Ol klem blong insurens blong hariken mo help afta long disasta¶
Hariken, taefun mo tropikol saeklon oli sem kaen stom, be oli gat defren nem long defren solwota. Evri samting long gaed ia i stret blong olgeta.
Mani blong stretem samting mo stanap bakegen afta long wan hariken, taefun no saeklon plante taem i kam long insurens, help blong gavman, ol oganaesesen blong help, no wan miks blong tri samting ya. Wanem yu mekem long ol fes dei, bifo eni man i jekem damej, i mekem defren we i moa bigwan. Pej ya i givhan long yu blong mekem ol klem, blong soem pruf blong ol samting we yu lusum, mo blong faenem help nomata yu gat insurens no nogat.
Sapos yu mekem tri samting nomo¶
- Tekem foto mo vidio blong evri damej bifo yu klin no sakemaot eni samting.
- Kontaktem kampani blong insurens blong yu mo rejista blong kasem help blong gavman kwiktaem olsem we yu save, nomata bifo yu save ful damej.
- Kipim evri risit, mo raetemdaon evri fon kol: det, nem, mo wanem oli talem.
Fes wik blong yu, folem oda¶
- Mekem haos i sef mo stopem moa damej wetem ol wok blong stretem blong smol taem, olsem wan tapolin no ol plang. Kipim ol risit.
- Tekem foto mo vidio blong evri samting. Mekem kopi blong ol fael.
- Kontaktem kampani blong insurens blong yu blong openem wan klem. Raetemdaon namba blong klem blong yu.
- Rejista wetem program blong help afta long disasta blong gavman blong yu stret taem i open, sapos i gat wan long ples we yu stap.
- Kontaktem bang no man we i givim lon long yu sapos yu gat wan moget no wan lon we i fas long haos.
- Statem wan fael blong stanap bakegen blong ol risit, ol leta mo rekod blong ol fon kol blong yu.
- Askem lokol gavman blong yu, Red Cross no Red Crescent, mo ol grup blong komuniti wanem help i stap.
Kipim pruf blong evri samting bifo yu klin¶
Ol kampani blong insurens mo ol ofis blong help oli pem damej we oli save luk no we yu save soem pruf blong hem. Taem kapet we i wet i stap finis long saed blong rod, i had moa tumas blong soem pruf.
- Tekem ol foto long longwe blong evri rum stat long doa, afta ol foto kolosap blong wanwan ples mo samting we i spoel.
- Tekem foto blong mak blong wota long ol wol wetem wan tep blong mesarem no wan man we i stanap kolosap blong soem hamas i hae.
- Wokbaot raon wetem vidio, mo talemaot wanem yu luk.
- Tekem foto blong aotsaed: ruf, ol wol, ol windo, yad, ol fenis, ol smol haos blong stoa, ol trak, ol bot, ol garen mo ol anamol.
- Tekem foto blong ol serial namba mo ol lebel blong model long ol masin mo ol samting blong elektrik.
- Lisim ol samting we oli spoel wetem hamas yia samting oli gat, wea yu pem, mo hamas mani oli kostem.
- Kipim wan smol pis blong ol samting we oli spoel, olsem wan pis kapet no flo, sapos yu save.
Mekem kopi blong ol foto blong yu long klaod no sendem i go long yu wan long imel no wan ap blong mesej, blong oli stap sef sapos fon blong yu i lus. Sapos yu mekem wan lis blong ol samting blong haos bifo stom, faenem naoia. Sapos yu no mekem, ol olfala foto blong haos blong yu long fon no sosel midia blong yu oli save givhan blong soem wanem yu bin gat.
Ol klem blong insurens¶
Kontaktem kampani blong insurens blong yu stret naoia¶
Afta long wan bigfala stom, ol kampani blong insurens oli kasem plante taosen klem, mo plante oli lukluk long olgeta samting olsem folem oda we oli kam. Kolem namba blong klem long polisi blong yu, yusum ap no websaet blong kampani, no kontaktem ejen no broka we i salem polisi long yu.
