuwarisi yako.
Ndeapi Mamiriro Ehutano Akafanana Akaparara neInishuwarenzi?
Zvikonzero zvinonyanya kukosha zvechando chemhepo kana kuora kwemamiriro okunze zvinosanganisira:
- Chimvuramabwe Kuparadzwa
- Dombo Rekuparadza
- Kuparadza Kwemvura
- Sewer Back Up
- Kusvuta Pipes
- Miti Yakakoromoka - Pane zvikonzero zvizhinji zvekuti muti unogona kuwira, uye kana kwete kana kukonzera kukanganisa pfuma kunokosha kune chinangwa chokubhadhara kudai. Mitemo yakasiyana inopa mhando dzakasiyana dzekugovera.
- Dhairi dzemvura dzinoumba padenga
- Kurema kwechando nechando padenga rinokonzera kukanganisa
- Mhepo inokanganisa (Icho chinogona kusanganisira miti yakawa uye shingles kana zvidhinha dzinobhururuka kubva pazvivako nedenga reimba)
- Kurasikirwa kana kusununguka pamusana pekukundikana kwesimba (izvo zvingasanganisira kurasikirwa kwezvokudya, zvichienderana nehuwandu hwematongerwo enyika)
- Mafashamo nokuda kwechando chechando, tsvina inononoka, kana mvura yakawanda
- Mvura inopinda mumba. Izvi zvingave kana zvingave zvisina kufukidzwa zvichienderana nekukanganisa kwave kuitika. Nguva dzose danai kuti muone kuti mungakodzero yei.
Kunyange zvazvo zvisingaiti zvose zvinokanganisa zvakafukidzwa nehurumende yemainishuwarenzi, zvizhinji zvezvinhu zviri pamusoro apa.
Icho chikuru kunze kwemazano akawanda ndekukuvara kwemvura. Kuparadzwa kwemafashamo hakuwanzo kuvharwa nekambani yveshuwarisi yemhuri muUnited States; unogona kuwana zvakawanda pamusoro pemvura inshuwarisi inowanzobvunzwa mibvunzo pano.
Zuva Rokunze Rinogona Kukuisawo Pangozi Yokuva Nekutambudzwa: Kuda Mhosva
Isu tinowanzofunga nezvengozi dzekukuvara kumisha yedu, asi kunewo njodzi inokosha yokuti kana iwe usingachengetedzi pfuma yako , vamwe vanhu vangakuvadzwa uye vakuitirei mutoro. Imba yako inshuwarisi inosungirwa mhosva .
Nhanho yekutanga munhu anofanirwa kutora ndeyekutaura neavo pachake inshuwarisi yekambani, kunyange iwe uchifunga kuti kukuvadza kana kukuvadza hakusi kukanganisa kwako. Kambani yeInishuwarenzi inogona kubatsira kupa mazano pamatanho anotevera uye kubatanidzwa kuti akubatsire.
Makambani eInishuwarenzi anobatsira nedzimwe nyaya yepamutemo uye yepamutemo yekuchengetedza mari kana zvichidiwa sechikamu chechikwereti chikamu che inshuwarisi yako mumatambudziko mazhinji pamwe chete. Tora kushandisa mabasa avo, izvi ndizvo zvaunobhadhara kambani ye inshuwarisi ye: kukubatsira iwe!
Inishuwarenzi yeChitsinho Chekudaidza uye Basa Rako
Pakupinda mubvumirano nekambani ye inshuwarisi, inozivikanwawo senheyo yako, wabvumirana kuchengetedza kuti vazive mamiriro ezvinhu angaita kuti ave nemhosva.
Usaedza uye kugadzirisa nyaya yacho iwe pachako, pakuita iwe unogona kuumba dambudziko rako pachako rinoparidzirwa. Mumiririri wako wehushuwarisi ari munzvimbo yakanakisisa yekutsanangura kuti iwe wakavharwa sei uye zvavanozoita kuti akubatsirei mumamiriro acho ezvinhu.
Mienzaniso yeZvino Zvimwe Zvimwe Zvinetso Nezvokudaidza
- Pakuvadzwa kwezvinhu kune vamwe. Semuenzaniso, muti unowira padanda remuvakidzani wako kana kumba.
- Kukuvara komunhu oga: munhu anonyora tsamba anouya kuzotakura purogiramu uye anonyorera pamusoro pevha pawendo rako. Iwe unofanirwa kuita zvakanakisisa panguva yemadutu kuti uchengetedze zvikwapu zve-iced uye zvakajeka zvechando kuti usazvikuvadza iwe pachako nevamwe.
- Chando kana chando pamusoro pedenga reimba yako kamwe kamwe chinoparara pasi pamotokari yakamira, kana munhu anofamba pamba yako uye achikuvadza. Iyi ingozi yakaipisisa, ndicho chikonzero nei zvichikosha kubhadhara kuunganidzirwa padenga rako uye kutora matanho ekudzivirira mushure mekunge dutu.
Zvaunofanira Kuita Kana Une Zuva Rokukuvara Kwemhepo Kuita Chirevo
- Usamirira kana ukacherechedza kukanganisa kweimba yako, tumira shamwari yako inshuwarisi nokukurumidza. Mazhinji makambani einishuwarenzi ane nhamba dzemaawa makumi maviri nemaviri dzinogona kukubatsira mune imwe nguva.
Inishuwarenzi haifaniri kuvhara zvishoma nezvishoma, saka uchisiya zvinhu kusvikira mushure zvingakutengesa mari yakawanda, uye zvingatotadza kukonzera kumwe kukuvadza kwaisazofukidzwa uye iwe unoti unogona kurambwa .
Mvura Inouya Muimba Yako? Dana Your Insurance Company!
