Kukonzekera mphepo yamkuntho kwa anthu obwereketsa ndi ma apartment¶

Tsamba ili likuthandizira anthu obwereketsa kukonzekera mphepo yamkuntho, taifuni, kapena saikiloni, kaya mumabwereketsa nyumba, apartment, flat, kapena chipinda chimodzi. Kubwereketsa kumasintha amene amakonza chiyani. Sikusintha mafunso awiri ofunika kwambiri: kodi muli m'dera lothawirako, ndipo mupita kuti.

Ngati muchita zinthu zitatu zokha¶

1. Pezani dera lanu lothawirako lero. Malamulo amagwira anthu obwereketsa monga mmene amagwirira eni nyumba. Onani Dziwani dera lanu lothawirako la mphepo yamkuntho.
2. Tetezani zinthu zanu nokha. Inshuwaransi ya landlord wanu imateteza nyumba, osati zinthu zanu. Pezani inshuwaransi ya anthu obwereketsa kapena ya zinthu ngati mungathe, ndipo jambulani zomwe muli nazo.
3. Funsani landlord wanu mafunso atatu tsopano, molembedwa. Ndani amayika zotchinga, liti, ndi amene muimba pamene chinthu chaswekera.

Chitani tsopano: ola loyamba la wobwereketsa¶

Ngati mphepo ikubwera kale, chitani izi poyamba:

• Onani dera lanu ndi malamulo aliwonse a kuthawa pa tsamba la ofesi yanu ya dzidzidzi ya m'deralo kapena pa wailesi.
• Tumizirani landlord kapena woyang'anira nyumba uthenga: funsani ngati adzateteza mazenera ndi zitseko, ndi liti.
• Jambulani kanema wa chipinda chilichonse ndi zinthu zanu, ndipo tumizirani inu nokha kapena sungani pa intaneti.
• Sunthani zida za magetsi, mapepala, ndi zinthu zamtengo wapatali kuchoka pansi ndi kutali ndi mazenera.
• Lowetsani chilichonse kuchokera pa balcony, khonde, kapena munda.
• Dzazani zokolola ndi madzi ndipo yikani magetsi mu foni yanu ndi mabatire.
• Nyamulani chikwama chokonzeka ndi chitupa chanu, panganyemba, zambiri za inshuwaransi, mankhwala, ndi ndalama. Onani Chikwama chokonzeka cha mphepo yamkuntho.

Malo amafunika kuposa nyumba¶

Nyumba ya njerwa pagombe idakali m'dera la madzi akukwera. Nyumba yaying'ono ya matabwa yomwe ili mkati kutali pamalo okwera ingakhale yotetezeka kwambiri. Akuluakulu amathawa ndi dera chifukwa madzi akukwera ndi osefukira amakwera kudzera pansanja za pansi, kudula magetsi, ndi kutseka misewu, mosatengera chomangira nyumba.

Pezani dera lanu pa tsamba la ofesi yanu ya dzidzidzi ya m'deralo, kapena funsani landlord wanu. Ku United States, mukhozanso kuimba 211. Ngati dera lanu lalamulidwa, chokani, ngakhale nyumba ikumveka yolimba.

Ngati mumakhala pansanja yapansi pa nthaka, chipinda cha pansi, kapena chipinda pansi pa mtunda wa msewu, kusefukira ndi hatari yanu yaikulu, ngakhale kunja kwa dera la madzi akukwera. Konzekerani kusuntha kumalo okwera kapena pamwamba kwa mnansi ngati kusefukira kwaneneratu.

Musanasayine lease¶

Ngati mukusankha nyumba yobwereketsa m'dera la mphepo yamkuntho, funsani izi musanasayine. Mayankho amakhudza chitetezo chanu ndi ndalama zanu kwa zaka.

• Kodi chipindacho chili m'dera la madzi osefukira kapena madzi akukwera? Funsani landlord, ndipo onani mapu a kusefukira a m'deralo.
• Kodi nyumbayi idasefukirapo kale, ndi pa muyeso wanji?
• Chipinda chili pa nsanja yanji, ndipo pansi kapena cellar imagwiritsidwa ntchito kusunga zinthu zomwe zingasefukire?
• Kodi nyumbayi ili ndi zotchinga, mazenera olimba, kapena dongosolo loteteza?
• Kodi lease ili lalola kuika chitetezo chanu nokha, ndipo imafuna inshuwaransi ya obwereketsa?
• Kodi nyumbayi ili ndi madzi owonjezera kapena jenereta, ndipo imayendetsa chiyani?

Ngati mayankho ndi osamveka, funsani molembedwa. Landlord amene amayankha bwino ndi wosavuta kugwirizana naye pambuyo pa mphepo.

