Ngenye ilanga kwamanqaku angamakhulu amaninzi abahlali base-Cityville bahamba behamba kwiSitalato saseNtloko Baqhankqalaza ukusetyenziswa kwemali kawonkewonke ekwakheni inkundla entsha yezemidlalo.
Ukubonakaliswa kuqhubeka ngokuthula kuze kubekho iqela labaxhasayo bezemidlalo. Abaxhasi kunye nabarhwebi batshintshisa ukuhlambalaza kunye nokulwa. Emva koko umntu uphonsa ilitye ngefestile yefestile yecala kunye nokugqithiswa kwesigxina. Abaqhubi baqala ukuphanga kunye nokuphazamisa amashishini asekuhlaleni. Ngokukhawuleza, isihlwele siphephelela kwiCape Cafe kunye neengxabano. Amapolisa ekugqibeleni afike kwaye ukuphazamiseka kuphelile.
Kungoku kulandelayo kusasa kwaye uCarl uhlola umonakalo. Iwindow yangaphambili yecaffe ilahlekile kwaye umnyango wonakaliswe. Izibane zokukhanya ziye zahluthwa iindonga. Ifenitshala ephukile ihlanjululwe kwigumbi lokudlela. Ukuhlambulula iibhotile zewayini, iilazi zeglasi, kunye neempuphu eziqwengqileyo ezihlambulukileyo. Ikhitshi ihlala ihleli kodwa ifriji kunye nefriji zihlulwe ukutya. Abaphangi baphinde babambe amatyala amaninzi otywala.
Iifowuni zeCarl i- insurer yakhe yepropati ukubika umonakalo. I-adjuster ifika emva kweeyure ezimbalwa.
Xa i-adjuster ihamba iCarl ibutha iqela lokucoca nokulungisa. Utshintsha iifenitshala, i-glassware kunye nezinye izinto eziye zachithwa yi-vandals. Ubeka endaweni yokuphanga ukutya kunye notywala.
Kuye ngoku iintsuku ezintathu emva kokuphazamiseka. UCarl uza kuvula kwakhona i-cafe xa eva iindaba ezimbi. Isebe lomlilo lendawo livalile iSitrato esikhulu ubuncinane kwiiveki ezimbini!
Kubonakala ukuba, abaqhudayo bafaka umlilo ehotele ephakathi kwesiqingatha kwibloko. Isakhiwo sonakaliswe kakhulu kwaye sengozini yokuwa. I-Street Street izakuvalwa kuze kufikelelwe isakhiwo.
UCarl uphazamiseke. Sele sele elahlekile iintsuku ezintathu zengeniso kwaye ukuvalwa kwesitrato kuya kumenza alahlekelwe ngaphezulu! Ingakanani umonakalo wakhe wepropati kunye nokulahlekelwa kwemali ehlawulwayo kuya kuhlanganiswa yinshurensi yakhe yepropati?
Ukulimala kweMpahla
Iwindowwindwindla, iminyango kunye nokukhanya okuye kwonakaliswa ngethuba loqhankqalazo luyingxenye yesakhiwo sikaCarl. Ngaloo ndlela, ezi zinto kufuneka zigqitywe phantsi kwe-Building coverage equka kwinkqubo kaCarl. I-glassware, ifenitshala, iibhulaphu, ukutya, utywala kunye nezinye izinto ezonakalisiweyo okanye ezibiweyo kufuneka zilungele ukufumana ingxelo phantsi kwe-Carl's Business Personal Property coverage. Umonakalo uya kuxhomekeka kwimida ( ethile okanye ingubo ) kunye neentengo ezidityanisiweyo ezibhalwe kumgaqo- nkqubo wakhe .
I-Riot, i-Civil Commotion, i-Vandalism
Ininzi yemigaqo-nkqubo yepropati ibandakanya umonakalo obangelwa nayiphi na ingozi engabandakanywa ngokukodwa. I-riot, ukudidana komphakathi, kunye nokutshatyalaliswa kwempahla akuqhelekanga. Ngenxa yoko, umonakalo obangelwa nayiphi na le mingcipheko kufuneka ifakwe.
Imigaqo-nkqubo emininzi ayichazi intlankqalazo , ukudidana komphakathi okanye ukutshabalalisa .
