Ziziphi iindawo?
Ukuqonda Imimiselo kwiindawo eziqeshwe kuyo, kufuneka uqonde intsingiselo yegama lendawo .
Kwi-parlance yomthetho, indawo ichaza umhlaba kunye nayiphi na izakhiwo okanye izakhiwo eziqhotyoshelwe kumhlaba. Umhlaba oqeshweyo unokuba isakhiwo okanye isahlulo sawo. Amashishini amancinci amaninzi ahlawula enye icandelo yesakhiwo kunokuba isakhiwo sonke. Ingaba uqeshisa isakhiwo sonke okanye isahlulo salo kuphela, idilesi yendawo yepropati yakho yokuqeshisa kufuneka ibhalwe kwiindawo zokuvakalisa umgaqo-nkqubo wakho wemfanelo.
Iingqwebo ezimbini kwiNye
Ukulimala kwiindawo ezisetyenzisiweyo Ukuqhawula umonakalo kuya kundibanisa kuba kunikezelwa ngamanye ahlukeneyo atholakala phantsi koMgangatho A. Ukongezelela, ngokuqinisekileyo iqukethe imiqathango emibini eyahlukileyo:
- Ubungakanani bamabango okanye izikhwama ezivela kumonakalo womlilo kwiindawo eziqashiweyo
- Ubungakanani bamabango okanye izikhwama ezivela emonakalweni nayiphi na isizathu ngaphandle komlilo , kwindawo okanye eziqulatho ziqeshwe iintsuku ezisixhenxe okanye ezimbalwa
Ngolunye lwalezi zibonelelo zichazwe ngezantsi.
1. Ukulimala komlilo kwiindawo eziqashiweyo
Izibango okanye izikhwama ezivela kumonakalo womlilo kwiindawo eziqashiweyo zigqityiwe ngaphandle kwezinto ezininzi (kodwa kungengabo bonke) bezinto ezingaboniswa phantsi koMgca A. Lo mzekelo uvame ukubonakala ekupheleni koMgca-ngaphandle. Inika ingxelo yokubhengezwa kwamabango okanye izikhwama ezivela kumonakalo wepropati ngomlilo kwizakhiwo eziqashiweyo kuwe okanye ohlala kuzo ngaphandle kokuqeshisa ngemvume yomnini.
Umonakalo womlilo kuphela kwindawo. Nanku umzekelo wolu hlobo lwesibango esi sibhengezo senzelwe ukujongana.
Umzekelo
U-Ted Thompson ungumnikazi we-Machining kaT Thompson, isitolo somatshini esenza izixhobo zensimbi zezilwanyana zasefama. Ibhizinisi likaTed lisebenza ngaphandle kwesakhiwo ahlawula kwiindawo zoshishino zasePleasantville. Ibhizinisi lakhe liqinisekisiwe ukuba lixanduva phantsi komgaqo-nkqubo ojongene nemfanelo jikelele.
Ngomhla emva kwemini, umqeshwa weTed usebenzisa i-torch welding ukuze alungise inxalenye yentsimbi eyonakalisiweyo. Engaziwayo kumsebenzi, i-spark ephuma kwitshuni yokulumala iqhubekele kwiinqanawa ezikufutshane. Udoti sele uqalile ukuphosa, kodwa akukho mntu kwivenkile uyaphawula umsi.
Abasebenzi bakaTed bahamba ngemini, kwaye uTed uvalela ivenkile. Kwiiyure ezimbini kamva, udoti uvutha. Umlilo usasazeka kumgangatho kunye nodonga olulodwa lwevenkile. Ngethuba elililo umlilo licima iyure kamva, isakhiwo senze i $ 75,000 ngomonakalo ngomlilo. Emva koko uTed ufumana imfuno kumnini-mhlaba ukuba ahlawule indleko yokulungisa isakhiwo. Ngethamsanqa ku-Ted, ilahleko kufuneka ikhutshwe phantsi komgaqo-nkqubo wecandelo loxanduva lokuthengisa umatshini.
Ukukhupha uxanduva lwezomthetho kuphela
Umonakalo womonakalo womlilo owenzelwe phantsi kweMonakalo kwiZakhiwo eziqashiselweyo Kusebenza kuphela xa unemfanelo esemthethweni ngomonakalo.
Okokuthi, ukulimala komlilo kwindawo yakho yokuhlala (okanye ehlala) kufuneka kubangelwe ukunganakwa kwakho.
Kwimeko kaMnumzane kaThompson echazwe ngasentla, u-Thompson's Machining unesibophelelo somonakalo ngomlilo kwiindawo eziqashiweyo kuba umlilo wabangelwa ukunganakwa komqeshwa. Umqeshwa kufuneka ukuba wazi ukuba itotshi ye-welding inokuvelisa iintyatyambo, kwaye ayiphumelelanga ukuthintela ukungena kwi-trash.
