National Flood Insurance Program - Kutenga Inishuwarenzi

Iwe haufaniri kurarama mumakore zana emvura mafashamo kuti uwane mafishu emvura

Pasinei nokuti iwe unogara kuUnited States - ingava mugwenga, negungwa, kumhenderekedzo, mumakore ane zana emafashamo, kana kuti uri pamusoro pegomo - imba yako inowedzera ngozi. Munhu wose ari panjodzi yekufema. Mafashamo anoitika mune dzose makumi mashanu.

Ndiani Anoda Mafashamo Anishuwarenzi?

Sezvo mafashamo anokwanisa kuitika kumunhu chero upi zvake chero kupi zvako, iwe unofanirwa kufungidzira kutora mafasipirisi emvura. Hazvina mari.

Kana iwe uchigara munzvimbo yakawanda yemafashamo nzvimbo uye uchitenga imba ine chikwereti chakatsigirwa nesangano rinotengeswa nehurumende, mutengi wako anoda kuti iwe utenge inshuwarisi yemvura.

Ndeipi Kwamungaitenga Mafashamo?

Kana nharaunda yako inobatanidzwa, unogona kutenga inshuwarisi yemvura inobva kunejeri yako yeinishuwarenzi kuburikidza neNational Flood Insurance Program. Iyi purogiramu inotsigirwa nehurumende yeUnited States. Cherechedza kuti mutengesi anogonawo kugovera iyo iripo mafasimisi epurogiramu kune mutengi mutsva; iyo inoshandiswa zvakasununguka.

Idzimbadzimba Inishuwarenzi Inovhara Mafashamo Here?

Murairidzi weimba inoshandiswa muimba ye inshuwarisi haatauri mafashamo. Iwe uchada imwe yakasiyana yemvura inishuwarenzi. Zvikwereti zvako zvichange zvakanyanyisa kana imba isina kumbobvira yava nemafashamo.

Hewa nzira nhatu dzekuziva kana imba yaunoda kutenga yakave nemafashamo anoti:

• Raira RUTE RUKURU

  CHIKAMU chinomirira Comprehensive Loss Underwriting Exchange. Mushumo unopa iwe makore mashanu emakore yemhuri. Mujeri wenyu weInishuwarenzi anogona kuwana iyi murairo kwauri, unogona kutenga kopi inowanikwa paIndaneti, kana iwe unogona kuiraira pamwe chete nemushumo wehupenyu hwekukuvara. MASHOKO ECHOKUDZIDZA Nyaya dzinodhura madhora 20.

• Kumbira Kutengesa Kuzarura kana TDS

  Munyika dzakawanda, vatengesi vanorayirwa zviri pamutemo kuzivisa zvinetso zvepamberi, uye izvo zvinoratidzirwa zvinosanganisira kare kare mafashamo. Kudhinda Kuzivisa Zvinyorwa (TDS) uye Seller Property Questionnaire mafomu bvunza vatengesi kuti vaudze rudzi rwakadaro rwemashoko.

• Wana Chekuongorora Chemba

  Munhu anoongorora mudzimba anokwanisa kutarisa kuonekwa kweimba uye kutarisa zviratidzo zvekuparadzwa kwemvura kana chimu . Kazhinji, zvibvumirano zvinowanikwa pakuongorora kweimba , zvinoreva kuti vatengi, kana vasina kugutsikana nemigumisiro yekuongorora, vane kodzero yekuda kudzorera mari yavo yakasimba mari uye kubvisa mutengesi .

Iwe unogonawo kugamuchira zvikwereti kana nzvimbo yako inobatanidzwa muNharaunda yeKutarisana neMutambo (CRS).

Mafashamo Anoitika Sei?

Vanhu vazhinji vanofunga kuti mafashamo anoitika nekuda kwemhepo ine mhepo kana dutu remhepo, asi njodzi dzinongoitika dzoga haisi iyo chete dzinokonzera. Dzimwe nzvimbo dzinogonawo kuwedzera nekuda kwekumuka kwemvura yenzizi, mafashamo emvura kubva kunonaya mhepo inopisa kana kuti chando chisina kupera. Mvura zhinji, mumatauriro evanhu, pane chero kamwe-kamwe kuunganidzwa kwemvura kana dope mune imwe nzvimbo inowanzosina mvura.

Sezvatinoenderera mberi kutema miti, kuvaka zvivako zvitsva uye kuisa nzvimbo yekupaka nemigwagwa, kune ivhu rakawanda risati riripo rinogona kuwana mvura. Uyezve, dzimwe dzimba dzekugara dzinovakwa pamusoro pemasango nokuti nyika haina kutengesa. Kana mvura isina nzvimbo yakasara kunyura pasi, inokonzera mafashamo.

Imvura inonaya inogona kudurura nyore nyore tsoka mbiri dzemvura. Mumamita maviri emvura, motokari inogona kufamba.

Dambudziko reMafashamo uye Mafashamo Makore 100 Emafashamo

Chokutanga, ziva kuti kana iwe uchigara mugore remakore zana, hazvirevi kuti mikana yako yemafashamo ndeyemakore zana. Iyo izwi rinokanganisa, asi remakore zana remakore anoyerera zvinoreva kuti une mukana-mu-100 wemafashamo mune gore ripi neripi, kana kuti 1 muzana mukana gore negore.

Kumbira mushandi wako wehushuwarisi kuti atarise mafashamo emaguta enyika kuti aone kana imba yako iri mumvura inoputika uye, kana zvakadaro, tsvaga rudzi rwemvura uye mafungiro ematambudziko.

Mafashamo Akawanda Sei Inishuwarenzi?

Mubvunzo uyu ndeyekuti zvinorevei kuti usava nemafasipisi inshuwalisi. Rimwe masentimita emvura anogona kuita kukuvadza kukuru uye kumhanya mumakumi ezviuru zvemadhora kuti agadzire.

• Nzira dzeNharaunda

  Kana iwe uchigara kumhenderekedzo yegungwa, premium ichave yakakwirira. Iwe unogona kuvhara chivakwa chacho uye zviri mukati maro kusvika ma $ 250,000, pasina zvirevo zvekare, nezve $ 5,000 pagore. Kuwanikwa kweHoyer kwezviri mukati pe $ 100,000 chete inenge $ 2 200.

• Dhiyabhorosi-Mitemo

  Pasina chirevo chekare, mapeamendi anenge anenge $ 2 400 ne $ 250,000 ekuparidzirwa. Zviri mukati-chete kugoverwa kwe $ 100,000 inenge $ 1 000. Maererano nehurumende, munzvimbo dzakawanda dzine ngozi, 25 muzana yemisha inoyerera munguva yekusvitsa makore makumi matatu.

• Zvinokonzerwa Nengozi Mitemo

  $ 250,000 ekuparidzirwa, pasina chirevo chekare, ichakukomberedza ne $ 317 pagore. Zviri mukati-kugoverwa kwe $ 100,000 ndeye $ 196. Zvisinei, kana imba yacho iine mafashamo akapfuura, iyo yero ye $ 250,000 inosvika ku $ 1,251 pagore.

Ndakamhanya cheki ye White House. Iwe unogona kusunungurwa kuziva kuti uri munzvimbo ine mwero-kusvika kune ngozi. Kuti uwane kuongororwa kwepamusoro pamba yako, enda kune FloodSmart.gov uye nyora kero yako.

Usamirira dutu kuti usvike usati wadana nhengo ye inshuwarisi kuti uwane flood inshuwarisi. Mitemo yakawanda inoda mazuva makumi matatu ekumirira.

_{Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.}