ʻInisiua afā mo e ngaahi tohi mahuʻinga¶

ʻOku tokoni ʻa e peesi ko ʻeni ke ke vakai ki hoʻo ʻinisiua afā mo maluʻi hoʻo ngaahi tohi mahuʻinga kimuʻa ʻi he faʻahitaʻu. ʻOku fiemaʻu ʻe he ongo meʻa ni ha ngaahi houa siʻi ʻi ha māhina nonga pea ʻe lava ke fakahaofi ai ha ngaahi uike ʻo e faingataʻa hili ha afā.

ʻOku kehekehe ʻa e ngaahi tuʻutuʻuni, ngaahi faʻahinga ʻinisiua mo e ngaahi ʻaho fakaʻosi ʻi he fonua mo e kautaha. Ngāueʻaki ʻa e peesi ko ʻeni ko ha lisi ʻo e ngaahi fehuʻi ke fai, pea maʻu ʻa e ngaahi tali mei hoʻo kautaha ʻinisiua mo hoʻo kau ʻōfisa fakalotofonua.

Kapau te ke fai pē ha meʻa ʻe tolu¶

1. Fehuʻi tohi ki hoʻo kautaha ʻinisiua pe ʻoku kau ʻi hoʻo ʻinisiua ʻa e lōmaki mo e hake ʻa e tahi ʻi he afā. ʻOku ʻikai kau ia ʻi ha ngaahi ʻinisiua lahi.
2. Hiki ha vitiō ʻo e loki kotoa pē pea tauhi ia ʻi tuʻa mei ho ʻapi.
3. ʻAi ha ngaahi tatau ʻo hoʻo kaati fakaʻilonga, ngaahi pepa ʻo e kelekele mo e koloa, ʻinisiua mo e ngaahi pepa fakafaitoʻo ʻi ha kato ʻoku ʻikai hū ki ai ʻa e vai, pea tauhi ha ngaahi tatau fakaʻilekitulōnika ʻi ha feituʻu malu.

ʻInisiua: ko e ngaahi fehuʻi ke fai¶

Ko e hā ʻoku kau ʻi hoʻo ʻinisiua¶

Ko ha ʻinisiua ʻapi ʻoku faʻa maluʻi ai ʻa e fale mo hoʻo ngaahi koloa mei he ngaahi fakatuʻutāmaki ʻoku lisi ʻi ai. ʻOku faʻa kau ai ʻa e maumau ʻi he matangi, ka ʻoku faʻa ʻikai kau ai ʻa e lōmaki. Ko ha ʻinisiua ki he kau totongi fale nofo pe ki he ngaahi koloa ʻoku maluʻi ai hoʻo ngaahi koloa mo hoʻo fatongia fakalao, ʻo ʻikai ko e fale.

Kumi ʻa e peesi fakamatala ʻo hoʻo ʻinisiua (policy schedule pe declarations page). ʻOku lisi ai ʻa e meʻa ʻoku maluʻi, ngaahi fakangatangata mo e konga ʻoku ke totongi kimuʻa. Kapau ʻoku ʻikai ke ke maʻu ia, fehuʻi ki hoʻo ʻēsenite pe hū ki he uepisaiti ʻa hoʻo kautaha ʻinisiua, pea kole ha tatau.

Fai ʻa e ngaahi fehuʻi ko ʻeni pea tohi hifo ʻa e ngaahi tali:

