Tsibela kumxholo

Izibango zenshuwarensi yesiqhwithi kunye noncedo lwentlekele

I-hurricane, i-typhoon kunye ne-tropical cyclone zisisiqhwithi esinye, kuphela amagama awohlukileyo kuwandle ngawandle. Konke okukule sikhokelo kusebenza kuzo zonke.

Imali yokulungisa kunye nokuchacha emva kwesiqhwithi, i-typhoon, okanye i-cyclone ngesiqhelo ivela kwinshuwarensi, uncedo lorhulumente, amaziko oncedo, okanye ixube lazo zontathu. Oko ukwenza kwiintsuku zokuqala, ngaphambi kokuba nabani na akhangele umonakalo, kwenza umahluko omkhulu ngakumbi. Eli phepha likubonisa indlela yokubhala ukulahlekelwa kwakho, ukufaka isibango, kunye nokufumana uncedo, nokuba unenshuwarensi okanye akunayo.

Ukuba wenza izinto ezintathu kuphela

  1. Thatha ifoto kunye nevidiyo yomonakalo wonke ngaphambi kokuba ucoce okanye ulahle nantonkhe.
  2. Qhagamshelana nenshuwarensi yakho kananjalo ubhalise uncedo lorhulumente kwangoko ukunako, nokuba kungekakho kuqondakala umonakalo opheleleyo.
  3. Gcina irisiti nganye, kananjalo ubhale umnxeba ngamnye: umhla, igama, kunye noko kwathethwa.

Iveki yakho yokuqala, ngokulandelelana

  • Yenza ikhaya likhuselekile kananjalo uyekise umonakalo ongakumbi ngokulungisa kwexeshana, njengetarpu okanye amaplanga. Gcina iirisiti.
  • Thatha ifoto kunye nevidiyo yayonke into. Yigcine iifayile kwindawo yesibini.
  • Qhagamshelana nenshuwarensi yakho ukuvula isibango. Bhala inombolo yakho yesibango.
  • Bhalisa kwiprogram yorhulumente wakho yoncedo lwentlekele kwangoko ivula, ukuba ikho apho uhlala.
  • Qhagamshelana nebanki yakho okanye umboleki ukuba unebhondi okanye imali yemali ebolekiweyo ekhaya.
  • Qalisa ifolda yokuchacha ngeeirisiti, iincwadi, kunye noluhlu lwemnxeba.
  • Buza urhulumente wakho wendawo, i-Red Cross okanye i-Red Crescent, kunye namaqela oluntu ngoncedo olufumanekayo.

Bhala yonke into ngaphambi kokucoca

Iinkampani zenshuwarensi kunye namaziko oncedo zihlawula umonakalo ezinganokuwubona okanye ongawungqina. Xa ikhaphathi emanzini sele ikuloko lwendlu, kuba nzima ngakumbi ukungqina.

  • Thatha iifoto ezibanzi zegumbi ngalinye kusuka emnyango, emva koko ezisondeleyo zeendawo kunye nezinto zonakalisiweyo.
  • Thatha ifoto yomgca wamanzi emacangweni usebenzisa itepu yokulinganisa okanye umntu ecaleni ngokulinganisa.
  • Hamba ngaphakathi uthatha ividiyo, uthetha oko ukubonayo.
  • Thatha ifoto yangaphandle: uphahla, amacango, iifestile, igadi, iifenisi, iideki, izithuthi, iikhanoyi, izityalo, kunye nezilwanyana.
  • Thatha ifoto yeenombolo zesirayeli kunye namalebhile emodeli kwizixhobo kunye nee-electronics.
  • Bala izinto ezonakalisiweyo ngeminyaka eqikelelweyo, apho uzithengile, kunye noko zazixabisa.
  • Gcina isampuli encinane yezinto ezonakalisiweyo, njengecandelo lekhaphathi okanye uphahla, ukuba unako.

Ifowuni yakho igcina umhla kunye nexesha nefoto nganye, oko kunceda ukubonisa xa umonakalo wenzekileyo. Gcina iifayile zemvelo, kananjalo musa kuzisika okanye uzitshintshe.

Gcina iifoto zakho kwindawo yokugcina yesibhakabhaka okanye uzithumele kuwe ngeiposi okanye ngeapp yomyalezo, ukuze zisinde ukuba ifowuni yakho ingasindi. Ukuba wenza uluhlu lwempahla ekhaya ngaphambi kwesiqhwithi, lufumane ngoku. Ukuba awenzanga, iifoto ezindala zekhaya lakho kwifowuni okanye kwisocial media zinganceda ukubonisa oko ubunakho.