Talem long olgeta wanem yu save kasem naoia. Yu save ademap moa infomesen afta. Askem:
- Namba blong klem blong yu
- Nem mo namba blong kontak blong man we i jekem damej (adjuster no loss assessor)
- Wanem oli nidim long yu, mo wetaem
- Sapos polisi blong yu i pem wan ples blong stap taem yu no save stap long haos blong yu
- Sapos yu save statem ol wok blong stretem blong smol taem, mo hamas mani yu save spenem bifo oli agri
Sapos yu lusum ol pepa blong polisi blong yu, kampani i save faenem polisi blong yu wetem nem mo adres blong yu. Plante polisi oli talem se yu mas ripotem damej kwik, ale yu no wet kasem we yu gat evri infomesen.
Sapos yu rentem haos, insurens blong lanlod i kavremap haos, mo insurens blong yu blong man we i rent no blong ol samting insaed, sapos yu gat, i kavremap ol samting blong yu. Luk ol man we oli rent mo ol apatmen.
Wok blong stretem blong smol taem mo wok blong stretem we i stap oltaem¶
Plante polisi oli talem se yu mas mekem ol samting we i stret blong stopem moa damej. Blong kavremap ol hol wetem wan tapolin, putum plang long ol windo we i brok, mo karemaot wota, oli wantem se yu mekem, mo plante taem oli pem praes blong hem. Tekem foto blong damej bifo yu kavremap. Luk ol tri mo ol tapolin blong mekem samting ya long fasin we i sef.
Yu no statem ol wok blong stretem we i stap oltaem bifo man we i jekem damej i jekem, sapos kampani blong insurens i no talem long yu long pepa se yu save. Yu no sakemaot ol samting we oli spoel kasem we man we i jekem damej i luk olgeta finis no i talem se i oraet. Sapos yu mas sakemaot ol samting from helt, olsem kakae we i roten no kapet we doti blong toilet i kavremap, tekem foto blong olgeta fastaem mo kipim wan smol pis sapos yu save.
Flad mo win¶
Samting ya i sapraesem ol man moa i bitim eni narafala samting. Long plante kantri, wan nomol polisi blong haos i kavremap damej blong win, wetem ren we i kam insaed tru long wan hol we win i mekem. Plante polisi oli no kavremap wota we i kam antap from stom sej, ol reva, no kwik flad. Hemia plante taem i nidim wan narafala insurens blong flad, no wan ekstra blong flad we oli ademap long polisi.
Wanem we insurens i kavremap i defren tumas long wanwan kantri mo wanwan polisi. Ridim seksen blong polisi blong yu long saed blong flad, stom mo damej blong wota, mo askem kampani blong insurens blong yu blong eksplenem wanem i stret long yu. Sapos yu gat insurens blong win mo flad tugeta, maet yu gat tu klem mo tu man blong jekem damej, mo maet tufala i no agri long wanem i mekem wanem damej. Ol foto blong yu blong mak blong wota mo damej long ruf oli impoten long ples ya.
Ol deduktibol mo ekses¶
Deduktibol, we long sam kantri oli singaotem ekses, i pis mani blong wanwan klem we yu nao yu pem. Plante polisi oli gat wan narafala deduktibol we i moa bigwan blong ol hariken, taefun, saeklon, no ol stom we i gat nem. Plante taem i wan pesen blong praes blong haos we insurens i kavremap, i no wan namba we i no jenis. Jekem polisi blong yu blong namba ya i no sapraesem yu.
Wok wetem man we i jekem damej¶
- Stap long ples taem oli kam jekem sapos yu save, no sendem wan man we yu trastem.
- Soem evri rum, ruf, atik no ples aninit long ruf, mo ol narafala smol haos long man we i jekem damej. Soem ol foto mo lis blong yu.
- Soem damej we i isi blong no luksave, olsem insulesen we i wet, ol flo we oli bend, mo ol taels we oli krak.
- Askem wan kopi blong ripot mo estimet blong olgeta.
- Kasem ol kwot blong yu we i raetem blong stretem samting long ol kontrakta we oli gat laesens sapos yu save.
