UMSHWALENSE WESAKHIWO

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Tree damage after a major monsoon in Phoenix, AZ

Ikhaya libalulekile kuwo wonke umuntu futhi liyadinga ukuvikelwa njengayo yonke into esiyithandayo. Njengoba umuntu ekwazi ukufihla ikhanda kumuzi ukuze avikeleke ezimweni zangaphandle, kubalulekile nokuthi umuzi uvikeleke. Ingakho ugqugquzelwa ukuthi uthathe umshwalense owaziwa ngokuthi “Home Owners Cover”. Lomshwalense uvikela umuzi kanye nakho konke okunye okuyisakhiwo egcekeni.

Lokhu kuvikeleka kuke kuhluke ngokwabadayisi bomshwalense, kodwa inhloso ukuqiniseka ukuthi uma kukhona isehlakalo esenzeka kwikhaya lakho, bazokulungisela isakhiwo sakho. Ukubaluleka kwalomshwalense kuyagcizelelwa ngoba isigameko sokulimalelwa isakhiwo zomuzi wakho singenzeka noma nini ungalindele. Kanti futhi nemali yokulungisa ayibikhona njalo, njengoba kungesiwo wonke umuntu odla izambane likapondo.

Ngenkathi ubheka umshwalense kumele uqiniseke ukuthi umshwalense owuthengayo iwona owudingayo. Lokhu, ukwenza ngokucwaninga nokubuza imibuzo efanele phambi kokuba uthenge. Kumele uzibuze imibuzo efana nokuthi (1) ikuphi engifisa ukukuvikela? (2) kweziphi izigameko? (3) nginephakethe elingakanani? (4) imali yokugcwalisela ngiyikhokha makwenzenjani? (5) nokuthi ikuphi okumele ngibe nakho ukuze ngithole umshwalense ongifanele? Lemi buzo izokusiza ekutholeni umdayisi womshwalense ofanele ngoba baningi kanti futhi lowo nalowo uvikela ngendlela ehlukile. 

Lomshwalense usebenza ngoku kulungisela isakhiwo ekulimaleni. Ngabe ukulimala okudalwe imvelo njengokuzamazama komhlaba, iziphepho, ukuwelwa isihlahla noma izimvula ezinamandla. Qinisekisa ukuthi noma ikuphi okwenzekayo, kukhona kwisivumelwano sakho somshwalense. Qaphela ukuthi  ukulimala akudalwanga ukunganakekelwa kwesakhiwo noma ukuguga, ngoba umshwalense angeke ukusize.

Isivumelwano somshwalense siyacacisa ngokuthi iziphi izigameko nokulimala ovikelekile kuzo. Ngalokho kumele ufundisise ngokucophelela phambi kokuba uwuthathe umshwalense. Noma ngabe ukusiphi isimo ufanelwe ukuthola umshwalense oseqophelweni.

Okuqoshwe lapha akusiso isiyalo sezimali kodwa kuhlose ukunika ulwazi oluphecelezi mayelana ne”Home Owners Cover”. 

Wamukelekile ukuthi uxhumale nababhalwe ngaphansi mayelana nezikhalo zakho zomshwalense:

FAIS OMBUDSMAN DETAILS
POSTAL ADDRESS: PO Box 74571, Lynnwood Ridge, 0040
TELEPHONE: 012 470 9080 or 0860 324 766
FAX: 012 348 3447

OMBUDSMAN FOR SHORT TERM ASSURANCE DETAILS
POSTAL ADDRESS: PO Box 32334, Braamfontein, 2017
TELEPHONE: 0860 726 890
FAX: 011 726 5501

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