Izibango zenshuwarensi

Qhagamshelana nenshuwarensi yakho ngoko nangoko

Emva kwesiqhwithi esikhulu, iinkampani zenshuwarensi zifumana amawaka ezibango, kananjalo ziwaphatha ngokulandelelana oko afika ngako. Fowunela inombolo yezibango kwipholisi yakho, usebenzise iapp okanye iwebhsayithi yenkampani, okanye uqhagamshelane negosa okanye umthengisi owakuthengisela ipholisi.

Gcina ezi nkcukacha zilungele, okanye uzibhale njengoko uzifumana:

  • Inombolo yakho yepholisi, kunye nedilesi yempahla eyonakalisiweyo
  • Umhla kunye nembangela yomonakalo, ngokwazi kwakho
  • Uluhlu olumfutshane lwento eyonakalisiweyo
  • Apho uhlala ngoku, kunye nenombolo yefowuni enkampani yenshuwarensi inganokukufikelela ngayo

Yixelele oko ukwaziyo ngoku. Unganokongeza inkcukacha kamva. Cela:

  • Inombolo yakho yesibango
  • Igama kunye neenkcukacha zoqhagamshelwano lwomlinganiselo womonakalo okanye umvavanyi wokulahlekelwa
  • Oko bayidinga kuwe, kunye noxesha
  • Ukuba ipholisi yakho ihlawula indawo yokuhlala ngoxa ikhaya lakho alilunge ukuhlala
  • Ukuba ungaqala ukulungisa kwexeshana, kunye nesixa onga sichithe ngaphandle kokuvunywa

Ukuba uphulukene namaphepha epholisi, inkampani yenshuwarensi inganokufumana ipholisi yakho ngegama kunye nedilesi yakho. Iipholisi zininzi zidinga ukuba uxele umonakalo ngokukhawuleza, ngoko musa kulinda de ube neenkcukacha zonke.

Ukuba uqeshile, inshuwarensi yomnini-ndlu yakho iqubisana nesakhiwo, kananjalo inshuwarensi yakho yabaqeshi okanye yempahla, ukuba unayo, iqubisana nempahla yakho. Jonga abaqeshi kunye neeflethi.

Ukulungisa kwexeshana kuphambene nokungapheliyo

Uninzi lwepholisi ludinga ukuba uthathe amanyathelo asengqiqweni ukuyekisa umonakalo ongakumbi. Ukugubungela imingxuma ngetarpu, ukubhodisa iifestile ezaphukayo, kunye nokukhupha amanzi kulindelekile, kananjalo ixabiso ngesiqhelo liqubisana nalo. Thatha ifoto yomonakalo ngaphambi kokuwugubungela. Jonga imithi kunye neetarpu ukwenza oku ngokhuseleko.

Musa kuqalisa ukulungisa ongapheliyo ngaphambi kokuba umlinganiselo womonakalo akhangele, ngaphandle kokuba inshuwarensi ikuxelela ngokubhaliweyo ukuba unganakwenza oko. Musa kulahla izinto ezonakalisiweyo de umlinganiselo womonakalo azibone okanye athi kulungile. Ukuba kufuneka ulahle izinto ngenxa yempilo, njengokutya okubolileyo okanye ikhaphathi edinyiselwe umgutyana, zithathe ifoto kuqala kananjalo ugcine isampuli ukuba unako.

Isikhukula kuphambene nomoya

Oku kumangalisa abantu ngakumbi kunayinto nayiphi na. Kumazwe amaninzi, ipholisi yekhaya eqhelekileyo iqubisana nomonakalo womoya, kuquka imvula engena kumngxuma umoya awenza. Iipholisi zininzi azingenisi amanzi anyukayo evela kumaza amakhulu edhoruba, imilambo, okanye isikhukula esikhawulezileyo. Oko ngesiqhelo kudinga umgangatho ozimeleyo wesikhukula, okanye inketho yesikhukula eyongezwe kwipholisi.

Oko kuqubisanwa nako kuyahluka kakhulu phakathi kwamazwe kunye nokunye pholisi ngopholisi. Funda icandelo lepholisi yakho ngesikhukula, isiqhwithi, kunye nomonakalo wamanzi, kananjalo ubuze inshuwarensi yakho ukuchaza oko kusebenzayo. Ukuba unesimboniso somoya kunye nesikhukula, unganokuba nezibango zimbini kunye nabalinganiseli bomonakalo babini, kananjalo banganokungavumelani ngoko kwabangela umonakalo omnye omnye. Iifoto zakho zomgca wamanzi kunye nomonakalo wophahla zibaluleke apha.