Ukulimala kwiindawo eziqashiweyo kuwe akugubungele umonakalo ongeyena inkohlakalo yakho. Ngokomzekelo, cinga ukuba uqeshe indawo yeofisi kwisakhiwo phantsi kweqeshwano elineminyaka emihlanu. Emva kobusuku bobusuku, iindudumo ezinogonyamelo ziphelile. Isibane sibetha isakhiwo kwaye sibangela umlilo kwindawo yakho yeofisi. Umbane uthathwa njengesenzo sikaThixo, ongekho mthethweni kuwe. Ngaloo ndlela, umgaqo-nkqubo awuyi kugubungela nayiphi na imfuno enxamnye nawe ukuhlawula umonakalo womlilo.
Akukho Mgangatho wokuPhathwa kweMfanelo
Imbono eyenza ukulimala kwiindawo ezithengiweyo kwi-coverage ayisebenzi kwi-exclusion of debt responsibility ngaphandle kweMfanelo yokuLawulwa koBungozi kunye nokuPhathwa kweMpahla. Ukukhutshwa kusasebenza. Ngaloo ndlela, akukho nkonzo enikezelwa yimbopheleleko ocinga ngayo phantsi koqeshiso ukuhlawulela umnini-mhlaba ngomonakalo ngomlilo kwisakhiwo esiqashiweyo. Oko kukuthi, ukuba unyanzelekile ukuhlawula umonakalo ngomlilo kwisakhiwo kuphela ngenxa yesivumelwano osayinayo (kwaye kungekhona ngenxa yemfanelo yakho yomthetho), umgaqo-nkqubo wakho wemfanelo awuyi kubhalela nayiphi na ibango ebonisa iziphumo.
Ngokomzekelo, ake sithi urenti isakhiwo. Ubhalisa indawo yokuqeshisa apho uthatha uxanduva lomonakalo lomlilo owenzeka kwisakhiwo ngexesha lokuqeshisa kwakho (nokuba okanye umlilo awukho ngenxa yokunganakwa kwakho). I-wiring ephosakeleyo kwisakhiwo ibangela umlilo owonakalisa isakhiwo. Unokuba unyanzelekile ukuba ulungise umonakalo phantsi koqeshiso. Nangona kunjalo, iindleko zokulungiswa aziyi kuhlanganiswa phantsi komgaqo-nkqubo wakho wokunyaniseka ngenxa yokuba awuvumelekanga ngokomthetho ngomlilo.
Umyinge ogqithisiweyo kuphela
Umonakalo womonakalo womlilo ochazwe ngasentla awuhloselwe ukuba ube ngumtshini we- inshurensi yepropati yoshishino . Isebenza ngokungaphezulu kwesiseko senqwelo-mali yomlilo kwipropati. Oku kuthetha ukuba ukuba isakhiwo esonakalisiweyo siqinisekisiwe phantsi komgaqo-nkqubo wepropati, i-insurer yakho yemfanelo iya kubhatala ibango emva kokuba i-inshurensi yepropati isetyenziswe. Umnini-mhlaba (okanye wena, ukuba kufuneka ukuba uqeshwe ngokuqeshiswa kwakho) kufuneka uqinisekise isakhiwo ngokumelene nomonakalo ngokomzimba ngokuthenga umgaqo-nkqubo wepropati yoshishino .
2. Ukuhlawula kwexesha elifutshane
Ingxelo yesibini ebandakanyiweyo kuMonakalo kwiZakhiwo eziqeshwe kuwe zihlawulwe ngaphandle kwezinto ezintathu ezifunyenweyo phantsi kweNdawo yokuLawulwa kweMpahla. Ezi zihlomelo zibhalwe ngezantsi.
- Ukulimala kwepropati kwipropati onayo irenti okanye uhlala kuyo
- Ukulimala kwepropati kwipropati ebolekelwe kuwe
- Umonakalo wepropati kumntu wakho kwipropati ekunyamekeleni, ekugcinweni okanye ekulawuleni
Ezi zikhethiweyo azisebenzisi umonakalo wepropathi ngengozi ngaphandle komlilo kwisakhiwo (okanye okubhalwe kuyo) urentile ixesha leentsuku ezisixhenxe okanye ezimbalwa.
