Abaninzi bango-inshurensi banikezela ukufumana ingeniso yoshishino ngokusetyenziswa kwefom ye- ISO ifom ye ngeniso. Abanye abaqinisekisayo baye bahlakulela iifom zabo zengeniso.
Uninzi lwalo lufana nesimo se-ISO.
Iyintoni Imali Yenzuzo?
Kwimeko yomshuwalense wepropati yepropati ibandakanya oku kubini kwezi zilandelayo:
- Ingeniso yeNeniso Imali engenayo enokuyifumana xa kungekho nto ilahlekile. Imali engenayo iyinzuzo okanye inkunkuma yakho phambi kokuba irhafu yerhafu isuswe.
- Iindleko eziqhubekayo Iinkcitho zokusebenza eziqhelekileyo kufuneka uqhubeke uhlawula emva kwelahleko. Imizekelo irente, umbane kunye nentlawulo yepropati.
Amashishini amaninzi afumana inzuzo ngokubonelela ngeenkonzo okanye ukuthengisa imveliso . Abanye bafumana enye okanye yonke yabo ingeniso ngokuqesha isakhiwo kubaqeshi. Ukuba isakhiwo sonakaliswe kangangokuba singabikho nendawo yokuhlala, umninimzi uya kulahlekelwa ngeniso yengeniso enokuthi mhlawumbi ayifumane.
Xa uthengisa ukufumana ingeniso yezoshishino ungakhetha enye yeendlela ezintathu:
- I-Income yeShishini kuquka nexabiso leRhafu elidibeneyo eliqulunqwe ishishini elitholayo inzuzo kwimisebenzi yerenti neminye imisebenzi
- I-Income yeBhishino Ezinye Ixabiso leeRhafu ezijoliswe kwi-ishishini elingenayo nayiphi na ingeniso yerenti
- Ixabiso lokuqeshisa kuphela Lenzelwe ishishini elinemali engenayo isuka kuphela kwindawo yokuqasha
Ixabiso lentengo lithetha inzuzo engenayo oyifunayo kubaqeshi ukuba ukulahlekelwa akuzange kwenzeke. Iquka ixabiso eliqashisayo lokuqeshisa naliphi na isakhiwo sendawo ohlala kuyo (irenti oya kuyifumana xa uyiqeshise ukuba inxalenye yepropati kumqeshi).
Ixabiso lentengo libandakanya iindleko zakho eziqhelekileyo.
Iimfuno zoPhuculo
Ilahleko lokufumana ingeniso yoshishino lufakwe kuphela xa zonke izi zilandelayo zizalisekile:
- Ukulahlekelwa kweNgeniso Ulahlekelwa ngumvuzo ongenayo ngenxa yokumiswa "okuyimfuneko" yezoshishino zakho.
- Ukulahleka komzimba Ukumiswa kusiphumo esivela kumonakalo ngokomzimba ngengozi ehlanganisiweyo kwipropati echazwe kwimibiko. Iingozi ezifihliweyo zidla ngokuchazwa kwicandelo lomgaqo-nkqubo obizwa ngokuba yiCause of Loss.
- Umda olinganisiweyo Umlinganiselo womvuzo womsebenzi kufuneka uhlelwe kwindawo apho kulahleka khona.
- Ixesha lokubuyisela Ukumiswa kufuneka kwenzeke ngexesha lexesha elibizwa ngokuba lixesha lokubuyiselwa (kuchazwe ngezantsi).
Ukumiswa kuyenzeka ukuba umsebenzi wakho wezoshishino uncipha okanye unqande ngokupheleleyo. Ukuba i-coverage yakho ibandakanya ixabiso lokuqashisa, ke ukumiswa kuyenzeka ukuba yonke into okanye isahlulo seendawo ezichazweyo zingenakunokuhlala nengozi ngenxa yomonakalo ngengozi.
