Ua loaʻa paha iāʻoe kahi leka hoʻomaopopo mai ke keʻena wai o ka moku e'ōlelo nei i kekahi mea like:
ʻO nāʻike nui e pili ana i kāu laina lawelawe wai. Pane i paneʻia i loko o: 30 Lā
Ma muli o kaʻike o kāu hui wai, heʻeleʻele a he keʻokeʻo ka waho o ka mailer a paʻakikī. ʻAʻohe mea pilikino maʻaneʻi.
Ua lawa kēia no ka hoʻouluʻana i nā mea hale i ka weheʻana i ka envelop a me ka heluheluʻana.
Ma ka leka i hoʻopaʻaʻia, eʻikeʻoe he hikiʻole i kāu "laina lawelawe wai ke hāʻuleʻole me ka lapaʻauʻole," ka hopena o ka loaʻa kālā i ka hopena o kēia wā pilikia o ka wā waiwai no ka hiki iā ia "ke uku iāʻoe he mau kaukani kālā ma nā hoʻolālā hananaʻole."
No ka uku o nā mahina, hiki ke uhiʻia kāu lawai wai e hoʻomauʻia e ka paipai wai pai. Ma lalo nei,ʻo ka hōʻoleʻana no kēia palapala mai ka hui i hoʻokaʻawaleʻia mai kāu pono kūloko.
He aha kēia mōhai
ʻO kona inoa pono'ī ka pale o ka lawelaweʻana i ke kai waho, akā kona inoa i kapaʻia he inikua paipu wai.
ʻO ka hāʻawiʻana, inā e hoʻopauʻole ka laina lawelawe wai waho i kou waiwai, e "uku" kēia "bilako pili" i kāu koi e hoʻoponopono i ke laina, mai ke kihi o ke kahua a i kahi laina waiwai (aiʻole maikaʻi, ināʻoe he lawelawe wai wai kūikawā).
ʻO kahi laina wai wai wale ka paipu e lawe mai i ka wai hou i loko o ka hale ; ʻaʻole ia e komo i nā paipu e lawe i nā wai kū.
ʻO kekahiʻoihana koʻikoʻi, Home Emergency Insurance Solutions ("HEIS"), hāʻawiʻo ia e uku i $ 12,000 i kēlā me kēia makahiki i nā kuleana, i nā helu kaʻawaleʻehā o $ 3,000.
Hoʻopili pono
Ma hope o ka hinaʻana o kekahi lāʻau ma luna o kou hale a iʻole ka wai wela e hoʻopau i kou kahua honua aʻoʻoe i loko o kahi hebedoma kū moku Europaʻekolu, he mau mea hopohopo e pili ana i ka home e like me ka laina laikini e wāwahi ana i kāu waiwai.
Uaʻike mākou a pau i nā hale me nā pāpā mua e hoʻokaʻawaleʻia ana; paha paha iʻike iā mākou iho. Ua hoʻokuʻuʻia ka lau no ka mea ua wāwahiʻia e ka backhoe. Ma kaʻaoʻao o ka paepaeʻehāʻehā-hohonu, he nui nāʻili o ka lole ulaula e uhi ana i nā pu lepo. Hoʻopiha ka ua i nā'āpana. ʻAʻole ia he papa hoʻolālā no ka meaʻaʻole wikiwiki ka hana o ka lepo.
ʻO nā hoa noho a pili paha e pili ana i kā lākou mau pilikia e kākau pinepine ai i nā kumukūʻai i loko o nā tausani. ʻO ka loheʻana i kēia mau uku keʻoliʻoli neiʻoe no ka maikaʻi o kāuʻoihana, a ma ka manawa hoʻokahi e wehe i ka makaʻu makaʻu i loko o kou puʻuwai e haʻi iāʻoe e hiki mai kāu hale.
E hoʻopuka anaʻo HEIS i kēlā mau'ōlelo makaʻu ma ka haʻiʻana iāʻoe, ma ka mailer, ua "kanuʻia kēia laina lawelawe wai" ma lalo o kāu waiwai.
Akā, pono anei e hoʻolimalimaʻia ka Inikua Homeowners?
ʻO kahi kūʻai kūʻaiʻokoʻa wai e kūʻai hou aku neiʻo ka mea kūʻai o kāu mea home meaʻole e uhi a pani paha i kāu laina wai waho. ʻOiaʻiʻo paha,ʻaʻole paha?
ʻOiai e like paha kāu palapala hoʻoiho, hoʻokahi'ōlelo hoʻokae inikua mau o ka homeowners mai Liberty Mutual (kahi GEICO) e'ōlelo nei ma waho o nā wai wai i weheʻoleʻia. Eia naʻe,ʻo ka hoʻolakoʻana
ʻAʻole pili kēia pili i ka'āina, me kahi'āina kahi e noho ai.
hoʻoponopono i ka hiki i ka uhiʻana i nā laina wai. ʻO ka pili o ka Liberty Mutual no ka uhiʻana i kou home - keʻano o ka nohona - a me nāʻano pili e like me nā garages a me nā manu.
