Ngaloo ndlela, kubalulekile ukuqwalasela iindleko zokususa iindleko xa ukhetha imida yomshuwalense.
Umda wokuSuswa kweNkunkuma
Ininzi yemigaqo-nkqubo yepropati ikhupha iindleko zokususa iindleko ngendlela efanayo nefom ye- ISO . Umgaqo-nkqubo we-ISO ujongana nale ndleko kwicandelo elinesiXhosa. Iquka iindleko zakho ezithintekayo zokususa i-debris yepropati ewonakalisiweyo ukuba umonakalo uphuma kwisibambiso sokulahleka. Iindleko zimele zibangele ukulahlekelwa okwenzeka ngexesha lomgaqo-nkqubo kwaye kufuneka zixelwe kwi- insurer yakho kwiintsuku ezili-180 zomhla wokulahleka.
Ipropati eViweyo
Nangona yonke imigaqo-nkqubo yepropati ihlawula ukukhishwa kweemfucuza, ayinakufihla iintlobo ezifanayo. Eminye imida yemida yokukhawulela kwiingxowa zeCovere d Property . Awufihla iindleko zokususa i-debris yepropati engagqitywanga.
Ngokomzekelo, cinga ukuba isivunguvungu siphezu kwedolophu yakho, sonakalise indawo yakho yokugcina.
Isiqhwithi sonakalisa isakhiwo esiseduze nawe. Emva kokuba isiqhwithi siphelile, izibilini zeengxangxwa esakhiweni esingaphandle kwendawo yecala lendawo yakho. Ingaba umgaqo-nkqubo wakho uza kubandakanya iindleko zokususa? Impendulo incike kwigama kumgaqo wakho. I-debris ivela kwisakhiwo sommelwane wakho, esingagcinwanga kwiPropati phantsi komgaqo-nkqubo wakho.
Ukuba ukukhutshwa kwakho kwendawo yokukhutshwa kwamatyala kusebenza kuphela kwimfucuza yepropati ekhuselekileyo, ayiyi kugubungela iindleko zokususa iisali zesakhiwo sommelwane wakho.
I-ISO yandise ukukhutshwa kwe-debris kwifom yefom ye-standard standard. Ngo-2012 ifom yangoku ifihla iindleko zakho ukususa i-debris yepropati ekhutshwe kunye nezinye iindawo ezingcolileyo kwiindawo ezichazweyo xa i-debris ivela kwiziphumo ezilahlekileyo. Ezinye i-debris zichaza ukungcola kwepropathi engabandakanywa ngokukodwa phantsi kokungabikho kwenkunkuma.
Ukukhishwa kwendleko yokukhishwa kwendleko akusebenzi kwiindleko zokususa i-debris yepropati eyakho kodwa ayiqinisekisiwe phantsi komgaqo-nkqubo. Umzekelo umsele wokugcina okhoyo kwindawo okhethileyo ukuba ushiye i-uninsured. Kwakungekho iindleko zokususa i-debris yiphina impahla eyomnye umntu kwaye ayilona uhlobo oluza kugutywa kwipropati phantsi komgaqo-nkqubo. Ngokomzekelo, umgaqo-nkqubo awuyi kugubungela iindleko zokususa i-debris yendiza encinane ebhiziniselwano elingummelwane elaphoshelwe kwipropati yakho ngqabunga. I-Aircraft ayifanelekanga njengepropati ehlanganisiweyo.
Kwakhona kungabandakanywa phantsi kwenkcazo yokukhutshwa kwee-debris yindleko yokususa i-debris yepropati ekhethwe njengeNgcaciso.
Oku kubandakanya iindleko zokususa i-debris yepropati yangaphandle njengezicingo kunye nemithi.
Isiseko sokuSuswa koTywala
Ngaphantsi kwefom ye-ISO, umda owenzelwe ukukhutshwa kwezinto zokungcola i-25 yeepesenti yeendleko zokulungisa okanye ukubuyisela ipropati eyonakalisiweyo kunye ne- deductible . Ngokomzekelo, cinga ukuba inkampani yakho inesitoreji esiqinisekisiwe phantsi komgaqo-nkqubo wepropati. Umgaqo-nkqubo uquka umda we-blanket we- $ 1 osebenza kwisakhiwo kunye nokuqukethwe kwawo. Umgaqo-nkqubo uquka i-$ 1,000 echithwayo. Umlilo omkhulu uphuma kwisakhiwo, obangela imali engama-500 000. Umda wokukhutshwa kwamatyala ngowama-25 ekhulwini (i-$ 500,000 kunye ne-$ 1,000) okanye i-$ 125,250.
Isixa osichithayo ukususa i-debris sifakwe kwisiqingatha esisebenza kwipropati ewonakalisiweyo. Kwimzekelo yangaphambili, cinga ukuba uchithe i-100,000 ukususa i-debris yendawo yokugcina impahla kunye nepropati yakho.
Iindleko zokulungisa okanye ukubuyisela indawo yakho i-$ 500,000. Ilahleko lakho elipheleleyo li-$ 600,000. Ilahleko lakho kufuneka lihlanganiswe ngokupheleleyo (unciphise i-deductible) ukususela ekulahlekeni kwakho konke akudluli umda wakho we-1 million.
Kwimodeli yokugcina indawo echazwe ngasentla, cinga ukuba isivunguvungu sonakalisa isakhiwo sommelwane wakho kwaye i-debris iqhuma kwindawo yakho. Indawo yokugcina impahla isinda umonakalo. Ekubeni akukho Mhlaba oPhihliweyo uye wonakaliswa, umgaqo-nkqubo ungabonelela kuphela umyinge we-5,000 wemali yokutshatyalaliswa kwenkunkuma.
