Yiyiphi i-Loss Ensing?
Ixesha elilahlekileyo elilahlekileyo lithetha ukulahleka okubangelwa yingozi ebonakalayo eyenzeka ngenxa yokulahleka okubangelwa yingozi engabandakanyiyo. Okokuthi, ingozi engabandakanyiyo ibangela umonakalo wepropati, okubangela umonakalo obangelwayo obangela omnye umonakalo wepropati.
Ukulimala okubangelwa yingozi (ekhuselekile) yengozi ihlanganiswe.
Umzekelo wokulahleka okuqhubekayo ngumonakalo wepropati obangelwa ngumlilo obangelwa kukuzamazama komhlaba . Ngokomzekelo, kuthe ukuba inyikima iyabangela ukuba i-gas ephezulu iphule. Igazi eliqhekezayo lidala umlilo owonakalisa isakhiwo. Isiganeko sokugxininisa kwakukho inyikima, ingozi engabandakanywa phantsi komgaqo-nkqubo wepropati. Inyikima yabangela umonakalo wepropati (i-gas ephuhliweyo), eyabangela umlilo owashisa isakhiwo. Ukukhutshwa kwenyikima kwipolisi yomgaqo-propati iqulethe i-exception for loss loss resulting from fire. Ngaloo ndlela, umonakalo lomlilo kwisakhiwo uhlanganiswe. Ukulimala okubangelwa yindyikima ingabandakanywa.
Uninzi lwemigaqo-nkqubo yepropati isebenzisela kuyo yonke ingozi. Oko kukuthi, bahlawula ilahleko okanye umonakalo obangelwa nayiphi na ingozi engabandakanywa ngokukodwa. Iingozi ezikhutshwe ngaphandle zichazwe ngokucacileyo kwicandelo lomgaqo-nkqubo othi Unobangela Wokulahleka.
Iimpazamo zokulahlekelwa ezilandelayo zikhoyo kweli candelo.
Ezingabikho
Kwiinkoliso ezininzi zepropati zentengiso, ngaphandle kweengozi ezihlukeneyo zihlukeneyo zibe ngamaqela amabini amaninzi. Iqela lokuqala liqulethe iingozi ezinkulu ezinjengomkhukula, ukuhamba kwehlabathi kunye neengozi zenukliya. Isiganeko esisodwa esibangelwa enye yeengozi zingathintela abaninzi abanamalungelo omgaqo-nkqubo.
Ngaloo ndlela, ezi nengozi ziphantsi kwegama elichasene negama elifanayo . Leli gama lisusa i-coverage nayiphi na ilahleko ebangelwa yingozi edibeneyo, nangona ukuba ingozi yesibini ibangela ukulahlekelwa, kwaye loo mngcipheko uhlanganiswe.
Ulwimi olumelana nolwahlukileyo olusebenzayo lusebenza kuphela kwiqela lokuqala leengozi. Zonke ezinye izingozi ezingabandakanywa zikhutshwa kulolu lwimi. Amaqela omabini angabandakanywa nemingcipheko aqukethe ngaphandle kwelahleko elandelayo.
Ukungabikho kokulahlekelwa
Inani lee-exclusions ezitholakalayo kumgaqo-nkqubo womhlaba wezorhwebo unomzekelo wokulahleka okulandelayo. Imizekelo emithathu ichazwe ngezantsi. Ezi zintathu ezingabonakaliyo zivela kumgaqo-nkqubo we- ISO oqhelekileyo. Kulezi ziganeko ezilandelayo, cinga ukuba ipropati eyonakalisiweyo ikhuselekile phantsi komgaqo-nkqubo we-ISO.
IFungus
Ukukhutshwa kwefungus kusebenza kubungqina, ukukhula, ukwanda, ukusabalalisa okanye nayiphi na into yefungus, ukubola okanye ukubola okanye ibhaktheriya. (Ubungqina luhlobo lwefungus.) Kodwa ukuba i-fungus, emanzi okanye eyomile yokubola okanye ibhaktheriya ibangele imbangela ethile yokulahleka , umgcini-mali uya kuhlawula ilahleko okanye umonakalo obangelwa yeso sizathu sokulahleka .
Ukukhutshwa kwefungus kunika ithuba lokulahleka okuqhubekayo okubangelwa yinto ebangelwe yilahleko . Eli lokugqibela lixesha elichaziweyo elibandakanya ngaphezu kweerhafu ezihlukeneyo.
Imizekelo ngumlilo, umbane; Isiqhwithi somoya nesichotho.
Masithi ukuba i-fungus ibonakalisa udonga ngaphakathi kwesakhiwo esiqinisekisiwe. I-fungus nayo ibonakalisa i-wiring yamandla ngaphakathi kodonga. I-wiring ewonakele ibangela umlilo owonakalisa isakhiwo. Umlilo yiyona nto ebangela ukulahleka. Umonakalo esakhiweni kubangelwa ngumlilo olandela umonakalo kwintambo ebangelwa iifungus. Ngaloo ndlela, umonakalo lomlilo uhlanganiswe. Ukulimala kwesakhiwo okanye i-wiring ebangelwa yi-fungus ngokwayo ayifihliwe.
Izinambuzane, iintaka okanye iidonki
Imigaqo-nkqubo emininzi yempahla ingabandakanyi umonakalo obangelwa ukuhlamba okanye ukuhlaselwa kwezinambuzane, iintaka okanye iintonga. Kwakungekho umonakalo obangelwa yimveliso yemveliso okanye iimfihlo eziveliswa zizilwanyana. Nangona kunjalo, ukuhanjiswa kunikezelwa umonakalo ngenxa yeyona nto ibangelwa yintsikelelo, intaka okanye iindlwana, i-infestation, imveliso yemveliso okanye imfihlelo.
Ngokomzekelo, amajuba ahlala ephahleni lorhwebo lomatshini. Ukudonsa kwabo kuqokelela kunye nokulimaza i-unit conditioning air unit ephahleni. Umonakalo wenza ukuba iyunithi ivuza, kwaye amanzi angena kwisakhiwo. Amanzi abangela ukulimala kumatshini esitolo. Umonakalo wamanzi yimbangela echanekileyo yokulahleka. Umonakalo wamanzi kubangelwa umonakalo kwi-conditioner emoyeni ebangelwa ukuhlaselwa kweentaka. Ngaloo ndlela, umonakalo oomatshini obangelwa ngamanzi kufuneka lufakwe. Umonakalo kwimeko yokukhanda emoyeni ayigutyungelwe kuba ibangelwa yingozi engabandakanyiyo (iimveliso zentengiso yeentaka).
Ukuchithwa kwemijelo
Ininzi yepropati yepropati ingabandakanyi ukuhanjiswa komatshini , kubandakanya ukuphuka okanye ukugqithiswa okubangelwa ngamandla e-centrifugal. Kodwa ukuba ukuphazamiseka komatshini kubangela ukudibanisa kwe-elevator, i-insurer iya kuhlawula ilahleko okanye umonakalo obangelwa ukudibanisa kwe-elevator.
Masithi ukuba i-elevator yokuthutha kwisakhiwo ishushu kwaye ihlaselwa ngumatshini. Ukuphazamiseka kubangela ukuba i-elevator iwele kumgangatho wesibini ukuya kwisiseko. Bobabini i-elevator kunye nepropati ezikuyo ziwonakaliswe ngongqinano. Umonakalo kwi-elevator kunye neziqulatho zawo ezibangelwa ukudibana kufuneka zifakwe. Ukulimala kwi-elevator ebangelwa ukuphazamiseka kwemishini kungabandakanywa.