Property Policy Kukanganisa
Mifananidzo, zvibatanidzwa, uye zvinhu zvakafanana zvinogadziriswa seimba inenge iri pasi pemaitiro evhudziro rezvematongerwo enyika .
Zvisinei, mitemo yakawanda ine zvigadziro zvinogadzirisa kugoverwa kwezvinhu zvakadaro.
Valuation
Imwe dambudziko guru ndiko kukosha. Mune mitemo yakawanda, kushandiswa kwekubhadhara mari inoshandiswa hakushandisi kumabasa emifananidzo, antiques kana zvinyorwa zvisiri nyore. Kunyangwe iwe wakasarudza kuvhara bhizinesi rako pfuma yako pane imwe nzvimbo yekubhadharisa mari, chero kurasikirwa kunosanganisira mabasa oumhizha kuchagadziriswa kuburikidza nemari chaiyo chaiyo yezvinhu zvakakanganiswa. "Mabasa eunyanzvi" anosanganisira enchings, mifananidzo, shatuary, marbles, bronzes, porcelains, uye bric-a-brac. Zvinhu izvi zvinogona kudhura kugadzirisa uye zvakaoma kuchinja. Zvimwe zvinogona kuva zvakasiyana uye zvakaoma kumubhizimisi wako kuti uwane zvakarurama. Nokuda kwezvikonzero izvi, unyanzvi hwakaisvonaka hunofanirwa kunge husingafaniri kuiswa inshuwarisi pane chaiyo chaiyo mari inokosha.
Exclusions
Nzvimbo dzakawanda dzekutengesa pfuma dzemabhizimisi dzinosanganisa matambudziko ayo mapepa nemamwe magetsi akanaka angave akaoma. Heano mienzaniso:
- Kuchinja kana kukanganisa mumamiriro ekushisa;
- dampness kana kuoma kwemhepo;
- kurwisana kana kukwidza;
- nharo kana kuputika kwezvipembenene, shiri kana makororo;
- f ungus ;
- Seepage inopfuurira yemvura kana unyoro kwemazuva gumi nemana kana kupfuura;
- Mvura inoputika kubva kumapuranga kana mhepo inokonzerwa nekukanda.
Iko yekutanga yezvikamu zvashanu zvakanyorwa pamusoro apa inowanzoiswa pasi kunze kwekurasikirwa kunotevera ne "chikonzero chakashata chekurasikirwa" (chinonzi chinetso).
Izvi zvinoreva kuti, kana kupisa kunoshanduka, mhepo inonaya yakawanda inokonzera dambudziko rinonzi rakashata, mhirizhonga inokonzerwa nedambudziko rinonzi yakawirwa yakafukidzwa. Semuenzaniso, shiri dzinogara pedyo nekugadzirisa chiedza dzinokonzera moto muimba yako yekambani. Moto unokuvadza mufananidzo unosungirirwa pahofisi yako. Nesting nest is excluded dangers, but fire is "a cause of loss." Nokudaro, kukanganisa kwependi yako kunofanira kuvharwa.
Kuparadzanisa Kukanganiswa
Mitemo yakawanda ine chikamu chechikwereti chisingabatanidzi kugoverwa kwezvinhu zvakashata zvakadai sematatu, marble, uye chinaware. Kuparara kweimba yakadaro hakubvumi kunze kwekunge kunokonzerwa ne "chinokonzera kukanganisa."
Semuenzaniso, vandals vanopinda muhofisi yako usiku humwe uye vanokanda chifananidzo chinokosha padhoro rekrete. Mufananidzo wacho unoputsa. Nemhaka yokuti kuparara kwakabva kune njodzi yakavharwa (kuparadza), kukanganisa kwechifananidzo kunofanira kuvharwa. Zvisinei, kukanganisa kwaisazofukidzwa kana mutemo wakaputsa nokuti mushandi akazvikonzera nechibvumirano kubva pachifuro chawakaratidzwa.
Zvipfeko Zvakanaka
Nokuda kwezvikonzero zvinotaurwa pamusoro apa, haufaniri kuvimba nekutengeserana kwemahofisi yako kuti uwane mifananidzo inokosha. Kuti uchengetedze bhizinesi rako pamusoro pekurasikirwa, iwe unoda kutenga yakanaka yehutano inshuwarisi.
Izvi zvinowanzowedzerwa kune zvekutengeserana purogiramu yemapurisa kuburikidza nekubvumirwa . Inogona kunyorwawo pachayo seyoyo mutemo wakasiyana. Chimiro chakanakisisa chekugadzira kana kuvimbiswa kunowanzotaurwa sechikwata chakaisvonaka .
Kukurukurirana kunotevera kunotarisa pahutano hwakanaka hwehutano hunowanzowanikwa nemabhizimisi maduku. Ichi chinyorwa chakagadzirirwa makambani ane mifananidzo yakakosha asi haasi mune bhizinesi rakanaka. Museums, vatengesi vezvigadzirwa, maonesheni, mabhizimisi emabhizimisi uye mamwe mabhizimisi ane chokuita nehupenzi anoda humwe huwandu hwekugovera.
Valuation
Mhando dzakawanda dzakanaka dzezvenyanzvi dzinofukidzira mifananidzo uye zvimwe zvakagadzirwa pamagariro anobvumirana . Izvi zvinoreva kuti iwe nemubatsiri wako unobvumirana pamusoro pekukosha kwechinhu chimwe nechimwe pakutanga kwepurogiramu. Kana chikamu chemifananidzo chakarashika, chakakuvadzwa kana chakabiwa, kurasikirwa kuchagoverwa zvichienderana nehuwandu hwekubvumirana.
A deductible inoshanda kune rimwe nerimwe kurasika.
