Nā Kuleana Hoʻolimalima Ma hope o ke ahi a i ʻole ke Kaʻina hale: Hoʻemi hoʻolimalima a hoʻokuʻu hoʻolimalima¶

Ke hū ke ahi, ka sprinkler o luna, ka ʻino o ka hale o ka makani, a i ʻole ka wai kahe e hana ʻole ai kou hale hoʻolimalima, e ukali koke ʻia ka pilikia kino e ka pilikia kālā a me ke kānāwai. ʻOiai ʻoiai e hoʻomaʻemaʻe ana ka uahi a i ʻole e hiolo ana ka pā maloʻo o ke kaupaku ma luna o kāu mau lako, hoʻomākaukau nā puka uku uku hoʻolimalima e kākau i ka hoʻolimalima o ka mahina aʻe ma ka lā 1 o ka mahina, a koi hewa kekahi mau konohiki e hoʻomau i ka uku hoʻolimalima piha i ka wā e noho ana i ka hōkele a i ʻole e hoʻāʻo e mālama i ka waihona palekana o ka mea hoʻolimalima e uku no ka hoʻoponopono hale. ʻO ka mea ʻoi aku ka maikaʻi loa, hoʻopaʻa nā konohiki i kekahi manawa i nā mea hoʻolimalima i hoʻoneʻe ʻia mai nā hale i hoʻopau ʻia a hoʻolei aku i nā hoʻoilina ʻohana hiki ke hoʻopakele ʻia, nā kamepiula, a me nā palapala kānāwai i ka wā e wāwahi wikiwiki ʻia me ka hāʻawi ʻole ʻana i ka mea hoʻolimalima e kiʻi iā lākou.

Ma lalo o nā kānāwai konohiki hoʻolimalima ma waena o ʻAmelika Hui Pū ʻIa, Kanada, ʻAmelika Hui Pū ʻIa, a me Australia (i hoʻopaʻa ʻia e ka Uniform Residential Landlord and Tenant Act (URLTA) Pauku 4.106 a me nā kānāwai Casualty Clause kūloko a me ka mokuʻāina), he mea hoʻolimalima hale noho i hoʻoneʻe ʻia e kekahi mea i hoʻopiʻi ʻia e ke kānāwai ʻaʻole lākou i hoʻokumu i ke kānāwai. Loaʻa iā ʻoe ke kuleana e 100 pakeneka hoʻemi hoʻolimalima no kēlā me kēia lā ʻaʻole hiki ke hoʻopaʻa ʻia ka ʻāpana, ke kuleana e ** hoʻopau koke i ka hoʻolimalima ma ka leka hoʻomaopopo ** a loaʻa ka uku piha o nā uku hoʻolimalima a pau a me kāu waihona palekana kīnā ʻole, a me ke kuleana e hoʻōla ** Coverage D (Loss of Use / Additional Living Expenses)** ma lalo o kāu kulekele ʻinikua hoʻolimalima.

