ʻO ka palekana ʻokoʻa ma mua o ka ʻikepili
I kekahi mau manawa i hala aku nei, ua nalowale mākou i kahi kikowaena holoʻokoʻa i ʻelua mau lā ma hope o ka hoʻokuʻu ʻia ʻana, ma hope o ka uku ʻana i kahi mākaʻikaʻi pilikino Pelekane, ua pau mākou i ka hoʻoholo ʻana e uku i ka ʻinikua waiwai no nā lako loiloi a pau i ʻoi aku ma mua o $ 1,000. He hoa aloha kekahi kaʻu i nalowale i nā mea o ka lako GPS Magellan āna e puʻunaue nei i ka manawa a ka Hurricane Mitch i kū ai ma waena o ʻAmelika, ua nalowale maoli ʻo ia i nā koina a me kāna kumu.
Hiki ke kani aku i kekahi, akā, no ka'ōlelo pili i keʻinikua waiwaiʻaʻole he hopena ma waho o ke keleponaʻenehana, no ka mea,ʻoi aku ka waiwai o nā mea hana a me nā mea waiwai e like me ke ola o ka hui.
Akā, no ke aha i koʻu manaʻo he pono ke kūʻaiʻana i kahi palekana o ka hui?
1. ʻO ke ola o ka honua honua ka ʻikepili
ʻO nā koina i loaʻaʻole ka hoʻohālikelike, e like me kahi kikowaena e pono ana iā $ 4,000, me nā polokalamu i hoʻokomoʻia e hiki ke hōʻea i $ 15,000 akā me kaʻikepili iʻoi aku ma mua o $ 300,000.
E manaoio i ka mea pale mū holapū, papaʻa mana, pa ka hōʻike 'ana a me ka papaʻa'ōnaehana i lawa i ia i kaupalena kuanaʻike i ka manawa kūpono o ka powa i hiki pinepine ia mai loko aʻaʻole ma kaʻaihue me ka ea paha, a Awaits me ka eleele ka hahau .
2. ʻO ka palekana he mea ola pono
ʻO ke kūlana i hiki ʻole ke kū iaʻu ua pau i ka wā e hiki ai i kahi hoa pili a ʻohana paha. Inā he maʻi, ulia, ʻaihue a hanana kūlohelohe paha, ke kanikau ma hope he hana kūpono ʻole ia. Akā manaʻo pū kekahi i nā limahana e pili ana i nā kumukūʻai e mālama ai iā lākou i ke olakino maikaʻi a pale ʻia i nā manawa āpau, ʻaʻohe mea nui inā loaʻa iā mākou kahi pāʻālua palekana i hōʻoia ʻia.
3. I kēia mau lā,ʻokoʻa ka hāʻawiʻana i nā lawelawe palekana
Inā mākou e nānā i ka hihia o kahi ʻoihana i hoʻolaʻa ʻia no ka hāʻawi ʻana i nā lawelawe palekana, ʻike mākou ʻaʻole pono e uku i ka inikua paʻakikī kahi e kūʻai aku ai ka ʻuhane i ka mea ʻike ʻole ʻia. Hoʻohui ʻia i kēia, ka hapa nui o nā ʻoihana ʻinikua nui i ka uhi kūloko ma o nā lunamakaʻāinana a i ʻole nā insinurer.
He laʻana ʻo EZ Insurance, ma waho o ka hana ʻana ma ka pūnaewele, e hoʻohui ana i ka wahi leka a me ke ʻano o ka inikua, hiki ke kiʻi pololei ʻia kahi ʻōlelo pilikino pilikino a i ʻole ma o nā reinsurer kūloko. ʻO kēia kahi puka e ʻae iā ʻoe e ʻike i nā koho ʻē aʻe i kahi pono ʻinikua ākea a kikoʻī paha.
ʻO ka'atila i hāʻawiʻia iā lākou e hiki ke:
Nā Waihona Kālā. No laila, hiki ke hoʻopaʻa i kekahi hale, hale keʻena, hale, aiʻole kekahi mea pono; e kū'ē i kaʻaihue, hanaʻino aʻeha paha i nā mea'ē aʻe.
'Oihue hao. Kēia lapaʻau ua loa olelo hoʻohana ', no ka mea, ma neia hope aku i he ulia pakalaki i kekahi kala mai costing ka hailona oi ma mua o mākou uku no ke kaʻa ... a me ka mea IeAUPIIe, IAa IO unavoidable i ka pakela o ka maalea O Keaukaha.
ʻO ke ola ola. ʻO kēia inā ʻaʻole hāʻawi i ka ʻinikua mokuʻāina a i ʻole ke koleke, a ʻaʻole makemake e ola i nā lā hope loa i ka home kahu.
Ke inikua lapaʻau. Hoʻohana pinepineʻia kēia no ka olakino, a hoʻoulu pinepine i nā hoʻolimalima hale, nā lāʻau lapaʻau a me nā pilikia.
I ka hōʻuluʻuluʻana, nā lawelawe lawelawe e like me ka EZ Insurance,
- ke koho e huli ai i kahi manaʻo ma ka zip zip
- nā hana hoʻokeleʻinikua,ʻaʻohe pono e neʻe aku mai ke keʻena ae mālama i nā kaʻina hana, mai ke kāʻei i ka hoʻoponoponoʻana i ke kaona ... nā mea āpau pūnaewele.
Ināʻaʻoleʻoe e noʻonoʻo pono pono ka inikua, hiki iaʻu ke haʻi aku iāʻoe i kekahi mahele o ka moʻolelo,ʻo ka mea nāna iʻike
