Imba Yangu Yakapambwa Covered by Insurance?

"Musha wedu uripo pamusika sekutengeswa kwenguva pfupi nokuti murume wangu akaendeswa kune imwe nyika, takafamba kwemwedzi yakati yapfuura, kutengeswa kutsva kuri kutora nguva dzose kuti tivhare." Tanga tichimirira kubva muna April, uye zvino August, usiku huno, mutambi wangu akadana kuti mumwe munhu ainge aputsika mumba medu uye akabata zvose zvishandiso.Bhanji richabhadhara nekuda kwekuputsika uku here? Imba yangu isina munhu yakavharwa neshuwarisi? "

Usamirira imba isina munhu kuti iparadzwe usati waongorora inshuwarisi yako. Chinhu chiduku chinonyatsozivikanwa ndechokuti vazhinji veimba inoshuwarenzi mitemo havakwanisi kuparidzira pamusha usina munhu kwemazuva anopfuura 30 kusvika ku60.

Izvi zvinoreva kuti kana iwe wakabuda kunze kwemazuva makumi matanhatu apfuura, imba yako haichazogoni kuva inshuwarisi, kunyange iwe ungadai wakabhadhara mubayiro weunishuwarenzi yako. Izwi rokuti verbiage rinowanzo rakanyorwa zvakanaka.

Kutengesa Pfupi kana Kuzarura Misha Dzakanaka uye Inishuwarenzi

Mukushambadzira kwenguva pfupi , kazhinji bhagheni inotumira mutumiri wekambani yekuchengetedza kuti aone kana imba yacho isipo. Kunyange kana iwe ukangotamira pasi mumugwagwa, vanhu ava vachachinja mavharo uye vagozivisa bhengi iyo imba isina chaipo. Bhengi inogona kana kuti isingatore inshuwarisi yakaoma-kuwana-uye inodhura kuti iite kuti imba isina munhu. Vanotumira chikwereti kwauri.

Mhando dzeVandalism

Hazvisi zvisiri zvekugadzirira kubvisa bhokisi rekiki pakati peusiku uye kuitora kumusha kunobvisa kiyi.

Zvadaro, mbavha dzinogona kudzoka muchiedza chezuva uye kufamba mumuromo wepamberi. Vanosimudza ngoro uye usati wataura "mapurisa," vakaisa mutori nemichina yose.

Mbavha haifaniri kupinda mumusha kunokonzera kukanganisa. Mbavha inogona kushandura, semuenzaniso, iyo magetsi yemajeri epo uye A / C unit compressor unit zviri nyore nyore nokuti zvinhu izvi zvinowanikwa zviri kunze kweimba, kune rimwe divi.

Dzimwe nguva vana, kungofanana nekunakidza, vanokanda matombo kuburikidza nemapuranga epurasitiki kuti vatarise girazi rinoputika.

Mune mamwe mamiriro ezvinhu, vanhu vanoputika vanopinda mukati uye vanogadzira imba. Aya haasi rudzi rwevanhu vanounza tafura uye zvigaro uye vanoshandisa napkins. Vanowanzovata pasi uye vanokandira mabhodhoro asina mbiriso pamadziro.

Mazano Okuwana Inishuwarenzi

Sezvo uri kutengesa sekutengeswa pfupi , ndinozvitora iwe unofunga kuti kutengeswa pfupi kunobatsira kwauri kupfuura kutengesa . Zvichida iwe unoda kuchengetedza chikwereti chako kana kuve nechokwadi chokuti hapana kufanirwa kuiswa kune iwe mumasangano evanhu. Iwe unonzwika semunhu ane hanya. Kusvika pamwero uyu, unogona kutanga newaini yako yeinishuwarenzi kuti uone kuti mari yakawanda yeimba ye inshuwarisi yepamutemo inodhura.

Mari iyo inogona kusiyanisa kubva 2 kusvika ku5 muwandu wehuwandu hwepurasiti yako nguva dzose. Inishuwarenzi yepamba isina kugara inogona kuwaniswa mwedzi mumwe nomumwe. Iwe unogona kushamisika kuti sei chirongwa chinoputira imba isina chinhu chaizodhura zvakanyanya kupfuura mutemo unodzivirira zviri mukati maro asi ndeyekuti kuparadza kwakakosha zvikuru kugadzirisa.

Uyezve, kana imba yako ichiparadzirwa uye bhanhire haringabhadhara mari yekugadzirisa - uye mabhengi mazhinji haazo - mutengi angasava nemari yakakwana yekutenga imba yako - kunyanya nekwereti yeFHA - uye kugadzirisa kukanganisa.

Nzira Dzokudzora Kuparadza Zvinhu

Vanhu vanoita zvinhu zvakaipa zvakadai sekupinda mumusha wemumwe munhu vanowanzosarudza nzira yekusagadzikana. Vanoda kupindira mumba iyo ndiyo iri nyore kupinda mukati uye kumba iyo inoratidzika kuvakoka kuti vakubira. Heano dzimwe nzira dzekuodza mwoyo kuparadza:

Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.