Insurens blong hariken mo ol impoten pepa¶

Pej ia i halpem yu blong jekem insurens blong hariken blong yu mo blong protektem ol impoten pepa blong yu bifo sisen. Tufala samting ia oli tekem sam aoa nomo long wan manis we i kwaet mo oli save sevem yu long plante wik blong trabol afta long wan stom.

Ol rul, ol kaen polisi, mo ol las det blong insurens oli defren long evri kantri mo long evri kampani. Yusum pej ia olsem wan lis blong ol kwestin blong askem, mo kasem ol ansa long kampani blong insurens blong yu mo long ol lokol ofisol blong yu.

Sapos yu mekem tri samting nomo¶

1. Askem kampani blong insurens blong yu long raeting sapos polisi blong yu i kavremap flad mo stom sej. Plante polisi oli no kavremap.
2. Tekem wan video blong evri rum mo sevem aotsaed long haos blong yu.
3. Putum ol kopi blong ID, ol pepa blong graon mo haos, insurens, mo ol medikol pepa blong yu long wan bag we wota i no save go insaed, mo sevem ol dijitol kopi long wan ples we i sef.

Insurens: ol kwestin blong askem¶

Wanem polisi blong yu i kavremap¶

Wan polisi blong insurens blong haos plante taem i kavremap bilding mo ol samting blong yu agensem ol denja we i stap long lis blong hem. Plante taem damej from win i stap insaed, be plante taem flad i no stap. Wan polisi blong man we i rentem haos o blong ol samting insaed long haos i kavremap ol samting blong yu mo laeabiliti blong yu, i no bilding.

Faenem pej blong polisi skedul o pej blong deklaresen. Hem i talem wanem i kavremap, ol limit, mo ol deduktibol. Sapos yu no save faenem, askem ejen blong yu o log in long websaet blong kampani blong insurens blong yu, mo askem wan kopi.

Askem ol kwestin ia mo raetemdaon ol ansa:

• Polisi i kavremap damej from win blong wan stom we i gat nem, taefun, o saeklon?
• Hem i kavremap flad from ren, ol reva, o stom sej? Sapos no, mi save adem?
• Hamas nao deduktibol o ekses from damej blong stom, olsem wan stret namba blong mane?
• Bilding i kavremap from olgeta praes blong bildim bakegen tede, i no praes we mi pem long hem?
• Ol samting blong mi oli kavremap long praes blong jenisim olgeta wetem niufala, o long valiu blong olgeta afta we oli olfala (actual cash value)?
• Polisi i pem wan ples blong stap sapos mi no save stap long haos?
• Hem i kavremap kakae we i lus taem paoa i katof, damej from ol tri we oli foldaon, o rent we i lus?
• I gat ol rul we mi mas folem, olsem blong putum ol sata bifo wan stom?
• Wanem taem nao mi no save pem o jenisim insurens moa taem fokas i talem se wan stom i stap kam?
• Wanem fon namba blong klem, mo i gat wan ap o websaet blong klem?

Flad¶

Flad hem i wan long ol kaen damej blong stom we i hapen moa mo i kostem plante mane, mo plante nomol polisi blong haos mo blong man we i rentem haos oli no kavremap. Long sam kantri, insurens blong flad i wan samting we yu adem long polisi blong haos. Long sam narafala, hem i wan seperet polisi o oli salem tru long wan program blong gavman.

Yu no nid blong stap long wan eria blong flad we i stap long map blong nidim. Stom sej mo bigfala ren oli mekem flad long ol haos longwe long ol ples we ol man oli save se flad i stap kam long hem.

Ol deduktibol blong stom¶

Plante polisi long saed solwota oli gat wan seperet deduktibol blong hariken, taefun, saeklon, o win blong stom. Plante taem hem i wan pesen blong valiu blong haos blong yu we i gat insurens, i no wan namba we i no jenis. Eksampol, 5 pesen blong wan haos we i gat insurens blong 200,000 hem i 10,000 blong mane blong yu bifo kampani blong insurens i pem.

