Maclaim einishuwarenzi nerubatsiro rwedambudziko rwehurricane¶
Hurricane, typhoon, uye tropical cyclone ndiwo dutu rimwe chete, rine mazita akasiyana mumakungwa akasiyana. Zvose zviri munhungamiro iyi zvinoshanda kwaari ose.
Mari yekugadzirisa nekuvandudza pashure pehurricane, typhoon, kana cyclone kazhinji inobva kuinishuwarenzi, rubatsiro rwehurumende, masangano erubatsiro, kana musanganiso wezvese zvitatu. Chaunoita mumazuva ekutanga, munhu asati aongorora kukuvara, ndiyo inoita mutsauko mukuru. Peji iri rinokuratidza kuti unyore sei kurasikirwa kwako, kuisa claim, nekuwana rubatsiro, kunyange uine inishuwarenzi kana usina.
Kana uchiita zvitatu chete¶
- Tora mifananidzo nevhidhiyo yekukuvara kwese usati wachenesa kana kurasa chinhu.
- Bata mushandisi wako wainishuwarenzi uye unyoreswe kurubatsiro rwehurumende nekukasika sekugona kwako, kunyange usati waziva kukuvara kwese.
- Chengeta reseti rega rega, uye unyore pasi foni rega rega: musi, zita, uye zvakataurwa.
Vhiki rako rekutanga, nenzira¶
- Ita kuti imba ive yakachengeteka uye umise kukuvara kuwedzera nekugadzirisa kwenguva pfupi, senge tapurin kana mapuranga. Chengeta reseti.
- Tora mifananidzo nevhidhiyo yezvese. Backup mafaera.
- Bata mushandisi wako wainishuwarenzi kuvhura claim. Nyora pasi nhamba yeclaim yako.
- Nyoreswa nepurogiramu yerubatsiro rwedambudziko rwehurumende yako nekukasika kana ichivhurwa, kana iripo kwaugere.
- Bata bhanga rako kana anokweretesa kana uine mortgage kana mukwereti wakasimbiswa pamba.
- Tanga folder yekuvandudza kumareseti, matsamba, nerondedzero yako yefoni.
- Bvunza hurumende yako yenharaunda, Red Cross kana Red Crescent, nemapoka enharaunda kuti rubatsiro ruripo.
Nyora zvese usati wachenesa¶
Vashandisi vainishuwarenzi nemahofisi erubatsiro vanobhadhara kukuvara kwavanogona kuona kana kwaunogona kuratidza. Kana carpet yakanyorova yatoiswa pedyo nemugwagwa, zvakaoma zvikuru kuratidza.
- Tora mifananidzo yakapamhama yeimba rimwe nerimwe uchibva pamusuo, wozotevera yepedyo yenzvimbo nechinhu chimwe nechimwe chakuvara.
- Tora mufananidzo wemutsetse wemvura pamadziro une tape measure kana munhu padyo payo seyescale.
- Famba uine vhidhiyo, uchitaura zvinonzwika zvauri kuona.
- Tora mifananidzo yekunze: roof, madziro, mahwindo, yadhi, mafense, zvidzimba, mota, zvikepe, zvirimwa, nemhuka.
- Tora mifananidzo yenhamba dze serial nema lebhuru pazvishandiswa nezvemagetsi.
- Nyora rondedzero yezvinhu zvakuvara ine zera rayo, kwawakazvitengesera, uye mutengo wazvo.
- Chengeta muenzaniso mudiki wezvinhu zvakuvara, senge chidimbu checarpet kana flooring, kana uchigona.
Foni yako inochengeta musi nenguva pamufananidzo rimwe nerimwe, izvo zvinobatsira kuratidza kuti kukuvara kwakaitika riini. Chengeta mafaera ejairika, uye usacrop kana kugadzirisa.
Backup mifananidzo yako kucloud storage kana uizvitumire neemail kana messaging app, kuti iipone kana foni yako ikasapona. Kana wakagadzira home inventory dutu risati rasvika, itsvage izvozvi. Kana usina, mifananidzo yekare yeimba yako pafoni kana social media inogona kubatsira kuratidza zvawaiva nazvo.