Yintoni efihliweyo
Ngenxa yecala elingenanto elikhankanywe ngasentla, umgaqo-nkqubo unyanzelekile amabango okanye izikhwama ezivela kumonakalo wepropati kwindawo oqeshisa ngayo iiveki okanye ngaphantsi. Ukulimala kwipropati equkethwe kwisakhiwo kuhlanganiswe. Ubungakanani busebenza kuphela xa unemfanelo esemthethweni ngomonakalo. Umgaqo- nkqubo awuyi kuhlawula iintlawulo ozenzayo kumnikazi wendawo yendawo ngokuzithandela. Ngaphandle kwezinto ezintathu ezingabonakaliyo zibandakanya umonakalo ngenxa yeso sizathu ngaphandle komlilo.
Nazi imimiselo emibini yamabango enokuthi ihlawulwe ngokubhengezwa kwexesha elifutshane elichazwe ngasentla.
Umzekelo 1
Uyacwangcisa iseshoni yokuqeqesha isayithi kubaqeshwa bakho kwi-complex complex esekelwe kwishishini lakho. Uqeqesho luqhutyelwa kwigumbi lenkomfa oqeshwe iintsuku ezintathu ezilandelelanayo. Ngethuba leseshoni yoqeqesho, umqeshwa uphonsa omnye umntu ngomsebenzi. Ngelishwa, injongo yakhe imbi, kwaye umgxhasi uhlasela isibuko esikhulu. Isibuko sichitha. Akukho mntu utyhathekayo kodwa i-office complex later bids that you replace the mirror.
Umonakalo wenzeka kwizinto ezibhalwe kwipropati owaqeshisa iintsuku ezisixhenxe okanye ngaphantsi. Umonakalo obangelwa yingozi ngaphandle komlilo. Ukuqina kwakho kusemthethweni ngomonakalo ngenxa yokuba kubangelwa ukunganakwa komsebenzi wakho. Njengoko ibango liwela ngaphandle kwezinto ezingaboniswa apha ngasentla, kuya kubandakanywa ngumgaqo-mboleko wenkampani yakho.
Umzekelo 2
Inkampani yakho yenza i-ink cartridges kwiiprinta ze desktop. Uhambo lokuhamba kweentsuku ezintathu ukutyelela abathengi abanakho kwaye uye waletha iisampuli zeinki zakho. Ngomhla wokugqibela wohambo lwakho kwaye usegumbini lakho lehotele. Uthayisha iisampuli zakho kwi-shortcase yakho xa i-cartridge ephosakeleyo iqhuma. I-inkini ebomvu iphosa yonke indawo, iindonga, i-tappet kunye ne-bedspread.
Uxolisa ehotele nge-ink fiasco. Nangona kunjalo, ufumana ileta evela kumphathi wehotele efuna ukuhlawulwa ngeendleko zokususa iinki kwigumbi lakho lehotele kunye neziqulatho zalo. Umonakalo owenziwe kwipropati orentiweyo kwiintsuku ezisixhenxe okanye ezimbalwa, kwaye kubangelwe kwimeko ngaphandle komlilo. Unesibophezelo ngokomthetho ngomonakalo oko kubangelwa yimveliso yakho ephosakeleyo . Ibango kufuneka likhutshwe ngumgaqo-nkqubo wakho wemfanelo.
Gap
Mhlawumbi urenti ihostela yenkomfa yehotele iintsuku ezimbalwa kwiintlanganiso zoshishino. Ngethuba le ntla nganiso, usebenzisa i-lighter ekuboniseni xa uqala ngokutsha umlilo. Umonakalo womlilo ifenitshala ekamelweni leenkomfa, kwaye ihotele ikunika i $ 25,000. Ingaba ibango liya kugqitywa ngumgaqo-mboleko?
Impendulo ayikho. Ukufihla kweentsuku ezisixhenxe ezichazwe ngasentla kusebenza kwisiqulatho sendawo eqashiweyo kuphela xa umonakalo ungabangelwa ngumlilo. Umgaqo-nkqubo uthintela umonakalo ngomlilo kwiindawo eziqashiweyo, kodwa umonakalo ngomlilo kwezinye iindidi zepropati ayifakwe.
Umda
Zomibini iinxalenye zeMonakalo ukuya kwiindawo eziqashiselweyo Kufihliweyo zixhomekeke kumda othile ochanekileyo kwiibhengezo. Lo mda unokuba ngu-100,000 okanye ngaphezulu. Kancinci kunomda ngamnye woNyaka .
Xa ukhetha umda weMonakalo kwiZakhiwo eziqeshwe kuwe, kufuneka uqikelele imali enokuthi uhlawulwe ngayo ukuba isakhiwo oqeshisayo sonakaliswe ngumlilo (okanye enye ingozi xa urenta indawo iintsuku ezisixhenxe okanye ngaphantsi). Ingaba umda kumgaqo-nkqubo wakho wemfanelo unokukhawulela ukufaka ibango? Ukuba awukwazi impendulo, cela ummeli wakho we-inshurensi okanye umthengisi ukuba uncediswe.