Yeqela kokuqukethwe

Izicelo zemishuwalense yesiphepho nosizo lwenhlekelele

Amahurikheni, amathayifuni, namasayikloni ezulu ahlobo lunye lwesiphepho, aqanjwa amagama ahlukene emawolwandle ahlukene. Konke okukulo mhlahlandlela kusebenza kuwo wonke.

Imali yokulungisa nokubuyisana ngemva kwesiphepho, ithayifuni, noma isayikloni ivamise ukuvela emshuwalenseni, usizo lohulumeni, izinhlangano zosizo, noma ingxube yakho kokuthathu. Okwenza izinsuku zokuqala, ngaphambi kokuba noma ubani ahlole umonakalo, kwenza umehluko omkhulu kakhulu. Leli khasi likukhombisa indlela yokuqopha ukulahlekelwa kwakho, ukufaka isicelo, nokuthola usizo, noma unawo yini umshuwalense.

Ukwenze izinto ezintathu kuphela

  1. Thatha izithombe namavidiyo womonakalo wonke ngaphambi kokuhlanza noma ulahle noma yini.
  2. Thinta umshuwalense wakho ubhalise kuhulumeni wosizo losizo lohulumeni ngesheshe nawukwazi, ngisho ungakakwazi umonakalo wonke.
  3. Gcina umcibisholo ngasinye, ubhale phansi ucingo ngalunye: usuku, igama, nokushiwo.

Isonto lakho lokuqala, ngokulandelana

  • Yenza ikhaya liphephe futhi umise umonakalo owengeziwe ngokulungisa kwesikhashana, njengekhanvasi noma amabhodi. Gcina umcibisholo.
  • Thatha izithombe namavidiyo zakho konke. Gcina ikhophi yamafayela.
  • Thinta umshuwalense wakho uvule isicelo. Bhala phansi inombolo yakho yesicelo.
  • Bhalisa kuhlelo lohulumeni wakho losizo lwenhlekelele ngesheshe uvuliwe, uma lukhona endaweni ohlala kuyo.
  • Thinta ibhange lakho noma umbolekisi uma une-mortgage noma imali eboleke yagcinwa ngekhaya.
  • Qala ifolda yokubuyisana yamcibisholo, izincwadi, nerekodi lakho lamacingo.
  • Buza uhulumeni wakho wendawo, iRed Cross noma iRed Crescent, namaqembu omphakathi usizo olukhona.

Qopha konke ngaphambi kokuhlanza

Abashuwalense nezikhungo zosizo bakhokhela umonakalo abangakubona noma ongakwazi ukufakazela. Uma ikhapethi elimanzi liseduzini, kunzima kakhulu ukufakazela.

  • Thatha izithombe ezibanzi zegumbi ngalinye usuka emnyango, bese izithombe eziseduzane zendawo ngayinye nento ngayinye ezonakele.
  • Thatha isithombe somugqa wamanzi ezindongeni nethepi lokulinganisa noma umuntu eceleni ukubonisa isayizi.
  • Hamba unevidiyo, uxoxe ngento oyibonayo.
  • Thatha isithombe sangaphandle: uphahla, izindonga, amafasitele, igceke, izibonda, izishedi, amamoto, izikebhe, izivuno, nezilwane.
  • Thatha isithombe senombolo yomsindo namalebula wamamodeli ezinsizeni nama-elektroniki.
  • Bala izinto ezonakele ngobudala obulinganiselwe, lapho uzithenge, nendleko yazo.
  • Gcina isampula encane yezinsiza ezonakele, njengesiqephu sekhapethi noma isici sophansi, uma ukwazi.

Ifoni yakho igcina usuku nesikhathi nesithombe ngasinye, lokhu kusiza kukhombisa ukuthi umonakalo wenzeka nini. Gcina amafayela wokuqala, ungawasiki noma uwahlele.

Gcina ikhophi yezithombe zakho kugcina-mafu, noma uzithumele wena ngqo nge-imeyili noma i-app yemiyalezo, ukuthi zisale uma ifoni yakho ingasindi. Uma wenza uhlu lwezinto zakho zekhaya ngaphambi kwesiphepho, lifune manje. Uma ungenzanga, izithombe zendala zekhaya lakho kufoni yakho noma ku-social media zingasiza ukukhombisa okunakho.