E hana i kēia i kēia manawa¶

1. E hōʻoia mua i ka palekana kino a me ka hoʻopaʻa ʻana i ka hale ulia pōpilikia. Inā ʻaʻā kou hale, pilau ke kinoea, a i ʻole nā ​​​​pilikia hiolo, e haʻalele koke a kelepona i kāu helu pilikia kūloko (911 ma ʻAmelika Hui Pū ʻIa a me Kanada, 112 ma waena o ka Hui ʻEulopa, 999 ma United Kingdom; ʻike Nā helu ulia pōpilikia honua). E noi i ka Incident Commander ma ke kahua e noi ai i American Red Cross Disaster Action Team (DAT) a i ʻole municipal Emergency Management responder ma mua o kou haʻalele ʻana i ke alanui no laila e loaʻa iā ʻoe kahi helu hōʻike hanana hanana, ka palapala hōkeo hōkele koke, a me ke kāleka kōkua kālā. No nā kaʻina hoʻomalu piha, e heluhelu ʻO nā palapala hōʻaiʻē hōkele no ka pilikia, nā kōkua o ke Keʻa ʻulaʻula, a me ka hale ma hope o ke ahi.
2. Hoʻopau i ka uku ʻauto hoʻolimalima (ACH / Direct Debit) i loko o kāu puka hoʻolimalima a me ka app panakō i kēia pō. ʻOiai i ka wā i puhi ʻia ai kou hale keʻena a i ʻole i hoʻāhewa ʻia me kahi Tag Ula o ke kūlanakauhale, nā lako polokalamu hoʻokele waiwai (e like me AppFolio, Buildium, Yardi, a i ʻole RealPage) e huki ʻokoʻa i kāu wahi hoʻolimalima piha piha o ka waihona kālā ACH ʻole i hoʻopaʻa ʻia ma ka waihona hoʻolimalima ʻole ʻo ACH. Hoʻopau i ke kauoha uku me kāu panakō.
3. E paʻi i ka palapala hōʻailona ʻulaʻula a i ʻole ka inoa Melemele ma ka puka o ka hale a noi aku i ka Fire Marshal a i ʻole Code Enforcement Incident Number. ʻO kahi palapala hoʻopaʻi aupuni ("UNSAFE TO OCCUPY" a i ʻole "DO NOT ENTER") ʻo ia ka hōʻoia kūʻokoʻa, ʻaʻole hiki ke hoʻopaʻapaʻa ʻia i loko o kekahi ʻaha hoʻi ua hoʻokuʻu ʻia ka palapala hōʻoia o ka noho ʻana i kēlā me kēia lā ** ka la o ka poino.
4. Wehe i kahi koi ʻinikua hoʻolimalima i loko o 24 mau hola a noi koke i "Coverage D: Loss of Use / Additional Living Expenses (ALE)" cash advance. E kāhea aku i kāu mea lawe inikua hoʻolimalima (hoʻoponopono HO-4) mai ke kahua. E haʻi i ka mea hoʻoponopono ua hoʻoneʻe ʻia ʻoe a noi iā lākou e kākau pololei i kāu hōkele ma o kā lākou mea kūʻai hale kūʻai pilikia (e like me ALE Solutions a i ʻole CRS Temporary Housing) a i ʻole e uea koke i $1,500 a i $3,000 ALE kālā mua i kāu kāleka hōʻaiʻē no nā lumi hōkele, nā meaʻai hale ʻai, ka hoʻokipa ʻana i nā holoholona, ​​a me nā lole pilikia.
5. E lawelawe i ka palapala "Notice of Casualty Displacement, Rent Abatement, or Lease Termination" ma kou konohiki i loko o ka puka makani kānāwai (pinepine 5 a 14 lā). Mai hilinaʻi ma nā kamaʻilio waha waha me ka luna waiwai. E hoʻouna i kahi leka hoʻomaopopo i kākau ʻia ma o ka leka uila a me ka leka i hōʻoia ʻia e hōʻike ana e hoʻopau ana ʻoe i ka hoʻolimalima a hiki i ka lā o ke ahi/kaʻi (a e koi ana i kāu waihona palekana piha a me ka uku hoʻolimalima hoʻihoʻi), a i ʻole e mālama ana ʻoe i ka hoʻolimalima ʻoiai e hōʻoiaʻiʻo ana ʻoe i ka 100% o ka hoʻolimalima hoʻolimalima a hiki i ka wā i hala ka ʻāpana i ka nānā hou ʻana.
6. **E lawelawe i kahi palapala "Notice of Non-Abandonment of Personal Property" no laila, ʻaʻole e hoʻolei ka poʻe hana hoʻoheheʻe o ke konohiki i kāu mau waiwai i loko o kahi ʻōpala. E hoʻouna koke i kahi ʻōlelo aʻo e pāpā ana i ke konohiki mai ka hoʻolei ʻana i kāu mau waiwai ponoʻī a e koi i ka puka makani 48-hola e mālama ʻia e kiʻi i nā mea hiki ke hoʻopakele ʻia a kiʻi i nā mea i hoʻopau ʻia no kāu koi ʻinikua.