Ukwehla kwentlawulo kunye nosuthi

I-deductible, ebizwa i-excess kwimazwe athile, yiyo inxalenye yesibango ngasinye oyihlawula wena ngokwako. Iipholisi ezininzi zinedeductible eyahlukileyo, enkulu ngakumbi, ngeziqhwithi, iityphoon, i-cyclone, okanye izaziso zesiqhwithi. Ngesiqhelo iyipesenti yexabiso elinshuwarensiweyo lekhaya kunesixa esimisiweyo. Khangela ipholisi yakho ukuze inombolo ingabi yisothuko.

Ukusebenza nomlinganiselo womonakalo

  • Yiba apho ngexesha lokukhangela ukuba unako, okanye uthume umntu omthembileyo.
  • Hambisa umlinganiselo womonakalo kwigumbi ngalinye, uphahla, indawo engaphantsi kophahla, kunye nezindlu zangaphandle. Mbonise iifoto zakho kunye noluhlu.
  • Khombisa umonakalo olula ukuwuphosa, njengokuzala okumanzi, imigangatho egoqekileyo, kunye nemathili eqhekekileyo.
  • Cela ikopi yeripoti yabo kunye nesiqikelelo.
  • Fumana amaxabiso obhaliweyo awakho okulungiswa kubachweli-mhlonishwa abanelayisensi ukuba unako.

Ukuba awuvumelani ngenikezelo

Awunyanzelekile ukwamkela inikezelo lokuqala. Cela inshuwarensi ukuba ichaze, ngokubhaliweyo, indlela efumene sixa ngayo kunye namacandelo epholisi athembeleyo kuwo. Thumela amaxabiso kunye neefoto zakho ngokwako kananjalo ucele uphononongo.

Ukuba oko akusebenzi, uninzi lwamazwe lunendlela yokukhalaza: inkqubo yokukhalaza yangaphakathi, i-ombudsman yenshuwarensi okanye inkonzo yempikiswano, okanye iofisi yorhulumente eliwla iinkampani zenshuwarensi (isebe lenshuwarensi lesithili eMelika). Abanye abantu baqesha umvavanyi wokulahlekelwa ozimeleyo okanye umlinganiselo womonakalo woluntu, othatha isabelo sentlawulo, ngoko funda isivumelwano ngenkathalo ngaphambi kokutyikitya.

Imabhondi kunye noxilongo lwenshuwarensi

Ukuba unebhondi, inshuwarensi inganokwenza intlawulo kuwe nomboleki wakho ngokufanayo. Umboleki unganokubamba imali kananjalo ayikhulule kumanyathelo njengoko kulungiswa. Qhagamshelana nomboleki wakho kwangoko, ubuze indlela aphatha izibango zesiqhwithi, kananjalo ubuze ukuba angayeka okanye anciphise iintlawulo ngoxa uchacha. Ababoleki abaninzi banamaprogram ancedayo emva kweentlekele.

Iimpazamo eziqhelekileyo ukuziphepha

  • Ukulahla izinto ngokukhawuleza. Gcina izinto ezonakalisiweyo de umlinganiselo womonakalo azibone, ngaphandle kokuba ziyingozi yempilo. Zithathe ifoto kuqala.
  • Ukucinga ukuba umonalo womoya uquka isikhukula. Khangela ipholisi yakho ngesikhukula ngokuzimeleyo, kananjalo ubuze inshuwarensi ngokubhaliweyo oko kusebenzayo.
  • Ukuphosa umhla womda. Izibango zesikhukula kunye noncedo lwentlekele zihlala zinemihla yomda elinganiswa ngeeveki. Bhala umhla ngasinye ngosuku olufundayo.
  • Ukwamkela inikezelo lokuqala ngaphandle kokubuza isizathu. Cela iripoti kunye nesiqikelelo, emva koko uzifanise namaxabiso akho.
  • Ukuyeka uncedo lorhulumente kuba unenshuwarensi. Faka isicelo nokuba kunjalo, kuba uncedo lunganokuqubisana neendleko ezithile inshuwarensi ingaziqubisani nazo.
  • Ukuqesha umchweli-mhlonishwa ofuna intlawulo enkulu ngaphambili. Funda ukuphepha amaqhinga ngaphambi kokutyikitya nantonkhe.

