Ukhuseleko lwezokwakha lufunekayo kwiprojekthi nganye yokwakha kunye nakwiimeko ezininzi, kuyimfuneko ukuba ibe nohlobo oluthile lenkcazo ethile ukwenzela ukunikezelwa. Ukwakhiwa kwee-inshurensi kungabonelela ngezinto eziphathekayo, ingozi, iintlekele zemvelo, abasebenzi kunye neyeshishini lakho. Nangona kunjalo, ishishini le-inshurensi kunye noshishino lokwakha lihlala lifuna ukuqonda kwaye linikezela ngokukhawuleza kwimeko nganye kunye neyodwa. Kukho amaninzi amaninzi ukuba abanikazi bepropati okanye abaphuhlisi beprojekthi baya kufuna ukuba ufumane ezinye zezi zinto ukuze ufaneleke ukuba uthathe inxaxheba kwinkqubo yabo yokubhengeza. Apha uya kufumana iifayili eziqhelekileyo ezisetyenziswa kwishishini lokwakha. Nakhona uza kufumana iintlawulo eziqhelekileyo ezisetyenziswa kwishishini lokwakha.
Umthombo womshuwalense onoxanduva olungakhawulezileyo unokukhusela ekukhuselweni, kwingozi okanye umonakalo wepropathi ohluphekileyo emsebenzini. Ukongeza koko, abasebenzi bezakhiwo bangonakalisa ngengozi indawo yepropati kunye nezinto zokusebenza, okanye ngexesha lokulungiswa kwenkqubo luqhubeka. Eli nqaku libonisa ukuqonda ngokupheleleyo iingenelo, umda kunye neengozi zolu hlobo lwe-inshurensi. Umgaqo-nkqubo we-inshorensi yomakhi-mboleko uza kuhlawula umonakalo ukuya kumda wokufihla, kodwa ingaba ndibiza malini? Umda kufuneka ubonakalise ngokuchanekileyo inani elipheleleyo elizalisiweyo lwesakhiwo (zonke izinto eziphathekayo kunye nezindleko zabasebenzi, kodwa zingabandakanyi ukubaluleka komhlaba). Ukongezwa kokubhengezwa kunokubonelelwa ngeemeko ezithile kwaye phantsi kweemeko ezithile. Ukukhutshwa okubalulekileyo okumele kufundwe ngokubanzi kungabandakanyi ukukhutshwa komonakalo obangelwa yimpazamo: ukuyila, ukucwangcisa, ukusebenza kunye nezinto eziphathekayo. Intsebenzo-mboleko iya kukhusela umnini ngokubhekiselele kwilahleko ezenzekayo kwimeko apho ikhontrakthi ehluleka ukwenza okanye ayikwazi ukuhambisa iprojekthi njengoko isetyenziswe kunye nemigqaliselo yesivumelwano . Ngamanye amaxesha inkontileka ilahleka okanye iyichaza ngokubhankqalaza, kwaye ke kwezo zimo, ukuqinisekiseka kukuxanduva lokuhlawula umnikazi kwilahleko. Nangona kunjalo, qaphela ukuba njengekontraka uza kuhlala ujongene nayo yonke into, ngoko qi niseka ukuba ufunde oku kuzinzikhusela. Isibambiso sokungabi nengozi sokhuseleko siya kuhluka ngokuxhomekeke kumandla apho isivumelwano siqhutyelwa khona. Kwezinye iimeko, isivumelwano esinobungozi siya kukhusela ikontraka kwiimangalo ezilethwe ngamashishini okanye iinkampani ezingenzi inxalenye yesivumelwano. Khetha kwiyiphi na le ntlobo zintathu zokubamba iintlobo zemvumelwano ezingenakubungozi. Yintoni eyenzekayo xa uMthetho wokuBondlwa kweBond yoLwakhiwo awunakudityaniswa? Ukuba izibophelelo zebhanki zingabonakali, inqununu, ngokuqhelekileyo ibhekisela kwikontrakta kunye nokuqinisekiswa, inesibophelelo sobambiswano ngokubambisana kunye ngokubanzi. Kukho izigwebo ezifaka isicelo sokungaphumeleli ukuthobela iimbopheleleko zoxanduva. Inkontileka yokuhlawula idibanisa inkontileka emithathu phakathi komnikazi, ikhontrakthi kunye nokuqinisekiswa, ukuqinisekisa ukuba zonke iintlawulo, abasebenzi kunye nabathengi bezinto eziphathekayo baya kuhlawulwa beshiya iprojekthi yeprojekthi ekhululekile. Iintlawulo zeBond kuphela kuphela aziceliwe kwaye zihlawulwa ngokuqhelekileyo malunga ne-50% ye-premium ejwayelekile. Uxanduva lwezobugcisa lubandakanya iimpazamo ezibangelwa ukunganyaniseki kwintengiso xa beqhuba imisebenzi yabo phantsi kwesivumelwano esichaziweyo. I-inshurensi iya kubhala iindleko zakho, ukuba iimpazamo zakho kunye nokungaphumeleli kubangele ukulahlekelwa ngumtyalomali okanye ukuba awukwazi ukwenza imisebenzi yakho. 08 - Umshuwalense weMkhukula: Indlela yokufaka ifowuni yakho yomshuwalense we-Flood Insurance
Ukhuseleko lwezamkhukula luba nomgca weentsuku ezingama-30, ngaphambi kokungena kwixesha lokubhengezwa, ukuphepha ukukhungwa kwe-inshorensi kuphela xa kukhangelwe umgumbe wamanzi. Ngokuxhomekeka apho i shishini lakho okanye iphrojekthi yakho ikhona khona, unokufuna ukuphatha enye yalezi zinto. Kutheni I-inshurensi yokwakha iyadingeka?
Njengoko ubona ukuba kukho iindidi ezininzi zeemeko apho uya kulufuna ukubonelela ubungqina benkqubo yakho. Ngokugqiba imisebenzi ngethuba, uxanduva lokugcina umsebenzi osebenzayo unokufumana izibonelelo ezingaphezulu njengeeprayimamu ezincinci kunye nezithintelo kwiibhanki zakho.