Maclaim einishuwarenzi¶
Bata mushandisi wako wainishuwarenzi pakarepo¶
Pashure pedutu guru, vashandisi vainishuwarenzi vanowana zviuru zvema claim, uye vazhinji vanozvibata muorder yavanosvika. Fonera nhamba yeclaims iri papolisi yako, shandisa app kana webhusaiti yemushandisi, kana ubate agent kana broker akakutengesera polisi.
Iva nerondedzero iyi yakagadzirira, kana unyore pasi paunoiwana:
- Nhamba yepolisi yako, nekero yenzvimbo yakuvara
- Musi nechikonzero chekukuvara, sekuziva kwako
- Rondedzero pfupi yezvakuvara
- Kwauri kugara izvozvi, uye nhamba yefoni mushandisi anogona kukuwana nayo
Vaudze zvaunoziva izvozvi. Unogona kuwedzera zvakadzama gare gare. Bvunza:
- Nhamba yako yeclaim
- Zita nezvekubata adjuster kana loss assessor wako
- Chavanoda kwauri, uye kusvika riini
- Kana polisi yako inobhadhara nzvimbo yekugara imba yako isingagarike
- Kana uchigona kutanga kugadzirisa kwenguva pfupi, uye mari yaunogona kushandisa pasina mvumo
Kana wakarasikirwa nemagwaro epolisi, mushandisi anogona kutsvaga polisi yako kuzita nekero yako. Mapolisi mazhinji anoda kuti ushume kukuvara nekukasika, saka usamirire kusvikira une zvakadzama zvese.
Kana uchirenda, inishuwarenzi yemupanga wako inodzivirira chivakwa, uye inishuwarenzi yako yevanorenda kana zvinhu, kana uinayo, inodzivirira zvinhu zvako. Ona vanorenda nemafurati.
Kugadzirisa kwenguva pfupi pane kwenguva refu¶
Mapolisi mazhinji anoda kuti uite matanho akanaka kumisa kukuvara kuwedzera. Kufukidza mahoro netapurin, kuisa mapuranga pamahwindo akavhunika, uye kubvisa mvura zvinotarisirwa, uye mutengo kazhinji unodzivirirwa. Tora mifananidzo yekukuvara usati wakufukidza. Ona miti netapurin kuzviita zvakachengeteka.
Usatange kugadzirisa kwenguva refu adjuster asati aongorora, kunze kwekunge mushandisi wako achikuudza zvakanyorwa kuti unogona. Usarasa zvinhu zvakuvara kusvikira adjuster azviona kana ataura kuti zvakanaka. Kana wofanira kurasa zvinhu nezvikonzero zvehutano, senge zvokudya zvinoora kana carpet yakatapira marara echitofu, zvitore mifananidzo kutanga uye uchengete muenzaniso kana uchigona.
Mafashamo pane mhepo¶
Izvi zvinoshamisa vanhu kupfuura chinhu chipi nechipi. Munyika zhinji, polisi yemba yejairika inodzivirira kukuvara kwemhepo, kusanganisira mvura inopinda kuburikidza neboka rakagadzirwa nemhepo. Mapolisi mazhinji haadzivirire mvura inokwira kubva kukusimuka, nzizi, kana flash flooding. Izvi zvinowanzoda kudzivirirwa kwakatsaurwa kwemafashamo, kana sarudzo yemafashamo yakawedzerwa kupolisi.
Chinodzivirirwa chinosiyana zvikuru pakati penyika uye pakati pemapolisi. Verenga chikamu chepolisi yako pamusoro pemafashamo, dutu, nekukuvara kwemvura, uye ubvunze mushandisi wako kutsanangura chinoshanda. Kana uine kudzivirirwa kwemhepo nekwemafashamo, ungangova nama claim maviri uye ma adjuster maviri, uye vangasabvumirana pamusoro pechakakonzera kukuvara kupi. Mifananidzo yako yemutsetse wemvura nekukuvara kweroof inokosha pano.