Iimpahla ezingonakaliyo akufuneki
Ukufumana ingeniso yoshishino kusebenza kwilahleko yengeniso ojongene nayo ngenxa yokulimala ngokomzimba kwipropati ebangelwa imbangela yokulahleka. Ipropati ewonakalisiweyo akufuneki ukuba yeyakho. Ngaphezu koko, akufuneki ukuba "ifakwe impahla" phantsi komgaqo-nkqubo wakho.
Ngokomzekelo, cinga ukuba uqhuba ishishini lokucoca elomileyo kwisakhiwo oqeshisayo kwi-Rent-Building-Building. Umnini-mnini wakho uqinisekise isi sakhiwo phantsi komgaqo-nkqubo wepropati. Uqiniseke ipropati yakho yomntu phantsi komgaqo-nkqubo wepropati worhwebo oquka ukufumana ingeniso yoshishino. Umgaqo-nkqubo wakho ubonisa umlinganiselo we-intlawulo yezorhwebo kwindawo yakho yokuhlala.
Emva komnye ubusuku isakhiwo sonakaliswe kakubi ngumlilo. Unyanzelekile ukuba uvale ibhizinisi lakho kwiinyanga ezintathu ukuya kwakha isakhiwo. Isakhiwo asikho kuwe, kwaye asifaneleki "njengepropati ehlanganisiweyo" phantsi komgaqo-nkqubo wakho wepropati. Nangona kunjalo, ingeniso olahlekelwayo ngenxa yokuvalwa kwebhizinisi lakho kufuneka ifunyenwe ngumsebenzi wakho wokufumana ingeniso. Ilahleko lakho lokulahlekelwa liye laphumela ekutshitshweni kwebhizinisi lakho ngenxa yomonakalo okwenziwe ngumonakalo (umlilo) kwipropati kwindawo echazwe kumgaqo-nkqubo wakho.
Ixesha lokubuyisela
Ingeniso engakanani elahlekelwayo ngenxa yokumiswa kwebhizinisi incike kakhulu kwixesha elifunekayo lokulungisa ipropati ewonakalisiweyo. I-inshorensi yengeniso yoshishino ibandakanya ingeniso olahlekileyo ngexesha lokubuyiselwa .
Ngaphantsi kweengxowa-mali ezininzi zenza ixesha lokubuyiselwa liqala iintsuku ezimbalwa emva kokulahlekelwa ngumzimba. Esi sithuba esikwi-coverage sihlobo lokurhoxiswa olubizwa ngokuba lixesha lokulinda . Ixesha elilindelekileyo lokulinda liiyure ezingama-72. Ngokomzekelo, ukuba umlilo uphula ngomhla ka-Juni 1, ixesha lokubuyiselwa liza kuqala ngoJuni 4. Ukufumana imali olahlekileyo kwiintsuku zokuqala zokumiswa kungayi kubalwa. Abanye abatshutshisi banika ingxelo yokufumana ingqesho ngaphandle kwexesha lokulinda.
Ixesha lokubuyiselwa liphela ngokuphela xa ipropati eyonakalisiweyo kwindawo echazwe kuyo, okanye kufuneka ilungiswe, ilungiswe. Ukuba uhamba kwindawo entsha, ixesha lokubuyiselwa liphela xa uphinde uqhube ishishini kwindawo entsha.
Ixesha lokubuyisela alibandakanyi nayiphi na ixesha elongezelelweyo elifunekayo ukuthobela ikhowudi yokwakha. Ngokomzekelo, cinga ukuba ukuvulwa kwakhona kweshishini lakho lokucoca elomileyo lilibalelwa kwiiveki ezimbini kuba ukulungiswa kufuneka kuhambisane nekhowudi entsha yokwakha. Ingeniso olahlekelwayo ngeli xesha leeveki ezimbini ezongezelelweyo aziyi kuhlanganiswa.
IiNgcaciso ezongezelelweyo
Iifom zemivuzo yezo shishino ziquka ngokubanzi ezinye iinkcazo. Ezi zichazwe kwinqaku elihlukile .