Faenem pesen long polisi blong yu mo wokem stret namba. Askem wanem i mekem hem i stat, from we sam oli wok nomo taem oli givim nem long wan stom o oli givim wan woning. Sapos yu no save pem long mane we yu sevem, askem long olsem wanem blong jenisim o stat blong putum mane long saed.

Ol narafala kaen insurens¶

• Insurens blong ol samting insaed long haos o blong man we i rentem haos i protektem ol samting blong yu nating sapos haos i no blong yu. Plante taem i no sas tumas. Lukluk ol man we oli rentem haos mo ol apatmen.
• Ol smol polisi from ol famle mo ol smol bisnis oli salem long sam kantri, olsem ol polisi we oli pem wan namba we i no jenis kwiktaem taem wan stom i kasem wan strong we oli makem klosap long yu. Askem ol kampani blong insurens, ol bang, ol kredit yunion, mo ol grup blong fama wanem i stap long ples we yu stap.
• Insurens blong kar i save kavremap damej blong flad mo win long kar nomo aninit long komprehensiv insurens. Jekem.
• Insurens blong bisnis i save kavremap mane we yu lusum. Lukluk ol smol bisnis.

Long Yunaeted Stet¶

Plante polisi blong flad oli kam tru long National Flood Insurance Program (NFIP), we FEMA i ronem, mo ol nomol ejen blong insurens oli salem. Ol praevet polisi blong flad oli stap tu. Ol man we oli rentem haos oli save pem insurens blong flad from ol samting blong olgeta.

Wan niufala polisi blong NFIP plante taem i no stat blong wok kasem 30 dei afta we yu pem, wetem sam smol eksepsen, olsem wan polisi we yu pem taem yu tekem o yu riniu wan mogej. Jekem floodsmart.gov from ol rul blong naoia, mo pem longtaem bifo sisen.

Aotsaed long Yunaeted Stet, jekem lokol pej blong help blong yu mo askem kampani blong insurens blong yu.

Jekem insurens blong yu evri yia¶

Bifo sisen blong yu i stat:

• Ridim polisi skedul mo raetemdaon deduktibol blong stom olsem wan stret namba
• Jekem se namba blong bildim bakegen i stret wetem praes blong bildim tede
• Askem wan praes blong insurens blong flad sapos yu no gat
• Adem ol niufala samting we i gat valiu, olsem wan niufala masin o ol tul, long polisi sapos i nid
• Pem o setem otomatik pemen blong polisi i no finis long taem blong sisen
• Sevem namba blong klem mo namba blong polisi long fon blong yu mo long pepa

Mekem wan lis blong ol samting long haos¶

Wan lis blong ol samting long haos i pruf blong wanem samting i blong yu. Afta long wan stom, hem i mekem klem i go kwik moa mo i had moa blong man i agensem. Hem i halpem tu sapos yu aplae from help blong gavman.

Rod we i moa kwik hem i video:

1. Wokbaot slo tru long evri rum. Openem ol kabod, ol drowa, mo ol selef.
2. Talem strong wanem nao evri samting mo samwe wanem taem yu pem.
3. Sum i go klosap long brand, model, mo siriol namba blong ol elektronik samting mo ol masin.
4. Tekem video blong aotsaed blong haos, ruf sapos yu save mekem long fasin we i sef, yad, ol kar, ol bot, mo ol tul.
5. Tekem foto blong ol risit from eni samting we i sas.

Sevem ol fael long tu ples o moa aotsaed long haos, olsem klaod stoarej mo wan kopi we yu sendem long man blong kontak blong yu we i stap long narafala eria. Apdetem video wan taem evri yia mo afta we yu pem ol bigfala samting.

Ol pepa blong protektem¶

I had blong kasem bakegen ol pepa afta long wan stom, moa sapos ol ofis oli sat mo yu no gat pruf blong hu nao yu. Protektem olgeta long tri fasin: ol orijinol long wan ples we i sef mo i drae, ol kopi long bag blong ronwe blong yu, mo ol dijitol kopi we yu stoarem long fasin we i sef.