Paunenge uchitenga mabhizimisi akanaka kwazvo, funga kuti hutsika dzaunoisa kune wako insurer dzakarurama. Kana iwe usingazivi nezvekukosha kwechinhu, ita kuti nzvimbo iongororwe nomukurumbira unoyevedza. Mutemo wako unofanirwa kuisa rondedzero yechinhu chimwe nechimwe chekuchengetedzwa uye chibvumirano chakatenderana. Kana chimwe chinhu chiri kuparadzwa kana kubiwa, wako insurer haazobhadharwi kudarika kukosha kwayo kubvumirana kudarika iyo yakabviswa.
Covered Property
Mamwe mabhizimisi maduku anotenga chikwata chakanaka chekutengesa vanochengetwa pasi pefomu rakarongwa. Rudzi urwu rwemafomu runovhara zvinhu zvakanyorwa mumashoko ekuzivisa. Imba isina kukwana haina kuvharwa. Chimwe chemufomu wakarongeka ndechokuti kukosha kwechinhu chimwe nechimwe chakachengeterwa inshumo kunosarudzwa panguva. Vadzimai vebhizimisi vanoziva kufanirwa kuti vachawana zvakadini kubva kune inshuwarisi yavo kana chimwe chinhu chakachengetedzwa chinotsigira kurasikirwa zvachose.
Mabhizimusi anotenga mifananidzo mitsva nguva dzose angangotarisa kutenga mabhizimisi akanaka kwazvo pasi pebhandi. Izvozvo zvinoputira chero ipi inosangana nechinangwa che "unyanzvi hwakanaka" mumutemo. Zvinhu zvakachengetedzwa hazvifaniri kuverengwa pane imwe neimwe.
Nzira dzakawanda dzakanaka dzezvenyanzvi dzinofukidza pfuma yaunayo pamwe chete nenzvimbo iri muchitoro chako asi ine mumwe munhu. Semuenzaniso, bhizimisi rako rinoratidzira mifananidzo yakagadzirwa nemuongorori. Kana iyo mifananidzo yakarongeka pamutemo wako, inofanirwa kunge yakavharwa pfuma.
Nzira dzakawanda dzinopa kugoverwa kwepfuma iyo iri kutsika kana pane imwe nzvimbo yausina. Imba inenge ichiratidzwa pane chiratidziro inogona kunge isina kubviswa zvakananga. Verenga sarudzo yako nekuchenjerera usati waenda mifananidzo kubva pane-site.
Mazhinji mapurogiramu mapepa anopa huwandu hwehutano hwakanaka hunohuwana munguva yechirongwa. Muganhu unowanzoperera, uye kugoverwa ndekanguva pfupi (kazhinji mazuva makumi matatu). Kana iwe uchitenga mifananidzo itsva, taura newe insurer nokukurumidza kuti chinhu chacho chiwedzerwe purogiramu yako.
Kunze Kwematambudziko
Nzira dzakanakisa mafomu dzine zvishoma zvisingabvumirwi kupfuura purogiramu yemiganhu yepamutemo. Kazhinji chivigiro chakavhiringidzika chinokonzerwa nenjodzi chero ipi zvayo isina kunyatsosarudzwa. Pano pane zvimwe zvinowanzoitika:
- Hondo, njodzi yenyukireya, kurongedza hurumende (zvakadai sokutora);
- d kunyengedzwa kwakaitwa newe, kambani yekambani kana vashandi vako;
- mysterious disappearance;
- nokuzvidira kuparadzana neimba;
- kusunungurwa kwezvinosvibisa;
- kupfeka nekubvarura;
- e arthquake nemafashamo ;
- kuputika kwezvinhu zvakashata.
Kuvhiringidzika kunowanzoonekwa kwakafanana neyo inowanikwa muhutano hwehupfumi. Zvisinei, kuregererwa uku kunogona kubviswa nokuda kwepamende inowedzera. Coverage for flood and earthquake inogonawo kuwanikwa.
Yakawedzerwa Mavhosi Okubvuma
Mabhizimisi maduku anowanzowana hutano hwakanaka sechikamu se "chikamu chakawedzerwa" chinotsigirwa kune imwe nzvimbo yebhizimisi kana mutemo webhizimisi. Vatsigiri vakawanda vanopa zvibvumirano izvi sechinhu chekutengesa. Ndiyo nzira yakanakisisa yekuwana boka rezvinyorwa pamutengo wakakodzera.
Pane nyaya dzakawanda dzinofungidzirwa apo hutano hwakanaka hupi hupi hupi hupi hunoiswa pasi pe "kuwedzerwa kuparidzirwa" kubvumirwa. Chokutanga, muganhu unowanzoperera, zvakadai se $ 10 000 kana $ 25,000. Uyu muganhu unogona kunge usina kukwana kuvhara chimwe chinhu chinokosha chemienzaniso. Dambudziko rechipiri nderekukosha. Pasi pezvibvumirano zvakawanda, hutsika hwakakonzerwa hwakakonzerwa hunokoshesa zvichienderana nezvishoma pane zvinotevera:
- mari yekugadzirisa imba;
- mari yekutora nzvimbo yacho;
- iyo chaiyo chaiyo mari inokosha.
Sezvakambotaurwa kare, ruzivo rwakanaka harufaniri kuve inshuwarisi pane chaiyo chaiyo mari inokosha.
Chechitatu, hutano hwakanaka hungave huri pasi pehumwechete hunoonekwa muhutano hwepamberi. Zvimwe zvibvumirano zvinoshandura chikamu chekuregererwa mumutemo kuitira kuti vashoma chete vavo vashandise kune unyanzvi hwakaisvonaka. Vamwe havaiti kuchinja zvachose.