Nzira Yokuzvidzivirira Sei Somudzimai weCondo Nekurasikirwa Kuongorora Inishuwarenzi
Kurasikirwa Kuongorora ndeyekushandira inshuwarisi mutengesi anogona kutenga iyo inovafukidza nemamiriro ezvinhu apo mumwe wega wega wegoverwa pfuma, semakondinium kana kambani, anotarisirwa mune zvemari kune imwe chikamu chemari yekukuvadza ku:
- the building
- nzvimbo dzakagoverwa dzeimba yacho
- kana kukuvadzwa munzvimbo dzakagoverwa
Mari iyo inobhadharwa nemuridzi wega wega inoongororwa nevanidzimba kana vadzidzisi vemakondani sangano kana sangano, ino inozivikanwa sekurasikirwa kuongorora.
Sezvo muridzi, iwe unofanirwa kubhadhara chikamu chako kuti uvhare kukanganisa.
Chii Chinonzi Loss Assessment Cover?
- Kurasikirwa kwekurasikirwa kunogona kushandiswa kuzvinhu zvinokanganisa pfuma, mutoro, kukuvadzwa panzvimbo, kana kubviswa.
- Kurasikirwa kwekurasikirwa kunogona kushandiswa kune vodha kana vashandi vekambani, kana chero muridzi weimba ane chikwata mukati mekugoverwa kwepakati peimba inotungamirirwa nekambani yemukana wekodha kana sangano reimba.
Kurasikirwa Kuongorora Inishuwarenzi paCondo Policy HO-6
Kurasikirwa kuongororwa ndeye kugoverwa kunowanikwa sechikamu che inshuwarisi yekodhiyo HO-6 uye inogona kupa kugoverwa kwemamwe marudzi ekurasikirwa apo Condo kana Home Owners Association (HOA) inokukumbira kuti ubhadhara chikamu chako chekukuvadza kusingaiti rakafukidzwa pasi pesimba rekuvaka chivakwa kana kupfuura kudarika kuripo.
Nzira Yokuwana Kurasikirwa Ongororo Coverage
Paunotenga inshuwarisi yako, unogona kubvunza pamusoro pekugoverwa kwekurasikirwa kwekuongorora. Taura nemushandi wako kana mutengesi kuti anzwisise kuti muganhu wako ndewei uye chengeta inshuwarisi yako yakawanda pane peji rako rekuzivisa peji .
Ita chokwadi chekubvunza pamusoro pekusarudzwa uye zvikanganiso pamusoro pekurasikirwa kwekuongorora kurairirwa; izvi zvinokonzerwa nekambani yeinishuwarenzi kune kambani ye inshuwarisi
Kana iwe uchangobva kutenga inshuwarisi itsva yekodha yako, townhouse kana coop, unogonawo kukumbira kuti uone ruzivo rwebinder yako ye inshuwarisi iyo iyo Condo Owner Association kana Homeowner Association (HOA) inogona kukukumbira kuti iwe upe panguva yekunyora nzvimbo yako itsva.
Nei Loss Assessment Coverage inokosha?
Kurasikirwa kwekuongorora kunobatsira kukudzivirira kubva kune zvisingatarisirwi mari yaunofanirwa kubhadhara nekuda kwekukuvara uye nyaya dzakabatana nechivakwa kana nzvimbo nzvimbo yako condo kana kugara uri chikamu che. Inobatsirawo kudzivirira iwe kana HOA yako isina kuisa chivako chivakwa chacho zvakanaka kana kuti yakatora zvakanyanya kubviswa. Apo HOA inogadzirisa kurasikirwa chaiyo nekuda kwekukuvara uye inoparadzanisa mari pakati peimba, purogiramu yako yekurasikirwa kwekuongorora kurapa ingakubatsira iwe kubhadhara izvi.
Ko Condo haina Kuvaka Inishuwarenzi Inobhadhara Dambudziko Here?
Aiwa. Vakawanda venguva yokutanga vadzidzisi vanofunga kuti hovha yavo yekuvakira HOA ichakwanisa kuvhara mari inobatanidza kukanganisa kwechivakwa uye nzvimbo dzakagoverwa. Izvo zvizvarwa zvekodha zvisingambofungi nguva dzose ndezvokuti kunyange kana kukanganisa kungave kwakafukidzirwa nehurongwa hwekuvaka chivakwa, zvivakwa zvinowanzove zvakanyanya kubviswa; saka vagadziri vedhonji vanobva vatora chikwereti chekubhadhara chikamu chavo chechibvumirano chakatarwa neongororo, kunyange kana kukanganisa pachako kuchifukidzirwa ne inshuwarisi.
Condo Building Deductibles uye Loss Assessment
Kuvaka zvigadziro zvinogona kunge zvakaderera se $ 5000, asi zvinogona kuenda kudarika $ 10,000 kana $ 50,000 zvichienderana nehushuwarenzi iyo HOA yakatora pachivakwa.
Zvakakosha kuti uzvizive pamusoro pehuwandu hwekugoverana nesangano rako rekodha rine chivako kuburikidza nekubvunza mibvunzo. Kana zvisina kudaro, iwe unogona kuguma nemamwe madhura makuru nekuda kwekurasikirwa kuongororwa.
Chii Chinonzi Kurasikirwa Kuongorororwa Pamusoro peCondo Yangu Chivharo Chebhuku?