flowchart TD
    A["Ua poino ka hale i ke ahi, ka waikahe, poha paipu, a me ka ino"] --> B["Hoʻopau koke iā Rent Autopay pūnaewele a kiʻi i kekahi inoa inoa ʻulaʻula / melemele"]
    B --> C["Ke koi nei no ka Open Renters Insurance (HO-4) no Coverage D (Loss of Use Hotel/Pai) a me Coverage C (Contents)"]
    C --> D{"Hiki i ka konohiki ke hoʻihoʻi i ke keʻena i ka noho kānāwai piha i loko o 14 a 30 mau lā?"}
    D -->|"ʻAʻole: Poino nui, Red Tag, a i ʻole ka hana hou ʻana o ka ʻōpū"| E["E hoʻoholo inā makemake ʻoe e neʻe mau a kali paha no ka hoʻoponopono ʻana"]
    D -->|"ʻAe: Ka pōʻino liʻiliʻi a i ʻole ka pōʻino kūloko"| F{"Ua palekana anei ka ʻāpana e moe ai i ka wā e hoʻoponopono ai?"}
    E -->|"E neʻe mau"| G["E lawelawe i ka leka hoʻomaopopo no ka hoʻopau ʻia ʻana o ka hoʻolimalima ʻana (i loko o 14 mau lā ma lalo o URLTA Sec. 4.106)"]
    G --> H["E koi i ka 100% hoihoi o ka Waihona Palekana + pro-rata hoihoi o ka uku hoolimalima mua mai ka la o ke ahi/ke kaiakahinalii"]
    E -->|"E mālama i ka hoʻolimalima a kali no ke kūkulu hou ʻana"| I["E lawelawe i ka leka hoʻolaha no ka wā hoʻomaha a me 100% hoʻomaha hoʻolimalima ma ke kānāwai a hiki i ka palapala hōʻoia o ka noho ʻana."]
    F -->|"ʻAʻole: Noho ʻole no ka manawa"| I
    F -->|"ʻAe: 1 lumi wale nō hiki ʻole ke hoʻohana"| J["E lawelawe i ka hoʻolaha no ka hoʻemi ʻana i ka hoʻolimalima hapa e like me ka nalowale ʻana o nā kiʻi square / emi ʻana o ka waiwai"]

Ka hoʻomaopopo ʻana i kāu mau koho kumu ʻelua: Hoʻopau Lease vs¶

Ke hahau mai ke ahi, ka waikahe, a i ʻole ka ulia pōpilikia i ka hale hoʻolimalima, ʻelua mau lula hoʻokūkū e hui pū ʻia: ʻo kāu Lease Casualty Clause (i kanu pinepine ʻia ma ka paukū 18 a hiki i ka 25 o kāu hoʻolimalima) a me kou mokuʻāina a i ʻole ʻāina ʻo Statutory Casualty & Habitability Law.

Rula Kūkākūkā Koʻikoʻi: Ma nā wahi a pau i ʻoi aku ke kaʻe o ka pauku hoʻolimalima o ke konohiki ma mua o ke kānāwai mokuʻāina (no ka laʻana, he pauku hoʻolimalima predatory e ʻōlelo ana "Inā he ahi a he waikahe paha, pono e hoʻomau ka mea hoʻolimalima i ka uku hoʻolimalima i ka wā e hoʻoponopono ai ke konohiki" a i ʻole "Na ke konohiki wale nō ke koho e hoʻopau i ka hoʻolimalima ʻana ma hope o ka pau ʻana o ke ahi"), pauku**. No nā kūlana noho ākea ke hāʻule nā ​​pono me ka ʻole o ka pōʻino koke, ʻike Hale noho ʻole: kuleana hana ulia pōpilikia.

Koho A: Hoʻopau koke ʻia ʻo Statutory Lease (Hele maʻemaʻe)¶

Inā pilikia nui kou keʻena i ke ahi, ka waikahe, ka uahi, ka wai, a i ʻole ka pōʻino o ke kūkulu ʻana (a ʻaʻole i hoʻokumu ʻia ka mea i make ma muli o ka hana noʻonoʻo ʻole a i ʻole ʻoe, kou ʻohana, a i ʻole kāu mau malihini), Uniform Residential Landlord and Tenant Act (URLTA) Pauku 4.106(a)(1) (i hoʻohana ʻia ma ka ʻāpana piha a i ʻole ka mokuʻāina ʻo Kanada ma ka ʻāpana 3 a ʻoi aku ma mua o 3 o ka mokuʻāina ʻo Kanada. Hāʻawi ʻo Provincial Residential Tenancies Acts a me Australian state tenancy tribunals) ** i ka mea hoʻolimalima i ke kuleana unilateral e haʻalele koke i ka hale a haʻi i ka konohiki ma ke kākau ʻana i loko o 14 mau lā o ka haʻalele ʻana i ka manaʻo e hoʻopau i ka ʻaelike hoʻolimalima**.