Izicelo zemishuwalense

Thinta umshuwalense wakho ngqo

Ngemva kwesiphepho esikhulu, abashuwalense bathola izinkulungwane zezicelo, futhi abaningi babhekana nazo ngokulandelana ngendlela afika ngayo. Shayela inombolo yezicelo kuphalisi lakho, sebenzisa i-app noma iwebhusayithi yomshuwalense, noma uthinte umeleli noma usisi owakuthengisa iphalisi.

Zilungiselele lemininingwane, noma uyibhale phansi uyitholile:

  • Inombolo yephalisi lakho, nekheli lempahla elonakele
  • Usuku nembangela yomonakalo, njengoba uyazi
  • Uhlu olufushane lwezonakele
  • Lapho uhlala manje, nenombolo yocingo lapho umshuwalense angakufinyelela

Batshele okwaziyo kuze manje. Ungengeza imininingwane kamuva. Cela:

  • Inombolo yakho yesicelo
  • Igama nemininingwane kabuyekezi wakho noma umhloli wokulahlekelwa
  • Okudingwa kuwena, nokunini
  • Uma iphalisi lakho likhokhela lapho uhlala ngenkathi ikhaya lakho lingasahlalwa
  • Uma ungakwazi ukuqala ukulungisa kwesikhashana, nangangakanani ongakusebenzisa ngaphandle kokuvunyelwa

Uma ulahlekelwe amaphepha ephalisi lakho, umshuwalense angathola iphalisi lakho egameni lakho nekhelini. Amaphalisi amaningi afuna ubike umonakalo ngesheshe, ngakho ungalindi uze uthole imininingwane yonke.

Uma uqasha, umshuwalense womqashisi wakho uvikela isakhiwo, nomshuwalense wakho wempahla, uma unawo, uvikela impahla yakho. Bona abaqashi namafulethi.

Ukulungisa kwesikhashana noma kwaphakade

Amaphalisi amaningi akufuna uthathe izinyathelo ezifanele ukumisa umonakalo owengeziwe. Ukumboza izimbobo ngekhanvasi, ukubhoda amafasitele aphukile, nokukhipha amanzi kulindelwe, futhi izindleko zivamise ukumbozwa. Thatha isithombe somonakalo ngaphambi kokumumboza. Bona izihlahla namakhanvasi ngokwenza lokhu ngokuphepha.

Ungaqali ukulungisa kwaphakade ngaphambi kokuba umbuyekezi ahlole, ngaphandle uma umshuwalense ekutshela ngokubhaliwe ukuthi ungakwenza. Ungalahli izinto ezonakele kuze umbuyekezi azibone noma athi kulungile. Uma kufanele ulahle izinto ngenxa yezempilo, njengokudla okubolayo noma ikhapethi elithintwe indle, zithatha isithombe kuqala ugcine isampula uma ukwazi.

Isikhukhula naumoya

Lokhu kumangaza abantu ngaphezu kwakho konke. Emazweni amaningi, iphalisi lekhaya elijwayelekile limboza umonakalo womoya, kuhlanganise imvula engena ngembobo eyenziwe umoya. Amaphalisi amaningi awambozi amanzi akhuphuka avela ezikhukhuleni zedhoruba, imifula, noma izikhukhula zesheshe. Lokhu kuvamise kudinga umshuwalense wesikhukhula ohlukene, noma inketho yesikhukhula engeziwe kuphalisi.

Okumboziwe kuhluka kakhulu phakathi kwamazwe naphakathi kwamaphalisi. Funda isigaba sephalisi lakho ngesikhukhula, isiphepho, nomonakalo wamanzi, ubuze umshuwalense wakho achaze okusebenza. Uma unawo umshuwalense womoya nesikhukhula kuwona wombili, ungaba nezicelo ezimbili nababuyekezi ababili, futhi bangase baphikisane ngokuthi yini eyabangela umonakalo wini. Izithombe zakho zomugqa wamanzi nomonakalo wophahla kubaluleka lapha.