Sapos yu no agri wetem mani we oli talem¶
Yu no nid blong tekem fes mani we oli talem. Askem kampani blong insurens blong eksplenem, long pepa, olsem wanem oli kasem namba ya mo wanem pat blong polisi oli yusum. Sendem ol kwot mo ol foto blong yu mo askem olgeta blong lukluk bakegen.
Sapos hemia i no wok, plante kantri oli gat wan rod blong komplen: wan rod blong komplen insaed long kampani, wan insurance ombudsman no seves blong stretem raorao, no ofis blong gavman we i lukaot long ol kampani blong insurens (state insurance department long Yunaeted Stet). Sam man oli pem wan independent loss assessor no public adjuster (man we i jekem damej blong yu, i no blong kampani), we i tekem wan pat blong pemen, ale ridim agrimen gud bifo yu saen.
Ol moget mo ol jek blong insurens¶
Sapos yu gat wan moget, kampani blong insurens i save raetem jek long nem blong yu mo man we i givim lon long yu tugeta. Man we i givim lon i save holem mani mo givimaot smol smol taem wok blong stretem i stap finis. Kontaktem man we i givim lon long yu erli, askem olsem wanem hem i lukaot long ol klem blong stom, mo askem sapos hem i save stopem smol taem no mekem ol pemen oli smol moa taem yu stap stanap bakegen. Plante man blong givim lon oli gat ol program blong help afta long ol disasta.
Sapos yu no gat insurens¶
Plante famle oli no gat insurens blong haos nating. Be i stil gat ol rod blong yu.
- Help blong gavman. Rejista wetem ofis blong disasta blong kantri no lokol ofis blong yu kwiktaem taem oli talemaot help.
- Ol ofis blong sosel welfea. Long plante kantri, ministri blong sosel welfea no sosel divelopmen i givim help mo mani afta long ol disasta.
- Red Cross mo Red Crescent. Ol sosaeti blong ol kantri plante taem oli givim emejensi help, mani, ol kit blong mekem selta, mo ol samting blong bildim.
- Ol grup blong jyos mo ol oganaesesen blong komuniti. Plante oli gat ol program blong kakae, stretem samting mo bildim bakegen.
- Ol bos mo ol yunion. Sam oli givim emejensi mani no pei fastaem.
- Ol bang, ol kredit yunion mo ol smol ofis blong lon. Plante oli letem yu stop blong pem smol taem no oli givim emejensi lon afta long ol stom. Askem bifo yu mestem wan pemen.
- Ol program blong garen mo anamol blong fam. Ol fama mo ol man blong fis oli mas askem ministri blong agrikalja no fisheri long saed blong help afta long stom.
Lukaot gud long ol man we oli givim lon be oli no wan bang. Kaon wetem bigfala intres afta long wan disasta i save stap longtaem moa tumas i bitim damej. Luk lukaot long ol giaman.
Help blong gavman afta long disasta¶
Afta long wan bigfala disasta, plante gavman oli givim help blong emejensi selta, haos blong smol taem, ol simpol wok blong stretem, kakae, mani, no lon wetem smol intres. Ol program, ol loa mo ol las det oli defren long wanwan kantri, mo samtaem long wanwan rijen. Help i save kam olsem wan sem mani blong wanwan haos we i spoel, ol samting blong bildim, mani we oli sendem i go long wan akaon long bang no moblaen mani, no ol vauja.
- Lesin long ol toktok blong ofis blong disasta blong kantri blong yu, lokol gavman, mo redio blong gavman.
- Askem ofis blong lokol gavman blong yu, lida blong vilej no komuniti, no senta blong help olsem wanem blong rejista.
- Rejistarem wanwan famle sapos moa long wan famle i stap long sem haos.
- Kipim pruf blong hu yu mo wea yu stap. Sapos ol pepa blong yu oli lus, askem olsem wanem blong rejista sapos yu no gat. Plante program oli gat wan rod.
- Aplae erli, mo kipim wan kopi no foto blong evri samting we yu sendem.
