Injongo yeeKhowudi zoKwakha
Iikhowudi zokwakha okanye izigwebo zibeka imigangatho emancinci ekufuneka idibeneyo xa izakhiwo zakhiwa okanye zakhiwa kwakhona.
Injongo yabo kukukhusela impilo kunye nokukhuseleko kwabemi bezakhiwo. Iikhowudi zokwakha zinokumiselwa kwaye zinyanzeliswe nguorhulumente kunye / okanye oorhulumente bendawo.
Iikhowudi zokwakha ziyahluka ukusuka kwenye indawo ukuya kwenye. Abanye oorhulumente bazama ukunyanzelisa iikhowudi ezinqamlekileyo xa abanye bekhohlakele. Kwakhona, izingozi eziqhelekileyo kwezinye iindawo zelizwe aziqabile kwabanye. Imizekelo inyikima , iziphepho, iindubhu kunye nezikhukhula . Oorhulumente bajonga loo mingcipheko xa bephuhlisa iikhowudi zokwakha. Kwiindawo ezijongene nokuzamazama komhlaba, iikhowudi zingadinga izakhiwo zekhonkrithi ukuba ziqiniswe ngetsimbi. Ngokufanayo, iikhowudi kwiindawo ezikhuselekileyo zifuna ukuba izakhiwo ziphakanyiswe ngaphezu komhlaba.
Izakhiwo ezintsha kunye ezikhoyo
Iikhowudi zokwakha zijoliswe ngokukodwa kwakhiwo esitsha. Sekunjalo, zinokusetyenziswa xa izakhiwo ezikhoyo zilungiswa, ziguqulwa, zakhiwa okanye zisetyenziswe ngendlela eyahlukileyo. Ezinye iikhowudi zingadinga isakhiwo esonakaliswe kancinci ukuba sidilizwe kwaye sivuselelwe ngaphandle kokulungiswa.
Isakhiwo singadinga ukutshabalalisa nokuvuselelwa xa isabelo esonakalisiweyo sixabisa ama-50% okanye ngaphezulu kwexabiso lezakhiwo. Iikhowudi zinokuchaphazela ubukhulu, ukuyila, ukuphakama, ukusetyenziswa kunye nendawo yesakhiwo. Baya kunika kwakhona izixhobo zokwakha ezingasetyenziswa.
Iikhowudi zokwakha zitshintsha rhoqo. Iikhowudi ezikhoyo xa isakhiwo sakhiwe singaphelelwa ixesha xa ilahleko ivela.
Ukuhlangabeza iikhowudi zangoku, isakhiwo esonakalisiweyo esilungiswayo singadinga izinto ezibiza. Ezinye izakhiwo zingadinga ukulungiswa kwakhona. Ngako oko, iikhowudi zokwakha zinokunyusa kakhulu iindleko zokulungiswa okanye ukulungiswa.
Ummiselo okanye uMthetho wokuCandwa
Uninzi lwemigaqo-nkqubo yepropati iqulethe i-Odinensi okanye ukukhutshwa komthetho ofanayo kufumaneka kwifom ye- ISO . Ukukhutshwa kwalo kukuthintela naziphi na ilahleko ezibangelwa ukuthotyelwa kwanoma yimuphi umthetho okanye umyalelo olawula ukwakhiwa, ukusebenzisa okanye ukulungiswa kwanoma yiphina impahla. Kwakhona kubandakanye nawuphi na umthetho ofuna ukudiliza nayiphina impahla, kuquka neendleko zokususa i-debris yayo .
I-Odinensi okanye ukukhutshwa komthetho kunokufaka isicelo kwilahleko ebangelwa ukuthotyelwa kwekhowudi yokwakha nokuba isakhiwo singakhange sonakaliswe. Ngokomzekelo, uClarence unomboniso we-movie okhoyo kwidolophu yaseHesvilleville. Isebe lokwakha iHesvilleville lizimisele ukuba le midlalo ikhulile kwaye isengozini yokuwa. Ummiselo wendawo ufuna ukuba uClarence adilize ithala. Ngenxa ye-Odinensi okanye ukuchithwa komthetho kwi-Polly yomgaqo-nkqubo wepropati, i-insurer yakhe ayiyi kuhlawula indleko yokudiliza isakhiwo okanye ukususa i-debris yayo.
Ummiselo woKwakha
I-Ordinance okanye i-coverage yomthetho ifumaneka ngokuvuma .