Ke noi aku ʻoe i ka hoʻopau ʻana i nā pōʻino ma ke kānāwai: 1. La Hoopau Retroactive: Ma ke kānāwai, e hoʻopau hou ʻia kāu hoʻolimalima e like me ka lā pololei āu i haʻalele ai no ke ahi a i ʻole ka waikahe, ʻAʻole ma ka hopena o ka mahina a ʻaʻole 30 a i ʻole 60 mau lā ma hope. 2. Hoʻihoʻi koke ʻia o ka hoʻolimalima mua: Inā ua loaʻa ke ahi i ka lā 5 o ka mahina a ua uku mua ʻoe i ka hoʻolimalima piha ma ka lā 1, pono ke konohiki ** i ke kānāwai e hoʻihoʻi i nā lā he 25 a i ʻole 26 o ka uku hoʻolimalima i uku mua ʻole ʻia** no kēlā mahina. 3. 100% Hoʻihoʻi i kāu waihona palekana: No ka mea ʻo ka hoʻopau ʻia ʻana o ka pōʻino he hoʻopau kānāwai hewa ʻole, ʻaʻole hiki i ke konohiki ** ke uku i ka "uku hoʻolimalima mua"** a ** ʻaʻole hiki ke unuhi i hoʻokahi kālā mai kāu waihona palekana** no ke ahi, ka uahi, ka wai, a i ʻole ke ahi i hōʻino ʻia i ke keʻena (e like me nā puka i wāwahi ʻia e nā mea kuni ahi a i ʻole nā ​​​​kāpena pulu). E nana ʻO ka mālama ʻana i ka waihona palekana a me nā kuleana hoʻopaʻapaʻa inā ho'āʻo lākou e mālama i kāu waihona.

Koho B: E mālama i ka hoʻolimalima me ka 100% hoʻomaha hoʻolimalima (kali a hoʻoneʻe paha i kahi manawa)¶

He aha inā inā noho ʻoe i kahi ** hale hoʻolimalima hoʻopaʻa ʻia a hoʻokele hoʻolimalima paha** (e like me New York City, San Francisco, Los Angeles, Washington D.C., Ontario, a i ʻole British Columbia), a i ʻole kou hoʻolimalima ma lalo o nā kumukūʻai mākeke o kēia manawa, a ** ʻAʻole ʻoe makemake e nalowale i kāu hoʻolimalima**? * **E makaala i ka pahele "Disaster Eviction" a ka konohiki. * Kou Pono e mālama i ka Hoʻolimalima: Inā ʻaʻole i wāwahi ʻia ka hale holoʻokoʻa a puhi ʻia paha i ka lepo ("holo pau ʻole o ka hale"), loaʻa i nā mea hoʻolimalima i ka hoʻolimalima-stabilized a me nā mana kānāwai he nui ke kuleana e ** hōʻole i ka hoʻopau ʻana i ka hoʻolimalima **, māla i ko lākou hoʻolimalima kū kānāwai, e uku **$0 hoʻolimalima (a i ʻole $1.00/mahina hale hoʻolilima ma NYC stabilized statutory. hale noho) ʻoiai ʻaʻole hiki ke noho ʻia ka ʻana, a hoʻi pololei i loko o ke keʻena i hoʻihoʻi ʻia ma ka hoʻolimalima hoʻoponopono like ʻole ke pau ka hoʻoponopono ʻana. * ʻOiai i loko o nā keʻena hoʻolimalima ʻole, inā he 2 a 6 mau pule wale nō ka hoʻoponopono ʻana a makemake ʻoe e hoʻi ma hope o ka uku ʻana o ka ʻinikua hoʻolimalima no kāu hōkele, hiki iā ʻoe ke hāʻawi i kahi ** Hoʻolaha no ka 100% Hoʻomaha Hoʻolimalima i ka wā o ka hoʻoponopono ʻana **, e hoʻomaha loa i kāu hoʻolimalima no kēlā me kēia lā e hoʻoneʻe ʻia ʻoe a hala ka ʻāpana i ka nānā ʻana a hoʻihoʻi ʻia nā kī.

Matrix kānāwai o ke ao holoʻokoʻa: nā kuleana hoʻolimalima ma hope o ke ahi a ma hope o ka wai¶

Pono anei ke konohiki e uku no ko'u lumi hokele ma hope o ke ahi a me ke kaiakahinalii?¶

ʻO kēia wale nō ka nīnau i hoʻomaopopo hewa ʻole ʻia ma ke kānāwai hoʻolimalima hale, a ʻo ka hewa ʻana e hiki ke waiho iā ʻoe me kahi bila kāleka hōʻaiʻē hōkele he $4,000.