Iingcaciso zomthetho zomfontoko ziyahluka kodwa igama libhekisela ekuphazamiseni uxolo olubandakanya ubuncinane abantu abathathu. Ukwenza ingxabano, abantu ngabanye kufuneka benze ngokubambisana ukwenza izenzo zobundlobongela ngokumelene nabanye abantu okanye impahla. Ingxabano yomphakathi ifana nomdumo kodwa ngokubanzi kubandakanya abantu abaninzi. I-riot kunye neengxabano zomphakathi kunokuba nzima ukuhlula ngoko iingozi zihlala zibhaliwe kunye. Ukutshatyalaliswa kwempahla kubhekisela ekubhujisweni ngokwenene kwipropati yomnye umntu. Ngenxa yokuba umonakalo kwipropati kaCarl yabangelwa yimingcipheko engabandakanyiweyo, umonakalo kufuneka ukhankanywe.
Ukulahlekelwa kweNgeniso kunye neNdleko eyongezelelweyo
Ibhizinisi likaCarl lilahlekelwe iintsuku ezintathu zengeniso ngenxa yomonakalo emzimbeni kwi-cafe yakhe ebangelwa ngabahlaseli kunye neziqhamo. Ukulahleka kwengeniso kufuneka kukhunjulwe yinshurensi yengeniso yoshishino .
UKarl mhlawumbi wafumana ezinye iindleko ezongezelelweyo ukuze enze ishishini lakhe liqhube ngokukhawuleza. Ngokomzekelo, mhlawumbi uhlawule iindleko zokuthutha ezongezelelweyo ukuba abe nokutya kunye nezinye izinto eziqhutyelwe kwi-cafe yakhe. Ezi ndleko zongeziweyo kufuneka zifakwe phantsi kwe-Carl eyongezelelweyo yenkcitho.
Kuthiwani malunga nokulahlekelwa kwengeniso i-cafe iya kubandezeleka ngenxa yokuvalwa kwesitrato eyalelwe yisebe lomlilo? I-inshorensi yengeniso yezoshishino ngokuqhelekileyo ibandakanya ukunikezelwa kweGunya loLuntu . Olu phuhliso lubandakanya ukulahleka kwengeniso eyenzekayo ngenxa yokuba ukufikelela kwindawo yakho kuvunyelwe igunya likarhulumente, njengesebe lomlilo. Ukufikeleleka kufuneka kuvunyelwe ngenxa yomonakalo ngengozi ehlanganisiweyo kwipropati engekho kwindawo yakho.
Ukubambisana kwamagunya omthetho kusebenza ixesha elide, ngokuphindwe kwiiveki ezintathu ukuya kwezine. Unako ukwandisa ngeli xesha ngokuhlawula i-premium eyongezelelweyo.
Isebe lomlilo lithintele ukungena kwindawo ejikeleze i-Carl yokudlela ngenxa yokulimala komlilo kwihotele efuphi. Ngaloo ndlela, ingeniso yeKarl elahlekelwayo ngenxa yokuvalwa kwesitalato kufuneka ihlanganiswe (ngokuxhomekeke kwinani leentsuku ezinikezelwa ngalo kumgaqo-nkqubo).
Ixesha lokulinda
Kubalulekile ukuba uqaphele ukuba ezininzi iinkqubo zepropati ziquka ixesha lokulinda (uhlobo lokudityaniswa) phantsi kwe-inshorensi yengeniso yoshishino. Ixesha lokulinda lisebenza nakumagunya aseburhulumenteni (kodwa kungekhona imali eyongezelelweyo). Ixesha elilindelekileyo lokulinda liiyure ezingama-72.
Ukufumana ingeniso yoshishino kusebenza ekulahlekelweni kwengeniso oyenzayo ngenxa yokumiswa kwemisebenzi yakho ngexesha lokubuyiselwa . Xa ixesha lokulinda lisebenza, ixesha lokubuyiselwa liqala iiyure ezingama-72 emva kokulahlekelwa ngumzimba. Ukuba i-Carl yokufumana ingeniso yoshishino ibandakanya ixesha lokulinda iiyure ezingama-72, ingeniso elahlekileyo kwiintsuku ezintathu ibhizinisi lakhe livaliwe ngenxa yokuqhushulwa. Ixesha lokulinda liya kusebenza phantsi kolawulo lwabantu.
Ayikho yonke imigaqo-nkqubo yepropati iqule ixesha lokulinda phantsi kwengxelo yokufumana ingeniso yoshishino. I- arhente okanye umthengisi wakho unokukunceda ukuba uqinisekise ukuba umgaqo-nkqubo wakho uqulethe lo mqathango.