Ihlanganisa ukulahlekelwa okubangelwa ukunyanzelwa komgaqo ukuba isakhiwo senze umonakalo ngenxa yokubangela ukulahleka, njengomlilo .
I-oddinance okanye i-inshurensi yomthetho iqulethwe kwiingxelo ezintathu ezichazwe ngezantsi. Bakhethwe i-A, B kunye neC. Ungathenga nayiphi na okanye bonke.
- Isiqendu A: Ukulahlekelwa kweNgxenye engapheliyo Le ngxelo isebenza xa isahlulo esisodwa sakhiwo sonakalisiwe, kodwa ikhowudi idinga ukutshabalaliswa kwesakhiwo sonke. Ihlanganisa ukulahlekelwa kwintengo yesabelo esingenakonakali sakhiwo.
- Ubungakanani B: Iindleko zokubhubhisa idibanisa iindleko zokudiliza nokucima indawo yeengxenye ezingekho phantsi kweso sakhiwo.
- Ubungakanani B: Iindleko ezongezelelweyo zoKwakha zivelisa iindleko zokulungisa okanye ukuphinda zahlaziywe izakhiwo ezonakalisiweyo zesakhiwo. Ikwabandakanya iindleko zokuvuselela okanye ukulungisa kwakhona iziqephu ezingekho phantsi kweso sakhiwo, nokuba kufuneka ukubhujiswa okanye kungabikho ukutshabalalisa.
Imida
Umyinge A uqukwa kumda we-inshorensi osebenza kwisakhiwo. Iifowuni B kunye no-C, unokuthenga umda ohlukeneyo wohlaselo ngamnye, okanye umda odibeneyo osebenza kuzo zombini izibonelelo.
I-Ordinance okanye ukuvunyelwa komthetho kusebenza kuphela kulahleko okanye umonakalo ngengozi ehlanganisiweyo. Ukuba ilahleko ibangelwa yinxalenye yengozi ehlanganisiweyo kwaye inxalenye yengozi engafihliweyo, umgcini-mali uya kuhlawula kuphela isahlulo sokulahleka okubangelwa yingozi. Ngokomzekelo, cinga ukuba isakhiwo sakho senza i $ 50,000 ngomonakalo ngokudibanisa nomoya (ingozi ehlanganisiweyo) kunye nokhukula (ingozi engekho ngaphandle). Ukuba umoya ubangele i-50% yomonakalo, i-insurer yakho iya kuhlawula kuphela i-50% yelahleko. Ayinakufihla i-50% eseleyo yomonakalo obangelwa ngumkhukula kuba umkhukula ungengozi ngaphandle.
Imijelo
Ukwamkelwa kwe-Ordinance yoKwakha kuqulethe ezinye izizathu. Okokuqala, akukho nanye iifayili ezibandakanya ukulungiswa okanye ukutshintshwa kwepropathi ngenxa yokungcoliswa yifungus , ukubola okanye ukubola, iibhaktheriya okanye ukungcola. Kwakungekho kunye neendleko ezibekwa yimuphi na umthetho ofuna ukuba uhlambulule naziphi na ezi zinto. Okwesithathu, uMyinge C usebenza kuphela xa isakhiwo sisetyenziselwa ukuhlala ngokufanayo (injongo) phambi kokulahlekelwa ngaphandle kokuba uhlobo lohlala luvinjelwe ngamakhowudi wokwakha.
Ubungakanani obubandakanya kuMgaqo-nkqubo
Ezinye iipolisi zepropati ziqulethe u-Odinensi okanye ukukhutshwa komthetho okukhankanywe ngasentla kodwa wongeze kwakhona umgca "njengokwandiswa kwenkcazo." Ngokomzekelo, iinguqulelo ezintsha (2007 nangemva) ze-ISO Building kunye nePropati yePropati yePropati yeFom ifom yeNgcaciso yeNdleko yokwakha. Umda osebenzayo ungaphantsi kwama-$ 10,000 okanye i-5% yomda wokwakha.
Umda we $ 10,000 ungasetyenziswa ngokukhawuleza. Ngaphezu koko, ifom ye-ISO ayifuni ukulahlekelwa yilahleko engayonakaliyo yesakhiwo okanye ukudilizwa kwayo (iifowu A kunye noB ngasentla). Ukuba umgaqo-nkqubo uquka ukuKhutshwa koMyalelo we-Ordinance, qinisekisa ukuba uyaqonda ukuba yintoni eyiyo ifakiwe. Ukuba ufumana ulwimi oludidekayo, cela i- arhente yakho okanye umthengisi ukuba akuchazele.