Izibopho nokucutshungulwa

Isibopho, okubizwa i-excess emazweni ambalwa, yingxenye yesicelo ngasinye ozikhokhela wena. Amaphalisi amaningi anesibopho esihlukene, esikhulu kakhulu seziphepho, amathayifuni, amasayikloni, noma iziphepho eziqanjiwe. Kaningi kuyiphesenti yenani eliqinisekiswe lekhaya esikhundleni senani eligqitshekile. Hlola iphalisi lakho ukuthi inombolo ingaba yisimangaliso.

Ukusebenza nombuyekezi

  • Yibe khona ekuhlolweni uma ukwazi, noma uthumele umuntu owethembayo.
  • Hamba nombuyekezi egumbini ngalinye, uphahla, isikhala ngaphansi kophahla, nezakhiwo zangaphandle. Mkhombise izithombe zakho nohlu lwakho.
  • Khombisa umonakalo olula ukuwukhohlwa, njengokugcwalisa okumanzi, ophansi ogobile, namathayili aqhekekile.
  • Cela ikhophi yombiko wabo nesilinganiso.
  • Thola amanani akho obhaliwe yabashuthisi abanelayisensi uma ukwazi.

Uma ungavumelani nalokho okuhlongozwayo

Awudingi ukwamukela isiphakamiso sokuqala. Cela umshuwalense achaze, ngokubhaliwe, indlela afike kuleli nani kanjani nabazici bephalisi bancika kuzo. Thumela amanani nezithombe zakho ucele isibuyekezo.

Uma lokho kungasebenzi, amazwe amaningi anendlela yokukhalaza: inqubo yezikhalazo yangaphakathi, i-ombudsman noma isevisi yezinkani zemishuwalense, noma ihhovisi lohulumeni elilawula abashuwalense (umnyango wezemishuwalense wesifundazwe e-United States). Abantu abanye baqasha umhloli ozimele noma umbuyekezi womphakathi, othatha ingxenye yenkokhelo, ngakho funda isivumelwano kahle ngaphambi kokusayina.

I-mortgage nezinhlolo zemishuwalense

Uma une-mortgage, umshuwalense angakhokhela wena nombolekisi wakho ndawonye. Umbolekisi angabamba imali ayikhishe ngezigaba njengoba ukulungisa kuqediwa. Thinta umbolekisi wakho kusenesikhathi, buza indlela aphatha ngayo izicelo zesiphepho, buza uma ungamisa noma unciphise inkokhelo ngenkathi ubuyisana. Abebolekisi abaningi banezinhlelo zokusiza ngemva kwezinhlekelele.

Amaphutha ajwayelekile okugwema

  • Ukulahla izinto ngesheshe kakhulu. Gcina izinto ezonakele kuze umbuyekezi azibone, ngaphandle uma ziyingozi yezempilo. Zithatha isithombe kuqala.
  • Ukucabanga ukuthi umshuwalense womoya uhlanganisa isikhukhula. Hlola iphalisi lakho ngomshuwalense wesikhukhula ngokuhlukene, ubuze umshuwalense ngokubhaliwe okusebenza.
  • Ukuphuthelwa yisikhathi sokuphela. Izicelo zesikhukhula nosizo lwenhlekelele kaningi zinezikhathi zokuphela ezilinganiswayo amasonto. Bhala phansi ngasinye ngosuku olufundayo.
  • Ukwamukela isiphakamiso sokuqala ngaphandle kokubuza kungani. Cela umbiko nesilinganiso, bese uwuqhathanisa namanani akho.
  • Ukweqa usizo lohulumeni ngoba unomshuwalense. Faka isicelo noma kunjani, ngoba usizo lungamboza ezinye izindleko umshuwalense ongazimbozi.
  • Ukuqasha umshuthisi ofuna inkokhelo enkulu ngaphambi. Funda ukugwema amaqili ngaphambi kokusayina noma yini.

Uma ungenawo umshuwalense

Imizi eminingi ayinawo umshuwalense wekhaya nhlobo. Awuphelele izindlela.