Aedentiti mo famle¶

• Ol nasonal ID kad, ol laesens blong draev, mo ol paspot blong evri man
• Ol setifiket blong bon mo blong mared, mo ol pepa blong adopsen o blong kastodi
• Ol namba blong sosol sekuriti, nasonal insurens, o takis (Social Security card long Yunaeted Stet)
• Ol pemit blong stap, ol visa, o ol pepa blong imigresen
• Ol niufala foto blong evri memba blong famle mo pet, sapos yufala i seperet

Haos mo propeti¶

• Did, taetol blong graon, o pruf se i blong yu
• Agrimen blong mogej o lis, mo kontak infomesen blong man we i ona long haos
• Ol polisi blong insurens: haos, man we i rentem haos, flad, kar, helt, laef
• Rejistresen mo taetol blong kar mo bot
• Video blong lis blong ol samting long haos blong yu o wan link i go long hem

Sapos yu no gat ol fomol pepa from graon o haos blong yu, kipim eni samting we i soemaot se yu stap long ples ia: ol bil blong paoa mo wota, ol risit blong takis, ol leta we i kam long ol lokol lida, mo ol foto blong haos blong yu we i gat det. Ol samting ia oli save halpem taem oli givimaot help.

Helt¶

• Wan lis blong ol meresin blong evri man, hamas blong tekem, ol alaji, mo ol sik blong olgeta
• Ol presgripsen mo ol kad blong helt insurens
• Ol rekod blong vaksin, wetem ol rekod blong ol pikinini
• Kontak infomesen blong dokta, klinik, mo famasi
• Ol rekod blong ol medikol masin, olsem mek mo model blong wan masin blong oksijen o wiljea

Mane¶

• Ol akaon namba blong bang, kredit kad, mo lon, mo ol fon namba blong kasem olgeta
• Niufala takis ritan o pei slip, we yu save nidim blong aplae from help
• Infomesen blong pensen, benefit, o program blong welfea
• Smol mane long ol smol not, from we ol masin blong kad mo ol masin blong tekemaot mane oli stop blong wok we i no gat paoa

Loa¶

• Ol wil, ol pepa blong pawa blong atoni, mo ol pepa blong advans kea
• Ol rekod blong vaksin blong pet mo ol namba blong maekrojip
• Wan lis long pepa blong ol impoten fon namba

Stoarem olgeta long fasin we i sef¶

Ol orijinol: Kipim olgeta long wan bokis we wota i no save go insaed mo faea i no save bonem kwik, o long wan plastik bag we i sil insaed long wan kontena, long wan selef antap longwe long level blong flad. Sapos yu gat wan sef deposit bokis, jekem sapos bang i stap long wan eria blong flad.

Ol pepa kopi: Putum ol kopi long wan zip bag we wota i no save go insaed long bag blong ronwe blong yu.

Ol dijitol kopi: Skanem o tekem foto blong evri pepa mo sevem olgeta long wan sef ples o moa, olsem klaod stoarej wetem wan strong paswod mo tu step sain in, o wan flash draev we i gat enkripsen. Givim akses long wan kopi long wan famle we yu trastem we i stap aotsaed long rijen, o long narafala kantri.

Afta long stom¶

Ripotem damej long kampani blong insurens blong yu kwiktaem we yu save. Tekem foto blong damej bifo yu klinim, kipim ol samting we oli bagarap kasem we man blong insurens (adjuster) i luk olgeta sapos i sef blong mekem, mo kipim evri risit from ripea, hotel, mo kakae. Ridim Insurens mo help afta long hariken from ol step, mo Lukaot long ol trik blong stilim mane bifo yu sainem eni samting wetem wan kontrakta.

Ol narafala gaed¶

• Plan blong rere from hariken
• Rere from hariken wetem smol mane
• Bag blong ronwe from hariken
• Insurens mo help afta long hariken
• Lukaot long ol trik blong stilim mane