Ukuba awunenshuwarensi

Iintsapho ezininzi azinenshuwarensi yekhaya konke konke. Awuphelelwa iinketho.

  • Uncedo lorhulumente. Bhalisa kwiziko lentlekele lesizwe lakho okanye lendawo kwangoko uncedo luvakaliswa.
  • Iofisi yoluntu lempilo. Kumazwe amaninzi, isebe loluntu lempilo okanye uphuhliso loluntu liqhuba uncedo kunye nezibonelelo zemali emva kweentlekele.
  • I-Red Cross kunye ne-Red Crescent. Uluntu lwelizwe luhlala lunika uncedo lwesiqhuba-ngqondo, izibonelelo zemali, iikit zokuzimela, kunye nezixhobo zokwakha.
  • Amaqela onqulo kunye nemibutho yoluntu. Amaninzi aqhuba amaprogram okutya, ukulungisa, kunye nokwakha kwakhona.
  • Abaqeshi kunye nemibutho yabasebenzi. Abanye banika izibonelelo zentlekele okanye izixa zemvula yemali.
  • Iibanki, izixhobo zemali-mboleko, kunye nababoleki bemicrofinance. Abaninzi banika ikhefu lentlawulo okanye imali yemali ebolekiweyo yengxaki emva kweziqhwithi. Buza ngaphambi kokuphosa intlawulo.
  • Amaprogram ezityalo kunye nemfuyo. Abalimi kunye noobhabhalala kufuneka babuze isebe labo lezolimo okanye lentlanzi ngoncedo lwesiqhwithi.

Qaphela aboleki bemali abangenaxabiso elisemthethweni. Amatyala awoncedo ophezulu emva kwentlekele anganokuhlala ixesha elide kakhulu kunomonakalo. Jonga ukuphepha amaqhinga.

Uncedo lorhulumente lwentlekele

Emva kwentlekele enkulu, oorhulumente abaninzi banika uncedo lwendawo yokuzimela, indawo yokuhlala yexeshana, ukulungisa okusisiseko, ukutya, izibonelelo zemali, okanye imali yemali ebolekiweyo yoxinzelelo oluphantsi. Amaprogram, imithetho, kunye nemihla yomda ziyahluka ngokwelizwe, kananjalo ngamaxesha athile ngommandla. Uncedo lunganokuba ngesibonelelo esimisiweyo ngekhaya elonakalisiweyo, izixhobo zokwakha, imali ethunyelwe kwi-akhawunti yebanki okanye kwisikhwama semali yefowuni, okanye amavoucher.

  • Mamela izaziso ezivela kwiziko lentlekele lesizwe lakho, urhulumente wendawo, kunye neunomathotholo yesemthetho.
  • Buza iofisi yorhulumente wendawo yakho, inkokeli yedolophu okanye yoluntu, okanye iziko loncedo indlela yokubhalisa.
  • Bhalisa usapho ngalunye ngokwalo ukuba imizi ngaphezulu kwenye yabelana ikhaya.
  • Gcina ubungqina bobunguwe kunye nobuhlali bakho. Ukuba amaxwebhu akho alahleka, buza indlela yokubhalisa ngaphandle kwawo. Amaprogram amaninzi anendlela.
  • Faka isicelo kwangethuku, kananjalo ugcine ikopi okanye ifoto yayonke into oyithumeleyo.

Ukuba awuqinisekile ukuba liphi iprogram elisebenzayo, buza iindawo ezintathu: iofisi yorhulumente wakho wendawo, iziko lentlekele lesizwe lakho, kunye ne-Red Cross okanye i-Red Crescent. Buza ngalinye oko libhalisa, amaxwebhu alifunayo, kunye nomhla womda. Bhala impendulo.

Uninzi lweizicelo lubuza into enye: uxwebhu lobunguwe, ubungqina bedilesi, iinkcukacha zebanki yakho, iifoto zomonakalo, kunye nesigqibo senshuwarensi yakho ukuba unaso. Ukuba uphulukene namaxwebhu akho, ukubuyela ekhaya emva kwesiqhwithi kuchaza iindlela zokungqina apho uhlala. Iiphepha lakho lendawo linoluhlu lwamaziko apho uhlala.

EMelika

I-FEMA Individual Assistance iba fumanekayo kumasithili abhalwa kwisimemezelo senkulu sentlekele semihlaba. Faka isicelo nokuba unenshuwarensi, kananjalo nokuba ucinga ukuba awunakufaneleka. Ukufaka isicelo akubizi mali.