Zomwe landlord amachita ndi zomwe mumachita nokha¶

Kugawanika kumasiyana ndi dziko, dera, ndi lease, choncho werengani lease yanu ndipo funsani. Mwachizolowezi:

Funsani landlord wanu molembedwa:

• Kodi nyumbayo ili ndi zotchinga, mazenera olimba, kapena plywood yolidwe bwino? Ndani amaika, ndi liti?
• Kodi mukuloledwa kuika chitetezo chanu cha zenera nokha? Ma lease ena amaletsa kuboola, tepi, kapena plywood.
• Ndani amene mumuimba kuuza chiwonongeko, ndipo nambala yowonjezera ndi yotani?
• Chidzachitika chiyani ku rent ngati nyumbayo yawonongeka ndipo simukhoza kukhalamo?
• Valvu yaikulu ya madzi ndi breaker ya magetsi za chipinda chanu zili kuti?

Sungani mayankho ndi zikalata zanu. Uthenga wolembedwa umateteza inu ngati pali mkangano pambuyo pake.

Inshuwaransi ya obwereketsa ndi zinthu¶

Dongosolo la landlord wanu limateteza nyumba. Silimateteza mipando yanu, zovala, zida za magetsi, kapena mtengo wa malo oyenera kukhala ngati chipinda chanu sichingathe kukhalamo. Inshuwaransi ya obwereketsa kapena zinthu imateteza zimenezo m'mayiko ambiri. Mitengo imasiyana kwambiri, choncho yerekezerani ma quote.

• Funsani wa inshuwaransi wanu ngati dongosolo limateteza chiwonongeko cha mphepo, mkuntho, ndi kusefukira. Ambiri sawateteza kusefukira pokhapokha mungaonjezere.
• Funsani ngati dongosolo limalipira nyumba yakanthawi ngati nyumba yanu singathe kukhalamo.
• Funsani za nthawi yodikirira. Mapulani ambiri amafuna nthawi isanafike chitetezo chatsopano chiyambe, ndipo makampani a inshuwaransi nthawi zambiri amasiya kuwonjezera chitetezo mphepo itapatsidwa dzina kapena kuneneratu.
• Sungani nambala ya dongosolo ndi nambala ya foni ya zisumo m'chikwama chanu chokonzeka ndi pa foni yanu.

Ngati simungathe kugula inshuwaransi, zithunzi ndi kanema wa zomwe muli nazo zimathandizabe pulogalamu iliyonse yothandiza. Onani Kukonzekera mphepo yamkuntho ndi ndalama zochepa.

Ku United States¶

Mapulani wamba a obwereketsa nthawi zambiri satetezera kusefukira. Mungathe kugula dongosolo losiyana la zinthu kudzera mu National Flood Insurance Program (NFIP), koma nthawi zambiri amafuna nthawi yodikirira ya masiku 30, choncho gulani nyengo isanafike. Onani Inshuwaransi ya mphepo yamkuntho ndi zikalata zofunika.

Pangani zolemba za zinthu zanu¶

• Yendani m'chipinda chilichonse ndi foni yanu ndipo jambulani, kutsegula makabati ndi ma drawer.
• Jambulani manambala a serial pa zida za magetsi ndi zipangizo.
• Jambulani ma risiti a zinthu zokwera mtengo.
• Jambulani mkhalidwe wa makoma, pansi, denga, ndi mazenera mphepo isanafike. Izi zimathandiza ngati pali mkangano wa chiwonongeko kapena deposit yanu.
• Sungani mafayilo pa intaneti kapena tumizirani munthu kutali ndi dera.

Kubwereketsa chipinda kapena kugawana nyumba¶

Ngati mukubwereketsa chipinda m'nyumba yogawana, nyumba ya anthu, kapena hostel, kapena mumakhala ndi eni nyumba:

• Funsani eni nyumba kapena woyang'anira dongosolo lili lotani, ndi komwe aliyense amapita ngati nyumba ifunikire kuthawidwa.
• Pangani dongosolo lanu nokha chonchi. Musadalire kuti banja lidikire inu.
• Sungani chikwama chanu chokonzeka, chitupa, choyikira foni magetsi, ndi ndalama zina pamalo omwe mungathe kugwira mwachangu.
• Dziwani dera lanu lothawirako ndi malo othawirako apafupi.
• Gawanani manambala a chikhalapo ndi anthu amene mumagawana nawo nyumba kuti muthe kuyang'anirana.

Ogwira ntchito omwe amakhala m'nyumba za employer, ma dormitory, kapena worker camps ayenera kufunsa employer za dongosolo la mphepo ndi komwe apita. Ngati nyumbayo ndi yofooka kapena pafupi ndi madzi, funsani kuti musunthidwe mphepo isanafike.

Ma apartment ndi nyumba zogawana¶

Nyumba za apartment zimaonjezera hatari zogawana: ma balcony, malo ogwirizana, lifti, ndi ma pump a madzi.

Ma balcony ndi patio¶

Chilichonse pa balcony chimasanduka chida choopsa mu mphepo yamphamvu, ndipo chingathe kumenya anthu ndi magalimoto pansipa. Lowetsani mipando, zomera, ma grill, njinga, ndi zokongoletsera mphepo isanayambe. Ngati sizingalowe mkati, funsani oyang'anira komwe angazisunge.

