2024 Tus sau: Elizabeth Oswald | [email protected]. Kawg hloov kho: 2024-01-13 00:07
Qee lub tuam txhab tuav pov hwm tsheb yuav tsis tuav lub tsheb nrog lub npe rov tsim dua. Lwm tus yuav tau pov hwm lawv, tab sis yuav tsis muaj kev pab them nqi tag nrho. Qhov no yog vim nws tuaj yeem nyuaj rau kev txheeb xyuas tus nqi tiag tiag ntawm lub tsheb uas tau rov tsim dua. … Yog tias tus neeg tuav pov hwm tsis kam them koj lub tsheb vim nws muaj lub npe rov tsim dua, koj tseem muaj kev xaiv.
Koj puas tuaj yeem lav lub npe rov tsim dua?
Tsheb nrog lub npe rov tsim dua tuaj yeem raug pov hwm, tab sis cov txheej txheem nyuaj dua li cov tsheb uas muaj npe huv. Feem ntau cov tuam txhab tuav pov hwm yuav sau tsab cai lav rau lub tsheb rov tsim dua tshiab, tab sis feem ntau tsis txaus siab los txuas ntxiv txoj cai them tag nrho.
Puas kim dua los lav lub tsheb rov tsim dua?
Puas kim dua los ua pov thawj lub tsheb rov tsim dua? Yog lawm, yog tias koj muaj lub tsheb tsim kho dua tshiab, koj yog zoo li yuav them tus nqi siab dua li koj xav rau lub tsheb lub npe huv. Qhov ntawd yog vim muaj ntau lub tuam txhab pov hwm tsis tau pov hwm lub npe tsheb rov qab, yog li nrog kev sib tw tsawg dua thoob plaws kev lag luam, tus nqi tuaj yeem them taus siab dua.
Puas rov tsim lub npe phem?
Cov neeg yuav khoom yuav ceev faj txog kev tsim kho dualub npe vim qhov no feem ntau txhais tau tias lub tsheb tau raug xwm txheej phem lossis tag nrho yav dhau los. Cov neeg yuav khoom uas tab tom nrhiav nqis peev nyiaj rau hauv lub tsheb tuaj yeem ceev faj txog cov npe rov tsim dua vim tias muaj teeb meem uas tuaj yeem tshwm sim los ntawm kev raug xwm txheej dhau los.
Dab tsi yog qhov downside ntawm lub rebuiltnpe?
Con: Nyuaj rau Insure
Qee lub tuam txhab pov hwm yuav cov tsheb rov tsim kho tsuas yog rau kev lav phib xaub, txhais tau tias qhov kev puas tsuaj koj ua rau lwm lub tsheb thiab khoom hauv kev sib tsoo. Qee tus neeg tuav pov hwm yuav tsis muab kev lav phib xaub. Yog vim li cas nws tseem ceeb heev uas yuav tau mus kav khw rau kev tuav pov hwm ua ntej yuav ib lub tsheb rebuilt.
Pom zoo:
Puas daim pib caij tsheb puas cuam tshuam txog kev tuav pov hwm?
Kev ua txhaum txoj kab tsheb thauj mus los hauv California raug them raws li kev ua txhaum cai tsis yog kev ua txhaum cai, thiab nws tsis ua rau cov ntsiab lus ntawm koj daim ntawv tsav tsheb. Qhov no txhais tau tias nws yuav tsis cuam tshuam koj tus nqi pov hwm.
Puas yog qeb s cuam tshuam txog kev tuav pov hwm?
Ib Qeb S (los yog Cat S) lub tsheb yog ib qho uas tau raug kev puas tsuaj, tab sis nws tseem kho tau. … Qhov no daim ntawv yuav cuam tshuam tus nqi ntawm kev tuav pov hwm thiab yuav txo tau tus nqi koj tuaj yeem muag lub tsheb rau yav tom ntej.
Puas rov tuav pov hwm rov qab xav tau cov neeg tuav pov hwm rov qab?
Cov tuam txhab tuav pov hwm rov qab feem ntau yuav rov ua pov hwm lawv tus kheej, lub sij hawm hu ua retrocession. Ntau txoj cai tau nthuav tawm ntawm ntau tus neeg tuav pov hwm rov qab. Nyob rau hauv rooj plaub no, qhov kev sib pauv yuav koom nrog tus thawj coj rov tuav pov hwm uas yuav sib tham txog cov ntsiab lus ntawm txoj cai uas lwm tus neeg tuav pov hwm rov qab yuav koom nrog.
Thaum cov tuam txhab tuav pov hwm yuav kev pov hwm los ntawm cov tuam txhab tuav pov hwm ncaj qha?
Hauv cov ntsiab lus yooj yim, kev tuav pov hwm rov qab yog kev tuav pov hwm rau cov tuam txhab tuav pov hwm muab hauv daim ntawv cog lus ntawm kev them nyiaj tsis yog daim ntawv cog lus lav. Feem ntau, tus neeg tuav pov hwm ncaj qha yuav tsum xub them qhov poob thiab tom qab ntawd nrhiav nyiaj rov qab rau qhov kev poob ntawd los ntawmnws cov nyiaj rov qab.
Puas cat c cuam tshuam txog kev tuav pov hwm?
Lub tsheb Cat C yooj yim npaum li cas kom tau pov hwm? Lub koom haum ntawm British Insurers (ABI) hais tias feem ntau cov tuam txhab pov hwm yuav them rau Cat C tsheb tab sis koj yuav tau them tus nqi ntau dua. Tus neeg tuav pov hwm yuav tshuaj xyuas koj lub tsheb keeb kwm thaum koj thov thiab tuaj yeem lav koj daim npog tsis raug yog tias koj tsis tau tshaj tawm tias nws yog kev sau tawm.