  • Faka isicelo kuwebhsayithi ku-https://www.disasterassistance.gov, nge-FEMA App, okanye ngokufowunela i-FEMA Helpline ku-1-800-621-3362.
  • Gcina lungele: inombolo yakho ye-Social Security, idilesi yekhaya elonakalisiweyo, apho uhlala ngoku, iinkcukacha zenshuwarensi, inkcazo yomonakalo, iinkcukacha zebanki yakho ngesithobeli esiqondileyo, kunye nenombolo yefowuni i-FEMA inganokukufikelela ngayo.
  • I-FEMA imisela umhla womda wesicelo kwintlekele nganye, ngoko faka isicelo kwangethuku.
  • Uncedo lwe-FEMA luqubisana neemfuno ezisisiseko, ezingenanshuwarensi, njengendawo yokuhlala yexeshana, ukulungisa okusisiseko, kunye nemali enye yempahla yomntu, yezonyango, kunye nemingcwabo. Ayisilo isithako senshuwarensi kananjalo ayizukuhlawula ukulahlekelwa inshuwarensi isiyiqubisene nako.
  • Ukuba unenshuwarensi, faka isibango sakho kananjalo uthumele i-FEMA isigqibo senshuwarensi yakho. I-FEMA inganokunceda ngoko inshuwarensi engakuqubisananga nako.
  • Ukuba i-FEMA ikwala, funda ileta. Uninzi lwama-denial ziyimiphoswa yamaxwebhu. Unganokubhena ngokubhaliweyo kwiintsuku 60 kumhla okuleta.

Imali yemali ebolekiweyo yentlekele ye-SBA yimali yemali ebolekiweyo yoxinzelelo oluphantsi kubanini-zindlu kunye naboqeshi, hayi amashishini kuphela. Abanini-zindlu banganoboleka ukuya kuma-\(500,000 ukulungisa ikhaya eliphambili, kananjalo abanini-zindlu kunye naboqeshi banganoboleka ukuya kuma-\)100,000 ukutshintsha impahla njengefenitshala, impahla, kunye neemoto. Umgama wemali kunye nemithetho zinganotshintsha, ngoko khangela izixa zangoku ku-https://www.sba.gov ngaphambi kokufaka isicelo. Abanini-shishini nabo bafanele bafunde iphepha lethu leishishini encinci.

Inshuwarensi yesikhukula. Ukuba unepholisi yesikhukula nge-National Flood Insurance Program, ngesiqhelo kufuneka uthumele ubungqina obutyikitywe kwizibhalo zokulahlekelwa kwiintsuku 60 emva komhla wokulahlekelwa, nokuba awuvumelani nesiqikelelo somlinganiselo womonakalo. Buza inshuwarensi yakho yesikhukula ngomhla womda ngoko nangoko.

Uncedo olunye. Dayela i-211 ngeenkonzo zendawo, fowunela i-American Red Cross ku-1-800-733-2767, kananjalo utyelele iziko lokuchacha kwintlekele ukubuza imibuzo ngqo.

Gcina uluhlu olubhaliweyo lwemnxeba nganye

Ukuchacha kuthetha imnxeba kunye nemiyalezo emininzi kwinshuwarensi, amaziko oncedo, abachweli-mhlonishwa, abanini-zindlu, kunye neebanki. Gcina incwadi encinci okanye inote efowunini yakho ene:

  • Umhla kunye nexesha
  • Ngubani othethileyo naye, kunye ne-ID okanye extension yabo
  • Oko kwathethwa kunye noko kwathenjiswa
  • Inombolo yakho yesibango, isicelo, okanye ubhaliso

Landela umnxeba obalulekileyo nge-imeyile emfutshane okanye umyalezo ophinda oko kuvunyelweneyo. Lo luhlu lusombulula impikiswano kwiinyanga kamva xa abasebenzi batshintsha kananjalo inkumbulo iphela.

Gcina iirisiti ngayonke into

Londoloza iirisiti zeetarpu, iplywood, izixhobo zokucoca, izixhobo, abachweli-mhlonishwa, ifuel yejenereyitha, ukuhlala ihotele, izidlo ngoxa ungekho ekhaya, kunye nokugcina. Iipholisi ezininzi zihlawula iindleko ezongezelelweyo zokuphila ngoxa ikhaya lakho alilunge ukuhlala, kananjalo amaprogram amanye oncedo naweo aqubisana nazi iindleko. Thatha ifoto yerisiti nganye njengoko uyifumana, kuba iphepha liyafifiyela kananjalo liba manzi.