Izinto ezinokuThumela ixabiso leKhaya lakho lokunciphisa
1. Ukwandiswa kweeMali zokuThengiswa kweMali, ukuNciphisa kwexabiso leMpahla
Xa ixabiso lomhlalaphansi liphantsi, abathengi banakho ukuchitha imali ngaphezulu kwindlu.
Ngamazinga omncinci omdla, iintlawulo zabo zenyanga ziza kuhlawulela kwaye ziya kuhlawula ngaphaya kobomi bemboleko.
Njengoko ixabiso lentengo landa, ukunyuka kwezindlu kuyahla kweyabathengi. Abakwazi ukuchitha imali eninzi kwixabiso lokuqala lokuthenga ngenxa yokuba, ngokunyuka kwamaxabiso omyinge, iintlawulo zabo zenyanga ziza kuba ziphakamileyo kwaye ziya kufuneka zihlawule ngaphezulu kokuphila kwemboleko.
Imilinganiselo yokubolekwa kwemali ayiyithinti kuphela abathengi basekhaya, kodwa ichaphazela nabathengisi. Ikhaya lakho alixabisekanga kuba abantu kufuneka bakhokhe ngaphezulu ukuthenga ikhaya lakho kumazinga aphezulu. Ngaphambi kokuba ixabiso lentengo liphakame, ikhaya lakho lingaba lixabiso lentengo yaba-30 abathengi. Ngamazinga aphakamileyo, eli nani linokuba liye lahla ukuya kuba-10 kuphela abathengi.
Unokuba nexesha elinzima ukuthengisa ikhaya lakho kwixabiso langoku. Unokwenza uhlawule uluhlu lwakho lwamanani ukuze ubhenele kubathengi abaninzi.
2. Imozulu iyanciphisa ixabiso leKhaya
Umama Wendalo ungabangela ukwehla kwexabiso lepropati yakho. Andixeli ngesithwathwa esinzima esinamaxesha amaninzi okanye iinyawo ezintathu zekhephu. Ndibhekisela kwiintlekele zemvelo ezingasula zonke iindawo. Imizekelo yeentlekele zemvelo ezingasongela ixabiso lepropati yakho yintanyantyambo, iindubhu, i-wildfire, iinyikima, iitsunamisi, i-mudslides kunye nezikhukhula.
Cinga ngesiqhwithi sikaKatrina esasichukumisa iGulf Coast ngo-2005. Kwasala malunga nama-2000 efile kwaye yabangela okungaphezulu kwama-dollar ayi-81 kwindalo yomonakalo. I-F-5 yenkqantosi eyayibetha iJoplin, eMissouri, ngowama-2011, ishiye i-158 yafa kwaye yabangelwa i-$ 2.8 yezigidigidi kwimonakalo yomhlaba.
Ezi ntlekele zendalo zingabetha ngaphandle kwesixwayiso kwaye zingonakalise indawo. Ngokuqinisekileyo, akufuneki ukuba yinto ephambili yembali kwimbali ukuba ibe nempembelelo kwixabiso lekhaya.
Iipatheni zemozulu zitshintsha kwakhona kwixesha. Xa uthenge ikhaya lakho, kungenzeka ukuba akufuneki i-inshurensi yesikhukhula. Elinye iqhwithi lingafika kwaye lenze izikhukula edolophini yakho. Iimephu zeendawo zamanzi ziza kutshintshwa kwaye zifune ukuba ube ne-inshurensi yesikhukhula. Le mfuno iya kuba nefuthe elikhulu kwixabiso lekhaya lakho njengoko abantu baya kukhwankqisa ngokuthenga indawo kwiindawo zamanzi.
Iintlekele zemvelo ziyonakalisa ipropati yakho ekhoyo. Ukuba unesi-inshurensi, uya kufumana imali ukuze uhlawule umonakalo, kodwa akunqabile ngokwaneleyo. Unokufaka isicelo sokuncediswa kwi-FEMA, kodwa ngokuqhelekileyo uhlaselwa okanye uphoswe nokuba uya kulungela ukufumana uncedo kunye nokuba baya kukunika phi. Ngamanye amaxesha ezi ziqhwithi zichithe ngokupheleleyo ipropati kwaye ayinakulinganiswa.
Akukuphela nje ukuba ukhathazeke ngokulungisa umonakalo obangelwa ziziphepho, ukuba ipropati yakho isalimi, kufuneka ukhathazeke malunga nokukwazi ukuthengisa impahla yakho. Abantu baya kunkwantya kakhulu ngokuthenga indawo kwiindawo eziye zaphazamiseka yintlekele.
3. Ukutshatyalaliswa kwezinto / ukufutshane okuthengiswayo kunciphise ukuBaluleka koBomi
Esinye isongelo kwixabiso lepropati yakho yindawo yokuthengisa kunye nokuthengisa okufutshane kwindawo yakho. Ezi zichaphazela ixabiso lakho lepropati ngokubheka ukuthengisa okuthelekiswayo kummandla wakho.
Umzekelo, unendawo yokulala e-3, ibhati elingu-2, ikhaya leenyawo ezili-1500. Elinye ikhaya elifaniswayo lithengiswa ngeedola ezingama-350 000 kwaye elinye lithengiswa ngama-340,000. Ikhaya lesithathu laxelwe kwaye lathengiswa ngama-$ 200,000. Olu bhengezo luba nefuthe kakhulu kumanani athengiswayo kwaye lunokunciphisa intlawulo yepropati yakho.
Ukuba neentengiso ezimfutshane kwaye ngokukodwa ukugqithiswa kweso sitrato kunciphisa ixabiso lekhaya lakho. Nangona azinako ukuthelekiswa ngqo, njengemigangatho yesikwere esifanayo kunye nenani lamagumbi okulala kunye neebhafu, zihlala kwindawo yakho esondeleyo, ngoko ke unokwenza yonke indawo ihlazise ixabiso.
Ukuba ummandla unendawo yokuthengisa okanye ukuthengiswa okufutshane, abathengi abanokuzithengela ukuthenga apho ngenxa yokuba abaqinisekanga ukuba luzinzile kwaye banokukhathazeka ngexabiso elizayo kwikhaya labo. Ungayivakalelwa njani ngokuthenga ikhaya elisondele kwindlu eyayisanduliwe? Ukuba unomdla ekuthengeni emva kokufunda oku, mhlawumbi uzama ukuxoxisana nexabiso eliphantsi.