ʻO ke kānāwai maʻamau: Hoʻoholo ka hewa i ka mea e uku no ka hōkele¶

Ma ka hapa nui o nā ʻāina (ma waho o nā kūlanakauhale i hoʻolimalima ʻia ma Kaleponi a me Quebec), ** ua hoʻokō ʻia ke kuleana kānāwai o ke konohiki e hoʻolako i nā hale noho ma ka hōʻemi ʻana i kāu hoʻolimalima i \(0 i kēlā me kēia lā ʻoiai ʻaʻole hiki ke noho ʻia ke keʻena**. * **Hanaʻike 1: ʻAʻohe Hewa / Pohō ʻAʻole (Hōʻi uwila, ke ahi kīhini ʻāpana kokoke, ka piʻi ʻana o ka makani ʻino, a i ʻole ka hū ʻana o ka paipu huna me ka ʻōlelo ʻole mua):** * He aie ʻoe i ke konohiki **\)0 ma ka hoʻolimalima** no kēlā me kēia lā ʻoe i waho o ke keʻena (a ʻo ka ʻinikua hale kūʻai hale kūʻai ponoʻī o ke konohiki e uku i ke konohiki no kā lākou mau kālā hoʻolimalima i nalowale). * Eia nō naʻe, ** ʻAʻole koi ʻia ka konohiki e uku no kāu lumi hōkele, meaʻai hale ʻai, a i ʻole nā ​​​​mea hana ʻino. ʻO kā lākou ʻinikua hale e uhi wale i ke ʻano kino o ka hale, ʻaʻole nā ​​​​mea ponoʻī a ka mea hoʻolimalima a noho i ka hōkele. * Akā, uku ʻia kāu hōkele, nā meaʻai, ka holoi lole, a me kāu mau mea i hoʻopōʻino ʻia e kāu kulekele Inikua Hoʻolimalima (HO-4), a i ʻole nā ​​hāʻawi pōʻino o Red Cross / FEMA inā ʻaʻohe ʻinikua hoʻolimalima. * Scenario 2: Hoʻopōʻino ʻia ke konohiki (Ua leka uila ʻoe i ke konohiki i ʻekolu manawa i ka mahina i hala e pili ana i ke kahe ʻana o ka paipu kaupaku, ke ʻā ʻana o ka uila, a i ʻole ka mea hoʻomehana wela, ʻaʻole i mālama ke konohiki, a ʻo ia ke kumu o ke kahe a ke ahi paha): * I kēia manawa, ʻo ka konohiki ** kuleana i ka hewa (negligence) a me ka uhaki ʻana i ke kuleana kānāwai e hoʻoponopono. * Ma waho aʻe o ka 100% hoʻemi hoʻolimalima, hiki iā ʻoe ke hoʻopiʻi i ke konohiki (a i ʻole ke koi kūʻē i ke kulekele ʻinikua Commercial General Liability o ka konohiki) no ** o kāu mau poho a pau i waho o ka ʻeke*: kāu mau bila hōkele, nā lako i hoʻopau ʻia, nā mea uila, nā meaʻai i hoʻopau ʻia, a me nā lilo hoʻoneʻe. * ʻOi aku ka maikaʻi: inā loaʻa iā ʻoe ka ʻinikua hoʻolimalima, e uku koke kāu ʻinikua hoʻolimalima i kāu hōkele a me nā lako lako hale, a hāʻawi i kāu mea hoʻoponopono i nā kope o kāu mau leka uila mālama mua i hiki i ke keʻena kānāwai o kāu hui ʻinikua ke ʻimi i subrogation e kūʻē i ka mea hoʻopiʻi o ke konohiki (ʻo ia hoʻi e hoʻihoʻi ʻia kāu ʻinikua deductible iā ʻoe).

Hoʻonui i kāu koi Hoʻolimalima (HO-4): Coverage D (Loss of Use) a me Coverage C (Contents)¶

Inā loaʻa iā ʻoe kahi kulekele ʻinikua hoʻolimalima (ʻoiai he kulekele maʻamau $ 12 / mahina), paʻa ʻoe i ʻelua mau pale kālā ikaika e hoʻāla ai i ka lā o ke ahi, ka hanana uahi, a i ʻole ka wai i uhi ʻia:

1. Uku D: Pohō o ka hoʻohana / Nā Koina Ola Hou (ALE)¶

Uku ʻo Coverage D no ka mālama ʻana i kou kūlana maʻamau o ka noho ʻana ʻoiai ʻaʻole hiki ke noho ʻia kāu keʻena ma muli o kahi pōʻino i uhi ʻia (e like me ke ahi, ka uahi, ka makani makani, ka ʻino, a i ʻole ka hū ʻana o ka paipu o loko/sprinkler). * Hkele a i ʻole ka hoʻolimalima ʻia no ka wā pōkole: E uhi ana i ka 100 pakeneka o nā bila hōkele kūpono a i ʻole kahi hale Airbnb / hui i hoʻolako ʻia me ka nui a me ka wahi. * Pehea e hana ai ka hoʻolimalima hoʻolimalima: No ka mea e loaʻa ana iā ʻoe 100% hoʻemi hoʻolimalima ma kāu keʻena pohō (ʻo ia hoʻi, ʻaʻole ʻoe e uku hou ana i kāu uku hoʻolimalima maʻamau $2,000/mahina i kou konohiki), e hoʻomaopopo i ke ʻano o ka helu ʻana o nā mea hoʻoponopono i ka ALE: ʻo kekahi mau kulekele e uku i ka koki hōkele holoʻokoʻa, a ʻo nā mea ʻē aʻe e uku i ka piʻi ʻana ma luna o kou hale hale maʻamau. ʻo ia ke kumu ʻaʻole pono ʻoe e uku hoʻolimalima ma kahi keʻena make i mea e hōʻoluʻolu ai i ka mea hoʻoponopono i kāu leka hoʻolimalima hoʻolimalima i lōʻihi aku kou palena Coverage D). * Ua hoʻonui ʻia ke kumukūʻai o ka ʻai / hale ʻaina: Inā ʻoe e noho ana i loko o kahi lumi hōkele me ka ʻole o ka lumi kuke piha, uku hou ʻo Coverage D i 50 pākēneka a 100 pākēneka o ka ʻokoʻa ma waena o nā mea āu e hoʻolilo maʻamau ai i nā mea kūʻai aku a me nā mea āu e hoʻolilo ai i kēia manawa ma ka hale ʻaina a i ʻole nā ​​​​meaʻai lawe ʻai. E mālama i kēlā me kēia pepa kikoʻī a me ka loaʻa meaʻai kikohoʻe. * ** Uku Hoʻopaʻa Piʻi, Uku Laundromat, Kaʻa, a me ka Mileage Kaʻahele ʻē aʻe: Uku nō hoʻi ʻo Coverage D no ke kau ʻana i ka hale hānai inā ʻaʻole ʻae kāu hōkele i nā holoholona, ʻoihana holoi holoi a me ka holoi holoi ʻana inā nalowale ʻoe i kāu mea holoi/mea maloʻo i loko, uku kaʻa hōkele, a me nā kaʻa kaʻa keu aku inā ʻoi aku ka mamao o kāu hōkele no kāu kula a i kāu mau keiki.

2. Ka uhi C: Waiwai Pilikino (Waiwai Kū'ai Ho'ololi vs. Waiwai Kālā maoli)¶

Ke hana ʻoe i kāu papa inoa o nā mea i puhi ʻia i ka uahi, ʻā, a i ʻole nā ​​mea i hoʻopau ʻia i ka wai, mai kuhi hewa i ka helu ʻana i nā huaʻōlelo maʻamau e like me "1 toaster, 1 TV, 1 moe, 10 pālule." Inā kākau ʻoe "1 toaster", e kūʻai aku ana ka polokalamu hoʻohālikelike o ka hui ʻinikua i ka mea hoʻoheheʻe plastik ʻoi loa he $11 i kūʻai ʻia ma kahi hale kūʻai hoʻemi. * E hoʻokaʻawale loa me ka Brand, Model, Size, a me Material: Kākau "Breville Die-Cast 4-Slice Smart Toaster Model BOV845BSS", "Sony 65-inch BRAVIA XR A80L OLED 4K TV", "100% Egyptian Cotton 600-Thread-Count Queen Sheet Set". * Mai hoolei aku i na mea i poino ma mua o ke pa'i ki'i 'ana i ka inoa inoa/helu helu a me ka palapala 'ae mai ka mea ho'oponopono. 'Oiai ua pulu ka moena i ka lepo a i 'ole ka hū, e ki'i i ka mea piha a me kona kaha mea hana humuhumu ma mua o ka huki 'ana mai o ka po'e ho'oponopono. * E hoʻomaopopo ana i ka RCV Holdback Recoverable Depreciation: ʻOiai inā he Replacement Cost Value (RCV) ka uhi o kāu kulekele, ʻo ka helu mua o ka hui ʻinikua e uku wale i Actual Cash Value (ACV) (ke kumu kūʻai hoʻemi i hoʻohana ʻia, pinepine 40% a 60% o ka hale kūʻai). Ke kūʻai maoli ʻoe i nā mea pani a hoʻouka i nā loaʻa hou, hoʻokuʻu ka hui ʻinikua i ke koena 40% a 60% Recoverable Depreciation check.