Ma deductible neexcess¶
Deductible, inonzi excess munyika dzimwe, ndiro chikamu chedondo rimwe nerimwe raunobhadhara iwe pachako. Mapolisi mazhinji ane deductible yakatsaurwa, hombe kuma hurricane, typhoon, cyclone, kana madutu ane zita. Kazhinji iri percentage yemutengo wakadzivirirwa weimba pane mari yakamiswa. Tarisa polisi yako kuti nhamba isava yekushamisira.
Kushanda ne adjuster¶
- Iva ipapo pakuongororwa kana uchigona, kana utumire munhu unovimba naye.
- Famba na adjuster muimba rimwe nerimwe, roof, attic kana nzvimbo yeroof, nezvivakwa zvekunze.
- Ratidza kukuvara kuri nyore kupotswa, senge insulation yakanyorova, pasi rakakombama, nema tile akatsemuka.
- Kumbira kopi yerondedzero yavo neyekuyera.
- Wana zvako zvakanyorwa zvekuyera kugadzirisa kubva kuvagadziri vane laisense kana uchigona.
Kana usingabvumirani nechipikirwa¶
Haufaniri kubvuma chipikirwa chekutanga. Bvunza mushandisi kutsanangura, zvakanyorwa, kuti wasvika sei panhamba yawapiwa uye chikamu chepi chepolisi chaashandisa. Tumira zvako zveyero nemifananidzo uye ukumbire kuongororwazve.
Kana izvi zvisingashandi, nyika zhinji dzine nzira yekunyunyuta: process yemukati yekunyunyuta, ombudsman yeinishuwarenzi kana sevhisi yematambudziko, kana hofisi yehurumende inotonga vashandisi vainishuwarenzi (state insurance department muUnited States). Vanhu vamwe vanokorokoza loss assessor asingazvimirire kana public adjuster, anotora chikamu chemubhadharo, saka verenga zvakanyorwa zvakanaka usati wasaina.
Ma mortgage nekutarisa inishuwarenzi¶
Kana uine mortgage, mushandisi anogona kuita kuti mubhadharo uende kwauri newewe nemushandisi webasa rekukweretesa. Mushandisi webasa rekukweretesa anogona kubata mari uye akuregedza muzvidanho kugadzirisa kuchifamba. Bata mushandisi wako nekukasika, ubvunze kuti unobata sei ma claim edutu, uye ubvunze kana ungamira kana kuderedza mibhadharo uchiri kuvandudza. Vashandisi vazhinji vane mapurogiramu erubatsiro pashure pematambudziko.
Zvikanganiso zvinowanzoitika zvekudzivisa¶
- Kurasa zvinhu nekukasika zvikuru. Chengeta zvinhu zvakuvara kusvikira adjuster azviona, kunze kwekunge zviri njodzi yehutano. Zvitore mifananidzo kutanga.
- Kufungidzira kuti kudzivirirwa kwemhepo kunosanganisira mafashamo. Tarisa polisi yako kudzivirirwa kwemafashamo zvakatsaurwa, uye ubvunze mushandisi zvakanyorwa chinoshanda.
- Kupotsa deadline. Ma claim emafashamo nerubatsiro rwedambudziko anowanzova nema deadline anoyerwa mumavhiki. Nyora rimwe nerimwe pazuva raunodzidza nezvaro.
- Kubvuma chipikirwa chekutanga pasina kubvunza nei. Kumbira rondedzero neyekuyera, wozofananidza nezvako zveyero.
- Kusiya rubatsiro rwehurumende nekuti une inishuwarenzi. Nyoreswa pasinei, nekuti rubatsiro runogona kufukidza mitengo isiri kufukidzwa neinishuwarenzi.
- Kukorokoza mugadziri anoda mubhadharo mukuru pamberi. Verenga kudzivirira manyepo usati wasaina chinhu.