Kurasikirwa kuongororwa pamutungamiri wako kana sangano rekushanda kunogona kushanda kune:
- zvinodaro zvichibva kumamiriro ezvinhu kusanganisira chivako pachako
- nzvimbo dzakagoverwa dzechimiro chako chikwata chikamu che
Iva nechokwadi uye ubvunze pamusoro pezvibvumirano uye zvikanganiso zvekurasikirwa kwako kuongororwa inshuwarheni yekuvhara nokuti inowirirana zvichienderana neshuwarisi yako. Aya ndiwo mazano ekuti akubatsire kunzwisisa kunzwisisa kurasikirwa uye kukupa mukana wekukurukurirana izvi neaimiridzi wako weimiridzi kuitira kuti uwane rusununguko rwakanakisisa rwehurumende yako nemamiriro ako.
Kurasikirwa Kuongorora Kuvhara Kwose Kuongororwa?
Aiwa, zvichienderana neinishuwarenzi yako inoshandiswa purogiramu yako ingasanganisira kusanganisa kana iwe usina kutenga inshuwarheni panzvimbo yengozi kana njodzi iyo kuongorora ndeye.
Semuenzaniso kana sangano reimba yekambani kana sangano rekodhi rinobhadhara kurasika kuongororwa pamusoro pako yekudengenyeka kwenyika uye inshuwarisi yako haina kuvhara kudengenyeka kwenyika, iwe haugone kuvharwa. Bvunza wako weu inshuwarisi mumiririri kuti aende pamusoro pezvakanyorwa zvekugovera kwako uye zvisarudzo. Chengeta kunyanya kukanganisa kwemvura iyo inonyanya kukonzera inshuwarisi yekodhi.
Ndeipi Iripo Kurasikirwa Kuongororwa Kubva kuCondo yako Association?
- Apo kurasikirwa kudarika chikamu chakafukidzwa pane HOA kana sangano rekodhi yemishuwarenzi
- Kana pasina ruzivo rwechikwata chekambani yeruzhinji yekurasikirwa
Kukosha kwekurasikirwa kunoongororwa uye kunogona kugoverwa pakati pevamwe vadzidzisi vemuumbi wekodha, kana mune imwe nyaya yevashandi vekudyidzana.
Condo Master Policy Shortcomings mu Insurance Insurance
Kana Mutemo Wemutemo kana Weimba Yenyika Association (HOA) inobatanidza kurasikirwa, asi kukanganisa kudarika kugoverwa kunowanikwa mushuwarisi yehuvaki yehumba, vadzidzisi vezvikamu zvega voga vanogona kutongerwa chikamu chakagoverwa chekugoverwa iyo inishuwarenzi yehurumende yakanga isina kukwana kuvhara.
Kurasika Kwekuongorora uye Deductibles
Kurasikirwa kwekurasikirwa kunogonawo kushandiswa kune iyo inobhadharwa inobhadharwa pamutemo wehutano hwekugovera. Nemhaka yokuti inishuwarenzi yekuvaka, kazhinji iyo inodhakwa yakakwirira, kana ichi ichibhadharwa mukutsvaga, muyero wacho wakaparadzaniswa pakati pevanhu vose vemuuniti.
Nzira Yokuwana Nayo Kurasikirwa Kuongororwa Pfungwa Purogiramu Yako
Kana iwe usingafungi kurasikirwa kwako kuongororwa kwepamusoro kwakakwana zvakakwana mushure mokuziva nezvekodhi yako kana kuti yeimba yeimba yevashandi yekuvaka inshuwarheni uye kubvisa zvinyorwa, bvunza kuziva kana iwe unogona kuwedzera kurasikirwa nekuongorora nekuwedzera kukubvumira . Iwe unogonawo kutengesa kumativi ose kuti uone kana imwe kambani ye inshuwarisi ichakudzivirira zviri nani. Makambani einishuwarenzi akasiyana-siyana anopa maitiro akasiyana-siyana einishuwarenzi inochengetedza maererano nemararamiro ako Izvi zvinoshandiswa pakurasikirwa kuongorora zvakare.
Iyo inishuwarenzi yepamutemo inogona kunge yakakwanira iwe, asi iwe unogonawo kutoda kupera kwekupedzisira. Nzira yakanakisisa yekuwana nayo ndeyokukurukura zvingasarudzwa neinishuwarenzi yemumiririri kana mutengesi. Kana yako kambani yema inshuwarisi isingakwanisi kukubatsira iwe, uye iwe unowana kuve nani pane imwe nzvimbo, unogona kufunga kubvisa mitemo yako kuti uwane ruzivo rwaunoda; iwe haufaniri kumirira kuti iwe uvandudzwe zuva rokuchinja inshuwarisi yekambani .
Zvikamu zveCover pamusoro peCondo Politi: Kurasikirwa Kuongorora
Inishuwarenzi mitemo ine mimwe mitemo yezvakawanda zvekuvhara, zvakadai sekuzvishongedza kana kuunganidza uye pamwe nekurasikirwa kuongororwa pamutemo wako weCondo. Iva nechokwadi chokuti uone kuti zvipi zvako zvaunosvika, uye onawo kana kune muganhu wekuongororwa pamusana pokudhakwa.
Nemhaka yokuti tenzi umwechete condo kana kuti HOA mutemo yakasiyana, zvido zvako zvekurasikirwa kwekuongorora kuongororwa zvichabva kune rudzi rwekugoverana kweCondo yako sangano kana HOA iri pane chivakwa. Iva nechokwadi chokuti unoziva nezvekuvhara kwekuvakwa kwako nesangano uye kuti iwe wakachengetedzwa zvakanaka nemutemo wako pachako. Usazombovimba neshuwarisi yekodhi yekuchengetedza iwe zvizere. Nhengo imwe neimwe kana kuti muridzi wemugove anofanira kuva neinishuwarenzi yavo pachavo, izvi zvichabatsira kudzivisa mari yakawanda uye zvishamiso.