Ka pale ʻana i kāu mau mea i loko o kahi keʻena i hōʻino ʻia mai ka konohiki "puʻi ʻōpala"¶

ʻO kekahi o nā pōʻino koʻikoʻi loa ma hope o ke ahi a i ʻole ke kahe ʻana o ka hale he 48 mau hola ma hope: hoʻi ka mea hoʻolimalima me nā pahu e hoʻopakele i nā kiʻi ʻohana, passport, nā mea nani, a me nā lako lumi moe ʻaʻole i hoʻopōʻino ʻia. uahi/wai."*

ʻO kou kuleana kānāwai e pili ana i ka waiwai pilikino a me ke komo ʻana i mālama ʻia¶

1. ** ʻAʻole i loaʻa i ka konohiki kāu mau waiwai ma hope o ke ahi:** ʻOiai ua hōʻailona ʻia kahi ʻāpana e ke kūlanakauhale a i ʻino ʻia e ka wai, ʻaʻohe ona mana kānāwai e kāʻili a hoʻolei i kāu waiwai ponoʻī** me ka hahai ʻole i nā kaʻina hoʻolaha o ka mokuʻāina i haʻalele ʻia (ʻo ia ka mea maʻamau he 15 a 30 mau lā i kākau ʻia a mālama palekana).
2. Pehea e hoʻokomo ai i kahi hale hōʻailona ʻulaʻula a ʻulaʻula paha ma ke kānāwai no ke kiʻi ʻana:
3. Hui Melemele (Kaohi ʻia): ʻAe ʻia ke komo pōkole a nānā ʻia e nā kamaʻāina e hoʻopaʻa a wehe i nā mea pono, nā lāʻau lapaʻau, nā palapala kānāwai, a me nā mea waiwai.
4. Ka Huli ʻulaʻula (Pono ʻole e noho ai): Papa ʻia ka noho ʻana a i ʻole ka hiamoe ʻana i loko o ka hale, a pāpā ke komo ʻole ʻia inā e hiolo nā hale a i ʻole nā ​​papahele. Eia nō naʻe, inā ʻaʻole e hiolo koke ka hale, hiki i ka Municipal Building Official a i ʻole Fire Marshal ke hāʻawi i kahi ** kiaʻi kiʻi waiwai i mālama ʻia he 1-hola a 2-hola** ke kau ʻia ke kāʻei.
5. E hoʻouna koke i ka leka hoʻomaopopo ma lalo nei: I loko o 12 mau hola o ke ahi a i ʻole ka waikahe, leka uila a leka uila i kou konohiki i ka leka hoʻomaopopo ma lalo nei i hiki ʻole iā lākou ke koi iā ʻoe ua haʻalele i kāu waiwai.

Kaila: Hoʻolaha no ka hoʻopau ʻia ʻana o ka hoʻolimalima hoʻolimalima / hoʻolimalima a mālama ʻia ka waiwai pilikino¶

VIA EMAIL, TEXT MESSAGE, AND CERTIFIED MAIL

Date: [Insert Date]
To: [Landlord / Property Management Company Name]
Address / Email: [Insert Landlord Address and Email]

RE: NOTICE OF CASUALTY DISPLACEMENT, RENT ABATEMENT / LEASE TERMINATION, AND PRESERVATION OF PERSONAL PROPERTY
Property Address: [Your Apartment Address and Unit Number]
Date of Casualty: [Date of Fire / Flood / Storm]
Municipal Fire / Code Incident No.: [Insert Incident or Red Tag Number]

Dear [Landlord / Property Manager Name]:

As you are aware, on [Date of Casualty], Unit [Number] at [Property Address] was rendered uninhabitable due to [fire / smoke / severe water intrusion / ceiling collapse], through no fault or negligence of mine.

1. ELECTION OF STATUTORY REMEDY (Select Option A OR Option B before sending):
[OPTION A - TERMINATION]: Pursuant to [State Statute, e.g., URLTA Section 4.106 / State Residential Landlord-Tenant Act] and the implied warranty of habitability, I hereby exercise my statutory right to TERMINATE my lease effective retroactively as of [Date of Casualty], the date the premises became uninhabitable. Please remit the full, unreduced balance of my security deposit ($[Deposit Amount]) plus the pro-rata refund of unearned prepaid rent from [Date of Casualty] through the end of the month ($[Prepaid Rent Amount]) to my forwarding address at: [Insert Temporary Mailing Address or P.O. Box].

[OR OPTION B - RENT ABATEMENT & PRESERVATION OF TENANCY]: Please take notice that I am NOT terminating or surrendering my tenancy. I have temporarily vacated the premises solely due to the uninhabitable casualty conditions. Pursuant to state habitability and casualty law, my rent is 100% ABATED ($0.00 per day) effective [Date of Casualty] and continuing until all structural, environmental, and utility repairs are completed, the unit passes municipal re-occupancy inspection, and keys are returned to me. Demand is hereby made for an immediate pro-rata refund/credit of $[Amount] for prepaid rent covering the period after [Date of Casualty].