No laila, ma kēlāʻano, pono loa ka HEIS.
Kamaliʻi noʻonoʻo
HEIS he polokalamu waho o HomeServe USA, ka meaʻaʻoleʻo ia he lālā hoʻolimalima. Akā, ua hoʻonohonohoʻiaʻo HomeServe USA ma lalo o ka hoʻopalekanaʻo Wesco Insurance ("Wesco"), nona wale nō ma ka mālamaʻana i kaʻahahui AMTrust Financial Services.
ʻO Wesco kahi kuleana hoʻokahi o kaʻohana hoʻokahi.ʻO nā kaikamāhine billionaireʻo George a me Michael Karfunkel a me ka hūnōna hūnōna kāne a Barry Zyskind.
ʻOiaiʻo kēia he hui kūʻokoʻa, hoʻololi hou i nā mea i loaʻa i kahi makua HomeServe USA he polokalamu pāʻoihana me nā moku o ka moku, kahi iʻaeʻia aiʻo HomeServe e mālama i ka "hanana hanana home."
Keʻikeʻoe i kahiʻaoʻao i piha i nā loiloi aupuni ma ka pūnaewele HomeServe, ua maʻalahi ke noʻonoʻo i kahi kūlana kūʻokoʻa.
He makana lua nui kēia no ka HEIS. ʻAʻole wale nā pili pili aupuni e hāʻawi aku iʻoihanaʻoi aku no lākou akā hāʻawi i kaʻoihana i ka ea nui o ka pono.
No ke aha ke kūʻaiʻoleʻana i ka maikaʻi
ʻO kekahi mau mea e pili kokoke ana i ka'āpana hina-:
- Eʻikeʻia ana e hōʻoia ana : Ua haʻiʻo Hudson, NY's Register-Star iā Daniel Kenneally, ka luna o kēlā waiʻo Water and Wastewater Plant no nā makahiki he 27, me ka'ōleloʻana he "nui loa" no nā laina lawelawe wai. Uaʻikeʻo iaʻaʻoleʻo ia i lohe i kekahi mea e pani ai i kā lākou laina wai.
- Hōʻokoʻa-Hōʻoia; ʻAʻole e hōʻehaʻia e Yardwork : Ua kanuʻia nā laina wai i 2.5 mau kapuaʻi a hohonu mau. Hoʻomoeʻia nā laina wai wai ma lalo o ka laina hau. Ināʻaʻole ka pilikino i pilikia, ua hoʻomoeʻia i kahi hohonu e hiki ai ke pale i ka hana maʻamau i hiki i kekahi ke hana ma ka pā. No laila, he nīnau kēia: He aha ka hopena e uhaʻi ai ka laina kikowaena?
- Ka Waiwai,ʻAʻohe Pahinu :ʻO kēlā mau mea makaʻu weliweli āu iʻike ai i nā wāwae o nā kānaka? 'Ohāhā:ʻo kēia keʻano maʻamau i nā paipu pipili,ʻaʻole ka pipili wai. ʻO ka nui o nā paipu pipili i hala aku i 100 mau makahiki a ua hanaʻia i ka lepo . ʻAʻole he mea kupanaha e wāwahi ai lākou i nā manawa a pau.
- ʻO ka hopena o ka hoʻopiʻiʻana : HEIS'ōlelo lākou e uhi iā $ 12,000 i nā kuleana i kēlā me kēia makahiki. Mahalo, pololei? ʻAʻole.ʻO kēia meaʻo ia ka hapa nui loa o nā mea a pau. ʻO ka heluheluʻana,ʻikeʻoe ua haʻiʻia i nā hananaʻehā , ma kahi $ 3,000 i kēlā me kēia. He aha kēlāʻano,ʻo kou pilikia pilikia o ka wai e pono e ukuʻia he $ 3,000 aʻoiʻole paha i ka hoʻoponopono; ʻo ke koena o nā meaʻona he 3 no ka mea ua pili wale nō lākou i kēlā mau hanana. ʻAʻole hiki ke hoʻohui pūʻia.
- Ponoʻoe e hoʻohana i kā lākou mau mea pono'ī : HEIS / HomeServe he pūnaewele pono'ī kona o nā mea hoʻohana, ka mea e hoʻopau ai i ka loko o ke kōkua i loaʻa. Ināʻaʻole ka pilapula me ka hui,ʻaʻole e uhiʻia kāna hana.
Hōʻuluʻulu
ʻAʻole pono kēia kumumanaʻo,ʻokoʻa ka hāʻawiʻana i ka maluhia o kou naʻau no kekahi mau kālā i ka malama.
ʻO ka loiloi'ōlelo, hikiʻole i kou kahawai ke wāwahi.
No kēlā mea,ʻo ko lākou waho waho o ka hale holoi waiho a me ka hopena o ka hoʻopukaʻana i nā mea e pili ana.