  • Usizo lohulumeni. Bhalisa kusikhungo sakho sesizwe noma sendawo senhlekelele ngesheshe usizo lumenyezelwa.
  • Amahhovisi wokuhlaliswa komphakathi. Emazweni amaningi, umnyango wokuhlaliswa komphakathi noma wokuthuthuka komphakathi usebenzisa usizo nezinkxaso zemali ngemva kwezinhlekelele.
  • IRed Cross neRed Crescent. Izinhlangano zesizwe kaningi zinikeza usizo lwesimo esiphuthumayo, izinkxaso zemali, amakhithi wesiphephelo, nezinsiza zokwakha.
  • Amaqembu enkolo nezinhlangano zomphakathi. Amaningi asebenzisa izinhlelo zokudla, ukulungisa, nokwakha kabusha.
  • Abaqashi nezinyunyana. Ezinye zinikeza izinkxaso zesimo esiphuthumayo noma ukunikwa imali kusengaphambili.
  • Amabhange, i-credit union, nabebolekisi be-microfinance. Abaningi banikeza izikhathi zokuyeka ukukhokha noma izimali zokuboleka zesimo esiphuthumayo ngemva kweziphepho. Buza ngaphambi kokuphuthelwa yinkokhelo.
  • Izinhlelo zezivuno nezifuyo. Abalimi nabadobi kufanele babuze umnyango wabo wezolimo noma wokudobela usizo lwesiphepho.

Qaphela abebolekisi bendawo abangahleliwe. Isikweletu esinezinga eliphezulu ngemva kwenhlekelele singahlala isikhathi eside kunomonakalo. Bona ukugwema amaqili.

Usizo lohulumeni lwenhlekelele

Ngemva kwenhlekelele enkulu, ohulumeni abaningi banikeza usizo ngesiphephelo esiphuthumayo, indlu yesikhashana, ukulungiswa okuyisisekelo, ukudla, izinkxaso zemali, noma imalimboleko ezinga eliphansi. Izinhlelo, imithetho, nezikhathi zokuphela zihluka ngokwezwe, futhi ngezinye izikhathi ngesifunda. Usizo lungaba isinxaso esimisiwe ngekhaya ngalinye elonakele, izinsiza zokwakha, imali ethunyelwe ku-akhawunti yebhange noma isikhwama semali yocingo, noma amavawusha.

  • Lalela izimemezelo zivela esikhungweni sakho sesizwe senhlekelele, uhulumeni wendawo, nomsakazo osemthethweni.
  • Buza ihhovisi lakho lendawo, umholi wesigodi noma womphakathi, noma isikhungo sosizo indlela yokubhalisa.
  • Bhalisa umuzi ngamunye ngokuhlukene uma imindeni engaphezu kweyodwa yabelana ikhaya.
  • Gcina ubufakazi bokuthi ungubani nalapho uhlala. Uma amaphepha akho alahleka, buza indlela yokubhalisa ngaphandle kwawo. Izinhlelo eziningi zinendlela.
  • Faka isicelo kusenesikhathi, ugcine ikhophi noma isithombe sakho konke okuthumele.

Uma ungaqiniseki uhlelo luphi olusebenzisa, buza izindawo ezintathu: ihhovisi lakho lendawo, isikhungo sakho sesizwe senhlekelele, ne-Red Cross noma i-Red Crescent. Buza enye ngenye ebalisa yini, amaphepha afuna, nokuthi isikhathi sokuphela yini. Bhala phansi izimpendulo.

Izicelo eziningi zicela izinto ezifanayo: idokhumenti yobunikazi, ubufakazi bekheli, imininingwane yebhange lakho, izithombe zomonakalo, nesinqumo somshuwalense wakho uma unawo. Uma ulahlekelwe amaphepha akho, ukubuyela ekhaya ngemva kwesiphepho kuchaza izindlela zokufakazela lapho uhlala. Ikhasi lakho lasendaweni libala izikhungo zendawo ohlala kuyo.

Kwi-United States

I-FEMA Individual Assistance iyatholakala ezifundeni eziqanjwe kusimemezelo somengameli senhlekelele enkulu. Faka isicelo noma unomshuwalense, ngisho ucabanga ukuthi ngeke uvume. Ukufaka isicelo kumahhala.