• ʻOku maluʻi ʻe he ʻinisiua ʻa e maumau ʻi he matangi mei ha afā kuo fakahingoa, taifuni pe saikolone?
• ʻOku maluʻi ai ʻa e lōmaki mei he ʻuha, vaitafe pe hake ʻa e tahi ʻi he afā? Kapau ʻoku ʻikai, ʻe lava ke u tānaki ia?
• Ko e hā ʻa e konga ʻoku ou totongi kimuʻa (deductible pe excess) ki he maumau ʻi he afā, ʻi ha lahi moʻoni ʻo e paʻanga?
• ʻOku maluʻi ʻa e fale ki he totongi kakato ke toe langa ia he ʻaho ni, ʻo ʻikai ko e meʻa naʻa ku totongi ki ai?
• ʻOku maluʻi ʻeku ngaahi koloa ʻi he totongi ke fetongi (replacement cost), pe ʻi honau mahuʻinga hili hono ngāueʻaki (actual cash value)?
• ʻOku totongi ʻe he ʻinisiua ha feituʻu ke u nofo ai kapau ʻe ʻikai lava ke u nofo ʻi ʻapi?
• ʻOku maluʻi ai ʻa e meʻakai ʻoku mole ʻi ha mate ʻa e ʻuhila, maumau mei he ngaahi ʻakau kuo tō, pe mole ʻa e totongi fale nofo?
• ʻOku ʻi ai ha ngaahi tuʻutuʻuni ʻoku pau ke u fakakakato, hangē ko hono ʻai ʻo e ngaahi puipui matapā sioʻata kimuʻa ʻi ha afā?
• Ko fē taimi ʻe ʻikai toe lava ai ke u fakatau pe liliu ʻa e maluʻi ʻi he taimi kuo tala ai ha afā?
• Ko e hā ʻa e fika telefoni ki he kole totongi (claims), pea ʻoku ʻi ai ha ʻapi (app) pe uepisaiti ki he kole totongi?

Lōmaki¶

Ko e lōmaki ko e taha ia ʻo e ngaahi faʻahinga maumau angamaheni taha mo mamafa taha ʻi he afā, pea ʻoku ʻikai kau ia ʻi ha ngaahi ʻinisiua ʻapi mo e ʻinisiua kau totongi fale nofo angamaheni lahi. ʻI ha niʻihi ʻo e ngaahi fonua, ko e maluʻi lōmaki ko ha meʻa tānaki ia ki ha ʻinisiua ʻapi. ʻI ha niʻihi kehe, ko ha ʻinisiua kehe ia pe ʻoku fakatau atu ʻi ha polokalama ʻa e puleʻanga.

ʻOku ʻikai pau ke ke nofo ʻi ha feituʻu lōmaki kuo ʻi he mape ke ke fiemaʻu ia. ʻOku fakalōmakiʻi ʻe he hake ʻa e tahi ʻi he afā mo e ʻuha lahi ʻa e ngaahi ʻapi ʻoku mamaʻo mei he ngaahi feituʻu lōmaki kuo ʻiloa.

Konga ʻoku ke totongi kimuʻa ki he afā¶

ʻOku ʻi ai ʻi ha ngaahi ʻinisiua lahi ʻi he matātahi ha konga ʻoku ke totongi kimuʻa makehe ki he afā, taifuni, saikolone pe matangi mālohi. ʻOku faʻa ko ha peseti ia ʻo e mahuʻinga kuo ʻinisiua ʻo ho ʻapi ʻo ʻikai ko ha lahi pau. Hangē ko ʻeni, ko e peseti ʻe 5 ʻo ha ʻapi kuo ʻinisiua ki he 200,000 ko e 10,000 ia ʻo hoʻo paʻanga pē ʻaʻau kimuʻa pea totongi ʻe he kautaha ʻinisiua.

Kumi ʻa e peseti ʻi hoʻo ʻinisiua pea fakafuofua ʻa e lahi moʻoni. Fehuʻi pe ko e hā ʻoku kamata ai, he ʻoku ngāue ha niʻihi ʻi he taimi pē kuo fakahingoa ai ha afā pe kuo ʻoatu ha fakatokanga. Kapau he ʻikai lava ke ke totongi ia mei hoʻo paʻanga tauhi, fehuʻi ki hono liliu pe kamata ke tauhi ha paʻanga.