Kazhinji kana iwe uine njodzi inenge ichiitika, semvura inopinda mumba mako, kambani ye inshuwarisi inogona kuva yakakosha nokuti pakarepo pavanenge vanyeverwa vanogona kutumira vashandi vekukurumidzira kuti vakubatsire kuchengetedza zvimwe kukuvara. Shandisa mazano ose nemabasa ako inshuwarisi kambani inogona kupa panguva yekudaidzira. Iwe haufaniri kutarisana nemamiriro acho oga.
Mune zviitiko zvizhinji, nekuda kwehuwoni yechipupuriro nemakambani, uye makambani akasimudzirwa ehushuwarisi makambani ane makambani ekukurumidzira nevanopa rubatsiro, vachienda nekambani yenyu yeinishuwarenzi vachakubatsira iwe pakarepo. Kana iwe ukaedza uye ukasangana nekontrakisi iwe pachako kana shure kwemaawa, iwe ungasave uri pamusoro pekunyora kwavo. Ipa kambani yako ye inshuwarisi mukana wekutora zvinhu kugadziriswa nevadzidzisi vane ruzivo nokukurumidza sezvinobvira.
Kuchengetedza Zvimwe Zvakaipa
Paunenge uchimirira kambani ye inshuwarisi, iwe une dambudziko rekudzivirirazve kumwe kukanganisa. Muchiitiko ichi, unogona kuedzwa kuti utore zvinhu uye uzvikanda kure, kana kuti uende zvinhu. Usati waita izvi tora maminetsi mashomanana kuti utaure zviri kuitika. Inogona kuva yakakosha zvikuru apo kambani ye inshuwarisi inobvunzurudza kudai.
- Tora mapikicha kana vhidhiyo pakarepo paunoona kukanganisa, saka iwe une izvi zvakanyorwa.
- Kana iwe uchida kutora danho rekudzivirira kudzivirira zvimwe zvinokuvadza , chengeta chero risiti uye marekero emari ipi yaunoshandisa.
Nzira Yokuita Mhosva uye Ibhadharwe Kubhadharwa Kwemhepo yeSvondo uye Mvura Inokuvadza
Pasinei nemamiriro acho ezvinhu, chero nguva paunoona kukanganisa kweimba yako kana imba, kana iwe unopomerwa kuti uri mutoro wekukuvadza kune vamwe, unofanirwa kuonana nemumiririri wako weu inshuwarisi pakarepo. Vachakutungamira kuburikidza nekugadzirisa kuchengetedza zvido zvako uye kukuzivisa iwe zvakaputirwa.
Tsvaga kuti chii chiripo chingawanikwa kuti uzvidzivirire uye kana iwe usina, ita shanduko inofanirwa purogiramu yako yemusha kuti uwane mukana wepamusoro weimba yepamusoro inogona kuitika mune ramangwana. Nekuchinja mamiriro ekunze iwe unogona kunge uri pangozi yekukuvara kwakanyanya kwaunogona kunge usati waiswa pasi.
Nekugadzirisa zvishomanana uye chirongwa chakanaka chekugara kumba kwechando nekudzivirira, unofanira kunge uchikwanisa kuchengetedza imba yako yakachengeteka kubva pakukuvadzwa kwemhepo, uye kana iwe une mvumo, tora rubatsiro rwaunoda kubva kune kambani ye inshuwarisi saka iwe usingaiti kurasikirwa nemari uye kubuda pamusoro.
Mienzaniso yeDambudziko rekukuvadza kudengenyeka
'Muti Womuvakidzani Wangu Wakawira Panda Yangu, kana Imba Yangu! Ndinoitei? '
Nyaya inowanzozivikanwa pakati pevakidzani ndeye apo kukanganisa kunowanikwa mumiganhu yepfuma. Muenzaniso wemuti wakazara. Matavi anogona kuwira ndokurova imba yomuvakidzani, fence, kana garaji. Dzimwe nguva miti inowira pamusoro pemigwagwa uye inorova motokari yemuvakidzani.
Taura nekambani yako ye inshuwarisi pakarepo kuitira kuti ivo vakubatsire kuziva kana iwe unogona kuwana mhirizhonga kubva kumuvakidzani wako uchishandisa nzira dzakakodzera. Iwe haufaniri kutonga nyaya idzi chete. Vachakwanisa kukubatsira iwe kutarisira mamiriro acho ezvinhu uye kukudzosera pane nzira.
Zvinokuvadza kuDhoo Dzako
Kune dzimba dzakabatanidzwa, kana kuti dzisina kudzivirirwa, zvinokanganisa padenga kana mukati memadziro zvinogonawo kuyambuka mitsara yemigwagwa. Kubatsirwa kweyanyanzvi mumamiriro ezvinhu aya, kufanana neavo vekambani yenyu ye inshuwarisi, iri mune zvaunofarira. Iwe une doro sechikamu chekambani yako yeinishuwarenzi kuti uite kuti vazive chero nyaya kana kuti zvingareva zvingaitwa pamusoro pako.
Zvaunofanira Kuita Kana Iwe Usingazivi Kuti Ndiyani Anotarisirwa Mukuda
Munyaya iri pamusoro, somuenzaniso, muvakidzani wako anoda kuonana nekambani ye inshuwarisi uye iwe unoda kutaurirana newe. Izvi zvichaita kuti mamiriro ako aite. Iwe hausi woga mumamiriro ezvinhu aya.
Chero nguva chero ipi zvayo iwe uine mhosva yaunouya pamusoro pako, unofanirwa kudana nekambani ye inshuwarisi kuitira kuti iwane rubatsiro, ndicho chikonzero iwe unofanirwa kubhadhara .