Kana usina inishuwarenzi¶
Dzimba zhinji hadzina inishuwarenzi yemba zvachose. Hauna kupera sarudzo.
- Rubatsiro rwehurumende. Nyoreswa nehofisi yako yenyika kana yenharaunda yedambudziko nekukasika sekugona kwako rubatsiro rwaziviswa.
- Mahofisi esocial welfare. Munyika zhinji, ministry yesocial welfare kana social development inoshanda purogiramu yerubatsiro nemari pashure pematambudziko.
- Red Cross neRed Crescent. Masangano enyika anowanzopa rubatsiro rwedambudziko, mari, makiti ekuvanda, nezvinodiwa zvekuvaka.
- Mapoka erutendo nemasangano enharaunda. Mazhinji anoshanda mapurogiramu ezvokudya, kugadzirisa, nekuvakazve.
- Vashandisi nemasangano evashandi. Mamwe anopa mari yedambudziko kana kupamberidza mubairo.
- Mabhanga, credit unions, nevanokweretesa vemicrofinance. Vazhinji vanopa kumira kubhadhara kana mikwereti yedambudziko pashure pemadutu. Bvunza usati wapotsa kubhadhara.
- Mapurogiramu ezvirimwa nezvipfuwo. Varimi nevaredzi vanofanira kubvunza ministry yavo yekurima kana kuredza pamusoro perubatsiro rwedutu.
Ngwarira nevanokweretesa mari vasina pamutemo. Mukwereti une interest huru pashure pedambudziko unogona kugara nguva refu kupfuura kukuvara kwacho. Ona kudzivirira manyepo.
Rubatsiro rwedambudziko rwehurumende¶
Pashure pedambudziko guru, hurumende zhinji dzinopa rubatsiro nenzvimbo yekuvanda yedambudziko, imba yenguva pfupi, kugadzirisa kwakajairika, zvokudya, mari, kana mikwereti ine interest shoma. Mapurogiramu, mitemo, nema deadline anosiyana nenyika, uye dzimwe nguva nedunhu. Rubatsiro runogona kuva mari yakamiswa kuimba imwe neimwe yakuvara, zvinodiwa zvekuvaka, mari yakatumirwa kuakaunti yebhanga kana mobile money wallet, kana ma voucher.
- Teerera zviziviso kubva kuhofisi yako yenyika yedambudziko, hurumende yenharaunda, neredhiyo yepamutemo.
- Bvunza hofisi yako yehurumende yenharaunda, mutungamiri wemusha kana nharaunda, kana relief center kuti unyoreswa sei.
- Nyoreswa imba imwe neimwe zvakasiyana kana mhuri inopfuura imwe ichigoverana imba.
- Chengeta humbowo hwekuti uri ani uye kwaugere. Kana magwaro ako akarasika, bvunza kuti unyoreswa sei pasina iwo. Mapurogiramu mazhinji ane nzira.
- Nyoreswa nekukasika, uye uchengete kopi kana mufananidzo wezvese zvaunotuma.
Kana usina chokwadi kana purogiramu rinoshanda, bvunza nzvimbo nhatu: hofisi yako yehurumende yenharaunda, hofisi yako yenyika yedambudziko, uye Red Cross kana Red Crescent. Bvunza imwe neimwe chayonyoresa, magwaro ayoda, uye deadline yayo. Nyora mhinduro.
Application zhinji dzinobvunza zvinhu zvakafanana: gwaro reID, humbowo hwekero, zvinodiwa zvebhanga, mifananidzo yekukuvara, uye sarudzo yemushandisi wako wainishuwarenzi kana uinayo. Kana wakarasikirwa nemagwaro ako, kudzokera kumba pashure pehurricane rinotsanangura nzira dzekuratidza kwaugere. Peji rako renharaunda rine mahofisi kwaugere.
MuUnited States¶
FEMA Individual Assistance inowanikwa mu counties dzatemwa mu presidential major disaster declaration. Nyoreswa kunyange uine inishuwarenzi, kunyange uchifunga kuti hausikodzere. Kunyoreswa hakudi mari.