Ngaahi faʻahinga maluʻi kehe¶

• ʻInisiua ki he ngaahi koloa pe ki he kau totongi fale nofo ʻoku ne maluʻi hoʻo ngaahi koloa neongo ʻoku ʻikai ʻaʻau ʻa e fale. ʻOku faʻa maʻamaʻa. Vakai ki he kau totongi fale nofo mo e ngaahi ʻapātimeni.
• Ngaahi kiʻi ʻinisiua ki he ngaahi fāmili mo e ngaahi kiʻi pisinisi ʻoku fakatau atu ʻi ha niʻihi ʻo e ngaahi fonua, kau ai ʻa e ngaahi ʻinisiua ʻoku ne totongi vave ha lahi pau ʻi he taimi ʻoku aʻu ai ha afā ki ha mālohi pau ʻi ho ofi. Fehuʻi ki he ngaahi kautaha ʻinisiua, pangikē, ngaahi kautaha nō paʻanga fakakolo (credit unions) mo e ngaahi kulupu tō ngoue pe ko e hā ʻoku ʻi ai ʻi he feituʻu ʻokú ke nofo ai.
• ʻInisiua kā ʻe maluʻi nai ai ʻa e maumau ʻi he lōmaki mo e matangi ki he kā ʻi he maluʻi kakato (comprehensive cover) pē. Vakai ki ai.
• ʻInisiua pisinisi ʻe kau nai ai ʻa e mole ʻa e paʻanga hū mai. Vakai ki he ngaahi kiʻi pisinisi.

ʻI ʻAmelika¶

Ko e lahi taha ʻo e ngaahi ʻinisiua lōmaki ʻoku haʻu ia mei he National Flood Insurance Program (NFIP), ʻoku pule ki ai ʻa FEMA, pea ʻoku fakatau atu ʻe he kau ʻēsenite ʻinisiua angamaheni. ʻOku ʻi ai foki mo e ngaahi ʻinisiua lōmaki taautaha. ʻE lava ʻe he kau totongi fale nofo ʻo fakatau ha maluʻi lōmaki ki heʻenau ngaahi koloa.

Ko ha ʻinisiua NFIP foʻou ʻoku faʻa ʻikai kamata ngāue kae ʻoua ke ʻosi ha ʻaho ʻe 30 hili hoʻo fakatau ia, mo ha ngaahi meʻa siʻi makehe, hangē ko ha ʻinisiua naʻe fakatau ʻi hoʻo toʻo pe fakafoʻou ha moʻua fale (mortgage). Vakai ki he floodsmart.gov ki he ngaahi tuʻutuʻuni lolotonga, pea fakatau ʻi ha taimi lōloa kimuʻa ʻi he faʻahitaʻu.

ʻI tuʻa mei ʻAmelika, vakai ki hoʻo peesi tokoni fakalotofonua pea fehuʻi ki hoʻo kautaha ʻinisiua.

Vakaiʻi hoʻo maluʻi ʻi he taʻu kotoa¶

Kimuʻa pea kamata ho faʻahitaʻu:

• Lau ʻa e peesi fakamatala ʻo e ʻinisiua pea tohi ʻa e konga ʻoku ke totongi kimuʻa ki he afā ko ha lahi moʻoni
• Vakai ʻoku tatau ʻa e lahi ke toe langa mo e totongi langa ʻo e ʻaho ni
• Maʻu ha fakafuofua totongi lōmaki kapau ʻoku ʻikai haʻo maluʻi lōmaki
• Tānaki ha ngaahi koloa mahuʻinga foʻou, hangē ko ha naunau foʻou pe ngaahi meʻangāue, ki he ʻinisiua kapau ʻoku fiemaʻu
• Totongi pe fokotuʻu ha totongi fakaʻotomētiki koeʻuhi ke ʻoua naʻa ngata ʻa e ʻinisiua lolotonga ʻa e faʻahitaʻu
• Tauhi ʻa e fika kole totongi mo e fika ʻo e ʻinisiua ʻi ho telefoni mo e pepa

Ngaohi ha lisi koloa ʻi ʻapi¶

Ko ha lisi koloa ʻi ʻapi ko e fakamoʻoni ia ʻo e meʻa naʻe ʻaʻau. Hili ha afā, ʻoku vave ange ai ʻa e kole totongi pea faingataʻa ange ke fakafepakiʻi. ʻOku tokoni foki ia kapau te ke kole ha tokoni mei he puleʻanga.