  • Faka isicelo online ku-https://www.disasterassistance.gov, nge-FEMA App, noma ushayele i-FEMA Helpline ku-1-800-621-3362.
  • Zilungiselele: inombolo yakho ye-Social Security, ikheli lekhaya elonakele, lapho uhlala manje, imininingwane yomshuwalense, incazelo yomonakalo, imininingwane yebhange lakho yokufaka ngokuqondile, nenombolo yocingo lapho i-FEMA ingakufinyelela.
  • I-FEMA isetha isikhathi sokuphela sesicelo ngenhlekelele ngayinye, ngakho faka isicelo kusenesikhathi.
  • Usizo lwe-FEMA lumboza izidingo eziyisisekelo, ezingamshuwalense, njengendlu yesikhashana, ukulungiswa okuyisisekelo, nezindleko ezinye zempahla yomuntu, yezempilo, nemingcwabo. Akusona isibambo somshuwalense futhi ngeke ikhokhele ukulahlekelwa umshuwalense osekumboza kakade.
  • Uma unomshuwalense, faka isicelo sakho uthumele i-FEMA isinqumo somshuwalense wakho. I-FEMA ingakwazi ukusiza ngaloko umshuwalense ongakumbozi.
  • Uma i-FEMA ikwala, funda incwadi. Izinqaba eziningi zingenxa yamaphepha angekho. Ungakwazi ukuphikisa ngokubhaliwe ngaphakathi kwezinsuku 60 kusuku olukwincwadi.

Izimalimboleko zenhlekelele ze-SBA zizimalimboleko ezinga eliphansi kubanikazi bamakhaya nabaqashi, hhayi amabhizinisi kuphela. Abanikazi bamakhaya bangaboleka kuze ku-\(500,000 ukulungisa ikhaya eliyinhloko, nabanikazi bamakhaya nabaqashi bangaboleka kuze ku-\)100,000 ukuthenga kabusha impahla njengefenisha, izingubo, namamoto. Imingcele neimithetho yezimalimboleko ingashintsha, ngakho hlola izinani zamanje ku-https://www.sba.gov ngaphambi kokufaka isicelo. Abanikazi bamabhizinisi kufanele futhi bafunde ikhasi lethu lamabhizinisi amancane.

Umshuwalense wesikhukhula. Uma unephalisi lesikhukhula nge-National Flood Insurance Program, uvamise ukudinga ukuthumela ubufakazi bokulahlekelwa obusayinwe, obufungwa, ngaphakathi kwezinsuku 60 ngemva kosuku lokulahlekelwa, ngisho ungavumelani nesilinganiso sombuyekezi. Buza umshuwalense wakho wesikhukhula ngesikhathi sokuphela usekhona.

Usizo olunye. Shayela ku-211 ngezinsiza zendawo, ushayele i-American Red Cross ku-1-800-733-2767, uvakashele isikhungo sokubuyisana senhlekelele ukubuza imibuzo ngqo.

Gcina irekodi elibhaliwe lwucingo ngalunye

Ukubuyisana kusho amashumi amacingo nemiyalezo nabashuwalense, izikhungo zosizo, abashuthisi, abaqashisi, namabhange. Gcina ibhuku noma inoti kufoni yakho ene:

  • Usuku nesikhathi
  • Owakhuluma naye, ne-ID noma inombolo yakhe engeziwe
  • Okushiwo nokwathembiswa
  • Inombolo yesicelo, icala, noma yokubhalisa

Landela amacingo abalulekile nge-imeyili noma umlayezo omfushane ophinda okuvumelene ngakho. Irekodi lelo lixazulula izinkani emva kwezinyanga lapho izisebenzi zishintsha nemikhumbulo iphuma.

Gcina imicibisholo yakho konke

Gcina imicibisholo yamakhanvasi, iplywood, izinsiza zokuhlanza, amathuluzi, abashuthisi, uphethiloli wamajenereta, ukuhlala ehhotela, ukudla ngenkathi uxoshiwe, nokugcinwa. Amaphalisi amaningi akhokhela izindleko eziphezulu zokuphila ngenkathi ikhaya lakho lingasahlalwa, futhi izinhlelo zosizo ezinye zikhokhela lezi izindleko futhi. Thatha isithombe somcibisholo ngamunye njengoba uwuthola, ngoba iphepha lifiphala futhi liba manzi.