Lokol pej blong yu i lisim ol ofis long ples we yu stap.
Long Yunaeted Stet¶
FEMA Individual Assistance i kam long ol kaonti we nem blong olgeta i stap long wan presidential major disaster declaration (toktok blong presiden se i gat bigfala disasta). Aplae nomata yu gat insurens, mo nomata yu ting se yu no save kasem. Blong aplae i no kostem mani.
- Aplae long intanet long https://www.disasterassistance.gov, tru long FEMA App, no taem yu kolem FEMA Helpline long 1-800-621-3362.
- Rerem: Social Security number blong yu, adres blong haos we i spoel, wea yu stap naoia, infomesen blong insurens, wan eksplenesen blong damej, infomesen blong bang blong yu blong oli putum mani stret long akaon, mo wan namba blong fon we FEMA i save kasem yu long hem.
- FEMA i putum wan las det blong aplae blong wanwan disasta, ale aplae erli.
- Help blong FEMA i kavremap ol simpol nid we insurens i no kavremap, olsem haos blong smol taem, ol simpol wok blong stretem, mo sam samting blong yu, praes blong dokta mo blong beredaon. I no tekem ples blong insurens mo bambae i no pem ol samting we insurens i kavremap finis.
- Sapos yu gat insurens, mekem klem blong yu mo sendem disisen blong kampani blong insurens blong yu i go long FEMA. FEMA i save givhan maet long wanem we insurens i no kavremap.
- Sapos FEMA i talem no long yu, ridim leta. Plante taem oli talem no from we sam pepa i no stap. Yu save apil long pepa insaed long 60 dei stat long det we i stap long leta.
SBA disaster loans oli ol lon wetem smol intres blong ol man we oli onem haos mo ol man we oli rent, i no blong ol bisnis nomo. Ol man we oli onem haos oli save kaon kasem $500,000 blong stretem haos we oli stap long hem, mo ol man we oli onem haos mo ol man we oli rent oli save kaon kasem $100,000 blong pem bakegen ol samting olsem fanija, klos mo trak. Aplae long https://www.sba.gov. Ol man we oli gat bisnis oli mas ridim tu pej blong mifala long smol bisnis.
Insurens blong flad. Sapos yu gat wan polisi blong flad tru long National Flood Insurance Program, plante taem yu mas sendem wan proof of loss (pepa blong soem samting we yu lusum) we yu saenem insaed long 60 dei afta long flad, nomata yu no agri wetem estimet blong man we i jekem damej. Askem kampani blong insurens blong flad blong yu long saed blong las det stret naoia.
Narafala help. Kolem 211 blong ol lokol seves, kolem American Red Cross long 1-800-733-2767, mo visitim wan disaster recovery center (senta blong stanap bakegen) blong askem ol kwestin fes tu fes.
Kipim wan rekod we i raetem blong evri fon kol¶
Blong stanap bakegen i minim plante ten fon kol mo mesej wetem ol kampani blong insurens, ol ofis blong help, ol kontrakta, ol lanlod mo ol bang. Kipim wan buk no wan not long fon blong yu wetem:
- Det mo taem
- Hu yu toktok wetem, mo aedi no namba blong laen blong hem
- Wanem oli talem mo wanem oli promes
- Ol namba blong klem, kes no rejistresen blong yu
Afta long ol impoten fon kol, sendem wan sot imel no mesej we i talem bakegen wanem yufala i agri long hem. Rekod ya i stretem ol raorao plante manis afta taem ol wokman oli jenis mo ol man oli fogetem.
Kipim risit blong evri samting¶
Kipim ol risit blong ol tapolin, plaewud, ol samting blong klin, ol tul, ol kontrakta, fiul blong ol jeneretor, taem yu stap long hotel, kakae taem yu no save stap long haos, mo ples blong stoem samting. Plante polisi oli pem ol ekstra mani blong laef taem yu no save stap long haos blong yu, mo sam program blong help oli kavremap ol praes ya tu. Tekem foto blong wanwan risit taem yu kasem, from we pepa i lusum kala mo i kam wet.