Ko e founga vave taha ko e vitiō:

1. Lue māmālie ʻi he loki kotoa pē. Fakaava ʻa e ngaahi kāpoti, ngaahi toloa mo e ngaahi kāpoti ʻi he holisi.
2. Lea leʻo lahi pe ko e hā ʻa e meʻa taki taha mo e meimei taimi naʻa ke fakatau ai.
3. Fakaofi ki he hingoa ʻo e kautaha, mōtele mo e fika fakaʻilonga (serial number) ʻo e ngaahi meʻa fakaʻilekitulōnika mo e ngaahi naunau.
4. Hiki ʻa e tuʻa ʻo e fale, ʻa e ʻato kapau te ke lava ʻo fai malu, ʻa e ʻapi, ngaahi kā, vaka mo e ngaahi meʻangāue.
5. Faitā ʻa e ngaahi lesiti ki ha meʻa pē ʻoku mamafa.

Tauhi ʻa e ngaahi faile ʻi ha feituʻu ʻe ua ki ʻolunga ʻi tuʻa mei he ʻapi, hangē ko e tauhiʻanga ʻi he ʻao (cloud storage) mo ha tatau kuo fekau ki hoʻo tokotaha fetuʻutaki ʻi tuʻa mei ho feituʻu. Fakafoʻou ʻa e vitiō ʻo tuʻo taha ʻi he taʻu pea hili ha ngaahi fakatau lalahi.

Ngaahi tohi ke maluʻi¶

ʻOku faingataʻa ke fetongi ʻa e ngaahi pepa hili ha afā, tautautefito kapau kuo tāpuni ʻa e ngaahi ʻōfisi pea ʻoku ʻikai haʻo fakamoʻoni pe ko hai koe. Maluʻi kinautolu ʻi ha founga ʻe tolu: ko e ngaahi tohi totonu ʻi ha feituʻu malu mo mōmoa, ngaahi tatau ʻi hoʻo kato teuteu, mo e ngaahi tatau fakaʻilekitulōnika ʻoku tauhi malu.

Fakaʻilonga mo e fāmili¶

• Ngaahi kaati fakaʻilonga fakafonua, laiseni faka kā mo e paasipooti ʻo e tokotaha kotoa
• Ngaahi tohi fakamoʻoni fāʻeleʻi mo e mali, mo e ngaahi pepa ohi pe tauhi fānau
• Ngaahi fika social security, national insurance pe tukuhau (ngaahi kaati Social Security ʻi ʻAmelika)
• Ngaahi ngofua nofo, visa pe ngaahi pepa hiki fonua
• Ngaahi tā foʻou ʻo e mēmipa taki taha ʻo e fāmili mo e monumanu ʻapi, telia naʻa mou mavaheʻi

ʻApi mo e koloa¶

• Tohi kelekele (deed), tohi fakamoʻoni ʻo e kelekele (land title) pe fakamoʻoni ʻoku ʻaʻau
• Aleapau moʻua fale pe aleapau totongi fale nofo, mo e ngaahi fakaikiiki fetuʻutaki ʻo e tokotaha ʻoku ʻaʻana ʻa e fale
• Ngaahi ʻinisiua: ʻapi, kau totongi fale nofo, lōmaki, kā, moʻui lelei, moʻui (life)
• Lesisita mo e ngaahi tohi fakamoʻoni ʻo e kā mo e vaka
• Vitiō ʻo e lisi koloa ʻi ʻapi pe ha link ki ai

Kapau ʻoku ʻikai haʻo ngaahi pepa fakalao ki ho kelekele pe ʻapi, tauhi ha meʻa pē ʻoku fakahā ai ʻokú ke nofo ai: ngaahi pili ʻuhila mo e vai, ngaahi lesiti tukuhau, ngaahi tohi mei he kau taki fakalotofonua, mo e ngaahi tā ʻo ho ʻapi ʻoku ʻi ai hono ʻaho. ʻE lava ke tokoni ia ʻi he taimi ʻoku tufa ai ʻa e tokoni.