- Nyoreswa online pa https://www.disasterassistance.gov, kuburikidza neFEMA App, kana ufonere FEMA Helpline pa1-800-621-3362.
- Iva nerakagadzirira: nhamba yako yeSocial Security, kero yeimba yakuvara, kwauri kugara izvozvi, zvinodiwa zveinishuwarenzi, tsananguro yekukuvara, zvinodiwa zvebhanga rako kune direct deposit, uye nhamba yefoni FEMA inogona kukuwana nayo.
- FEMA inotema deadline yeapplication kudambudziko rimwe nerimwe, saka nyoreswa nekukasika.
- Rubatsiro rweFEMA runodzivirira zvinodiwa zvakajairika, zvisina kudzivirirwa, senge imba yenguva pfupi, kugadzirisa kwakajairika, uye mitengo mimwe yezvinhu zvako, zvemurapo, nezveburial. Haisi kutsiva inishuwarenzi uye haizobhadhara kurasikirwa inishuwarenzi yatodzivirira.
- Kana uine inishuwarenzi, isa claim yako uye utumire kuFEMA sarudzo yemushandisi wako. FEMA inogona kubatsira nezvisina kudzivirirwa neinishuwarenzi.
- Kana FEMA ikaramba, verenga tsamba. Kurambwa kwakawanda ndekwemagwaro asipo. Unogona kukwidza mhaka zvakanyorwa mukati memazuva 60 kubva pamusi uri patsamba.
SBA disaster loans ndemikwereti ine interest shoma kuvene vemba nevanorenda, kwete mabhizimisi chete. Vene vemba vanogona kukwereta kusvika ku\(500,000 kugadzirisa imba huru, uye vene vemba nevanorenda vanogona kukwereta kusvika ku\)100,000 kutsiva zvinhu senge furniture, zvipfeko, nemota. Miganho nemitemo yemikwereti inogona kuchinja, saka tarisa nhamba dzazvino pa https://www.sba.gov usati wanyoreswa. Vene vemabhizimisi vanofanirawo kuverenga peji redu rebhizimisi diki.
Inishuwarenzi yemafashamo. Kana uine polisi yemafashamo kuburikidza neNational Flood Insurance Program, kazhinji unofanira kutumira signed, sworn proof of loss mukati memazuva 60 pashure pemusi wekurasikirwa, kunyange usingabvumirani neyero ye adjuster. Bvunza mushandisi wako wemafashamo pamusoro pe deadline izvozvi.
Rubatsiro rumwe. Dayarisa 211 kusevhisi dzenharaunda, fonera American Red Cross pa1-800-733-2767, uye ushanyire disaster recovery center kubvunza mibvunzo pachako.
Chengeta rondedzero yakanyorwa yefoni rega rega¶
Kuvandudza kunoreva mafoni nemameseji akawanda nevashandisi vainishuwarenzi, mahofisi erubatsiro, vagadziri, vapanga, nemabhanga. Chengeta notebook kana note pafoni yako ine:
- Musi nenguva
- Ndiani wawataura naye, neID kana extension yavo
- Zvakataurwa uye zvakapikirwa
- Nhamba dzako dzeclaim, case, kana registration
Tevera mafoni anokosha neemail pfupi kana mesheji inodzokorora zvabvumiranwa. Rondedzero iyi inogadzirisa gakava mwedzi gare gare kana vashandi vachichinja uye ndangariro dzichinyangarika.
Chengeta mareseti ezvese¶
Chengeta mareseti etapurin, plywood, zvinodiwa zvekuchenesa, zvishandiswa, vagadziri, mafuta ejenareta, kugara muhotera, meal muchidzimwa, nekuchengeta. Mapolisi mazhinji anobhadhara mitengo yekugara yakawedzera imba yako isingagarike, uye mapurogiramu mamwe erubatsiro anodzivirirawo mitengo iyi. Tora mufananidzo wereseti rega rega paunoriwana, nekuti bepa rinoora uye rinonyorova.