Eyongezelelweyo yamaRandi 25,000
Imigaqo-nkqubo eninzi ihlinzeka ngee-25,000 zamaRandi ezongezelelweyo ukuba ngaba zilandelayo zilandelayo:
- Iindleko zakho zokususa iindleko zigqithise inani lemali enikezelwayo. Oko kukuthi, iindleko zakho zigqithise iipesenti ezingama-25 zesibalo sokulahleka kwakho kunye ne-deductible yakho.
- Isamba seendleko zakho zokususa iindleko kunye nokulahlekelwa kwepropati yakho kudlula umda wakho we-inshurensi.
Ngokomzekelo, cinga ukuba igumbi lakho lokugcina ligcine imali engama-300,000 engumonakalo ngomlilo. Iindleko zakho zokucoca ziphezulu (i-$ 100,000) ngenxa yepropati eyonakalisiweyo yonakaliswe ngamakhemikhali anobungozi egcinwe kwindawo yakho yokugcina. Umda wokukhutshwa kwamatyala ngu-$ 75,250 (.25 X $ 301,000) kodwa iindleko zakho zi-$ 100,000. Iindleko zakho zidlula umda wakho nge $ 24,750. Ngethamsanqa, i-25,000 eyongezelelweyo yama-25,000 enikezelwa ngumgaqo-nkqubo iya kubhalela ukungaphumeleli.
Khawuthethe ukuba iindleko zokulungisa ipropati yakho eyonakalisiweyo yi-$ 825,000. Uchitha i-$ 200,000 ukuze ususe i-debris kwindawo yokugcina igumbi. Iindleko zokususa iindleko zakho azidluli umda wokukhutshwa kwetririsithi, eyi-25 ekhulwini (i-825,000 kunye ne-$ 1,000) okanye i-$ 206,500. Nangona kunjalo, inani lakho lokulahleka kunye neendleko zokususa i-debris zidlula umyinge we-$ 1 million ($ 825,000 kunye ne-200,000 = 1,025,000). Iindleko ezingama-25,000 eziseleyo kwiindleko ezidibeneyo mazifunyenwe ngumda wee-25 000 wongeziweyo.
Ukuhlanjululwa koNgcoliseko kunye neNgxowa-mali engcolileyo
Imililo, izivunguvungu kunye nezinye izingozi zingonakalisa umhlaba oqukethe izinto ezinobungozi. Ukuba isitya sazo sonakaliswe, ezi zinto zingangcolisa i-debris eshiywe emva okanye ingene kwilizwe okanye ngamanzi. Imizekelo yezinto ezinobungozi yimizi enobuninzi, iipende, iicatticides, izichumisi, ibhetri ekhokelayo, i-petroli, kunye ne-asbestos.
Amaninzi amaninzi anemithetho elawula ukucocwa nokulahlwa kwezinto ezinobungozi, kubandakanywa nalawo akhoyo kwiindawo ezingcolileyo okanye akhululwe ngexesha lomlilo okanye enye inhlekelele. Ezinye izinto zingadinga ukuphathwa okukhethekileyo, ezinokuqhuba iindleko zokususa iindleko.
Uninzi lwemigaqo-nkqubo yepropati iqulethe ukungcola ukungcola, okuphelisa ukukhawulelwa kwanoma yimuphi umonakalo obangelwa ukukhutshwa okanye ukukhululwa kokungcola. Ukukhutshwa akusebenzi xa ukukhutshwa kubangelwa yintlungu elahlekileyo, ixesha elichaziweyo elibandakanya umlilo, isivunguvungu, ukuchithwa kwempahla , kunye nezinye izinto ezinobungozi. Kwiimeko ezikhankanywe ngasentla, igumbi lakho lokugcina lonakaliswe yimvunguvungu okanye umlilo. Ukuba ukucoceka kukhishwe ngenxa yengozi, iindleko zokucoca kunye nokulahlwa kwazo kufuneka zifakwe kwingxelo yokukhutshwa kwetyala.
Ukuhlanjululwa kwezinto ezingcolileyo kwiMhlaba okanye ngamanzi
Qaphela ukuba ukukhutshwa kwenkunkuma ekukhutshweni ngokukodwa kungabandakanyi indleko zokukhupha izinto ezingcola kumhlaba okanye ngamanzi. Ngokomzekelo, cinga ukuba igumbi lakho lokugcina lonakaliswe ngumlilo. Umlilo uncibilikisa isigubhu sensimbi esinezichumisi. Isichumisi sonakalisa i-debris yokwakha. Ingena kwakhona emhlabathini kwaye ihlambe umlambo kufuphi nepropati yakho. Ukukhutshwa kwento yokukhutshwa kwamatyala kufuneka kusebenze kwiindleko zokucoca i-debris engcolileyo. Akuyi kubakho iindleko zokususa isichumisi emhlabathini okanye umlambo.
Nangona iindleko zokucoca amanzi kunye nomhlaba zingabandakanywa phantsi kokungabikho kwenkunkuma yokukhutshwa, zikhutshwe ngegalelo elilodwa elibizwa ngokuba yi-Pollution Clean and Removal. Ukuhlawulela iindleko zokucocwa, ukungcola kufuneka kukhutshwe ngenxa yeso sizathu sokulahleka. Umda onikezelweyo udla ngokuphantsi, njengama-$ 10,000. Umda ngowona mkhushurensi uza kuhlawula ukuhlambulula ukungcola ngexesha lolawulo lonke.