Tsekani ndi kuyika lock zitseko za balcony, ndipo musazitsegule pa nthawi ya mphepo, ngakhale mphepo ikuleka. Kubata kungakhale diso la mphepo. Onani Diso la mphepo.

Dongosolo la nyumba yanu¶

Funsani woyang'anira nyumba:

• Kodi nyumba idzafuna anthu okhalamo achoke, ndi pa nthawi yanji?
• Kodi pali jenereta, ndipo imayendetsa chiyani?
• Nyumba idzalumikizana bwanji ndi anthu okhalamo pa nthawi ya mphepo ndi pambuyo pake?
• Kodi garaje imasefukira, ndipo magalimoto apite kuti?
• Njira za makwerero ndi malo othawirako amkati ali kuti?

Ngati mumakhala m'nyumba yaitali, werengani Nyumba zazitali ndi ma condominium. Lifti ndi ma pump a madzi nthawi zambiri amaleka pamene magetsi afa, ndipo mphepo imakhala yolimba kwambiri pa nsanja zapamwamba.

Komwe mungathawirako ngati mukhala¶

Ngati muli kunja kwa dera lothawirako ndipo mukhala kunyumba:

• Pitani ku chipinda chamkati kapena khonde lopanda mazenera, pansanja yotsika kwambiri yomwe singasefukire.
• Bafa kapena kabati imagwira bwino ntchito.
• Sungani nsapato, nyali, foni yanu, ndi madzi nanu.
• Khalani pamenepo mpaka akuluakulu anena kuti mphepo yadutsa.

Zinthu zofunika m'malo ocheperapo¶

Ma apartment ndi zipinda zili ndi malo ocheperapo osungira, choncho sungani zida zanu zopanikizika.

• Zokolola za madzi zokhazikika kapena mabotolo pansi pa bedi
• Shelufu kapena bokosi la chakudya chosafuna kuphika
• Nyali ya mutu, wailesi ya batire, ndi mabatire a magetsi
• Chikwama chokonzeka mu kabati pafupi ndi khomo
• Bokosi ndi zikwama zolemera ngati chimbudzi chowonjezera, pankhani madzi akaleka

Werengani mndandanda wa zinthu zofunika za mphepo yamkuntho pa mndandanda wonse.

Pambuyo pa mphepo¶

• Jambulani chithunzi ndi kanema wa chiwonongeko chonse musanayeretse, kuphatikizapo zinthu zanu.
• Uzani landlord wanu za chiwonongeko molembedwa, ndi zithunzi, mwachangu monga mungathere.
• Chitani zotetezeka kuletsa chiwonongeko chowonjezera, monga kusuntha zinthu kutali ndi madzi otayikira, ndipo sungani zolemba za zomwe mudachita.
• Perekani zisumo kwa wa inshuwaransi wanu wa zinthu zanu.
• Funsani landlord wanu molembedwa za rent, kukonza, ndi liti chipinda chidzakhala chotetezeka.
• Ngati nyumbayo sikhalidwa, funsani ofesi yanu ya dzidzidzi ya m'deralo kapena mabungwe othandiza za nyumba yakanthawi.

Malamulo a rent, kukonza, ndi kuthetsa lease pambuyo pa chiwonongeko cha mphepo amadalira komwe mukukhala.

Funsani mautumiki a malangizo a obwereketsa, ofesi ya thandizo la malamulo, kapena boma lanu la m'deralo za ufulu wanu. Chenjerani ndi zinyengo zopereka nyumba kapena kukonza mwachangu. Onani Kupewa zinyengo.

Ku United States¶

FEMA ingathandize anthu obwereketsa ndi nyumba yakanthawi ndi zinthu zina za nyumba pambuyo pa tsoka lalengezedwa, ngakhale popanda inshuwaransi, ngati akwaniritsa malamulo a FEMA. Imbani FEMA Helpline pa 1-800-621-3362 (US). Onani Inshuwaransi ndi thandizo.

Zolakwa zofala¶

• Kuganiza kuti inshuwaransi ya landlord imateteza zinthu zanu. Nthawi zambiri siyichita izi.
• Kusiya zolemba za zithunzi mpaka mphepo itadutsa, pamene chiwonongeko chasintha chipindacho kale.
• Kudikira landlord achite kanthu musanasunthe zinthu zanu kuchoka pansi kapena kutali ndi mazenera.
• Kuyika tepi, misomali, kapena plywood popanda kuyang'ana lease, zomwe zingakuwonongekere deposit yanu.
• Kubwerera mkati mwa nyumba kuti mupulumutse zinthu pamene mphepo ikali yamphamvu.

Zitsogozo zogwirizana¶

• Dziwani dera lanu lothawirako la mphepo yamkuntho
• Nyumba zazitali ndi ma condominium
• Inshuwaransi ya mphepo yamkuntho ndi zikalata zofunika
• Mndandanda wa zinthu zofunika za mphepo yamkuntho
• Kuthawa kapena kukhalabe