Moʻui¶

• Ha lisi ʻo e ngaahi faitoʻo, lahi ʻo e inu, ʻaleluki mo e ngaahi tuʻunga fakafaitoʻo ʻo e tokotaha taki taha
• Ngaahi tohi faitoʻo mo e ngaahi kaati ʻinisiua moʻui
• Ngaahi lekooti huhu malu, kau ai ʻa e ngaahi lekooti ʻa e fānau
• Ngaahi fakaikiiki fetuʻutaki ʻo e toketā, kiliniki mo e falekoloa faitoʻo
• Ngaahi lekooti ki he naunau fakafaitoʻo, hangē ko e kautaha mo e mōtele ʻo ha misini ʻokesikeni pe saliote teketeke

Paʻanga¶

• Ngaahi fika ʻakauni pangikē, kaati moʻua mo e nō, mo e ngaahi fika telefoni ke fetuʻutaki ki ai
• Tohi tukuhau fakamuimui pe ngaahi laʻi pepa vāhenga, ʻa ia ʻe fiemaʻu nai ke kole ai ha tokoni
• Ngaahi fakaikiiki ʻo e penisoni, tokoni pe polokalama tokoni fakasōsiale
• Ha kiʻi paʻanga (cash) ʻi he ngaahi nouti īkiʻi, he ʻoku tuʻu ʻa e ngaahi misini kaati mo e ngaahi misini toʻo paʻanga ʻo ʻikai ha ʻuhila

Fakalao¶

• Ngaahi tohi fakaʻosi (wills), ngaahi mafai fakalao ke fai maʻau (powers of attorney) mo e ngaahi fakahinohino kimuʻa ki he tokangaʻi fakafaitoʻo
• Ngaahi lekooti huhu malu ʻo e fanga monumanu ʻapi mo e ngaahi fika maikolosipi
• Ha lisi tohi ʻo e ngaahi fika telefoni mahuʻinga

Tauhi malu kinautolu¶

Ngaahi tohi totonu: Tauhi kinautolu ʻi ha puha ʻoku ʻikai hū ki ai ʻa e vai mo e afi pe ha kato palasitika kuo silaʻi ʻi loto ʻi ha ipu, ʻi ha fata māʻolunga mamaʻo mei he tuʻunga ʻe aʻu ki ai ʻa e lōmaki. Kapau ʻoku ʻi ai haʻo puha malu ʻi he pangikē (safe deposit box), vakai pe ʻoku ʻi ha feituʻu lōmaki ʻa e pangikē.

Ngaahi tatau pepa: ʻAi ʻa e ngaahi tatau ʻi ha kato sipa ʻoku ʻikai hū ki ai ʻa e vai ʻi hoʻo kato teuteu.

Ngaahi tatau fakaʻilekitulōnika: Sikeni pe faitā ʻa e tohi kotoa pē pea tauhi kinautolu ʻi ha feituʻu malu ʻe taha ki ʻolunga, hangē ko e tauhiʻanga ʻi he ʻao mo ha lea fufū mālohi mo e hū ʻi ha sitepu ʻe ua (two step sign in), pe ha flash drive kuo fakafufū (encrypted). ʻOange ki ha kāinga falalaʻanga ʻi tuʻa mei he feituʻu, pe ʻi muli, ʻa e faingamālie ke maʻu ha tatau.

Hili ʻa e afā¶

Lipooti ʻa e maumau ki hoʻo kautaha ʻinisiua vave taha te ke lava. Faitā ʻa e maumau kimuʻa pea ke fakamaʻa, tauhi ʻa e ngaahi meʻa kuo maumau kae ʻoua kuo sio ki ai ʻa e tokotaha vakai ʻinisiua (adjuster) kapau ʻoku malu ke fai pehē, pea tauhi ʻa e lesiti kotoa pē ki he ngaahi monomono, hōtele mo e meʻakai. Lau ʻa e ʻInisiua mo e tokoni hili ha afā ki he ngaahi sitepu, mo e Fakaʻehiʻehi mei he ngaahi kākā kimuʻa pea ke fakamoʻoni ha meʻa mo ha tokotaha langa.

Ngaahi fakahinohino felāveʻi¶

• Palani teuteu ki he afā
• Teuteu ki ha afā ʻi ha paʻanga siʻi
• Kato teuteu ki he afā
• ʻInisiua mo e tokoni hili ha afā
• Fakaʻehiʻehi mei he ngaahi kākā