2. MANDATORY PRESERVATION OF PERSONAL PROPERTY (DO NOT DISCARD):
I have NOT abandoned any personal property, furniture, electronics, clothing, or documents located inside Unit [Number]. You, your employees, and your restoration contractors are strictly prohibited from disposing of, removing, or destroying any of my personal belongings without my prior written consent and presence, as the items are required both for salvage and for mandatory physical inspection by my insurance adjuster. Please contact me immediately at [Phone Number] to schedule supervised access for property retrieval and insurance adjuster inspection.

Sincerely,

[Your Signature]
[Your Printed Name]
[Your Phone Number and Email]

He aha inā ʻo ke ahi a i ʻole ka waikahe i hana ʻia e kekahi hoalauna o luna?¶

Ke hoʻomaka ka waikahe a i ʻole ke ahi no ka haʻalele ʻana o kou hoa noho ma luna i kahi ʻauʻau ʻauʻau e piha ana, ua hiamoe me ke kukui ʻā ʻia, a i ʻole i hoʻopaʻa ʻia i kahi mīkini holoi ʻauʻau ʻole i pohā: 1. Kou mau Kuleana e kū'ē i kou konohiki e noho like 100%: ʻOiai inā he 100 pakeneka ka hewa o ka hoalauna o luna a ʻaʻole i hana hewa kou konohiki, ** ʻaʻole hiki ke noho ʻia kou hale me ka hewa ʻole o kāu**. Pono kou konohiki e hāʻawi iā ʻoe i ka 100 pakeneka hoʻomaha hoʻolimalima (a i ʻole e hoʻopau koke ʻoe i ka hoʻolimalima me kahi waihona palekana piha a me ka uku hoʻolimalima mua). ʻAʻole hiki i ke konohiki ke haʻi aku iā ʻoe, "E hoʻomau i ka uku hoʻolimalima iaʻu a hele e hoʻopiʻi i kou hoalauna o luna." 2. Ke koi kūʻē nei i ka poʻe hoʻolimalima hale / ʻinikua aie ʻana o ka hale kūʻai (Coverage E): ʻO kēlā me kēia ʻinikua hoʻolimalima (HO-4) a i ʻole ka mea nona ka condo (HO-6) i loko o ka $100,000 a i $300,000 ma Coverage E (Personal Liability). Ma muli o ka mālama ʻole ʻana o ka hoalauna o luna, ʻo kā lākou Personal Liability coverage ke kuleana o ke kānāwai no ka uku ʻana i kāu pohō ʻaʻole i hoʻopaʻa ʻia (me kāu ʻinikua hiki ke unuhi ʻia, nā lako i hoʻopau ʻia, a me nā bila hōkele inā ʻaʻole ʻoe i ʻinikua hoʻolimalima iā ʻoe iho). E noi i kou konohiki a i ʻole ka hōʻike o ka ʻoihana ahi no ka inoa o ka mea noho ma luna a me ka mea lawe ʻinikua hoʻolimalima, a i ʻole e waiho ma lalo o kāu ʻinikua hoʻolimalima ponoʻī a hoʻokuʻu i kāu mea lawe kaʻa kūʻē i ka hoalauna.

Nīnau pinepine¶

Nā alakaʻi pili¶

• ʻO nā palapala hōʻaiʻē hōkele no ka pilikia, nā kōkua o ke Keʻa ʻulaʻula, a me ka hale ma hope o ke ahi
• Hale noho ʻole: kuleana hana ulia pōpilikia
• ʻO ka mālama ʻana i ka waihona palekana a me nā kuleana hoʻopaʻapaʻa
• ʻO ka hoʻokuke hewa ʻana a me ka hoʻopaʻa ʻana i nā konohiki
• Ka pale ʻana a me ka hoʻoponopono ʻana ma hope o ka pōʻino o ka wai
• ʻO ka haʻalele ʻana i ke ahi a me ke ola
• Nā helu ulia pōpilikia honua

Nānā ʻia nā kumu¶

• Uniform Law Commission (United States): Uniform Residential Landlord and Tenant Act (URLTA) Māhele 4.106 (Ke ahi a i ʻole ka pōʻino) a me URLTA i hoʻoponopono ʻia i ka pauku 409.
• Kānāwai Kivila a me nā Papa Hoʻolimalima Kūloko o Kaleponi (United States): Nā Pauku Kivila 1932(2), 1933(4), a me 1941; Ke Keʻena Hale Noho ʻo Los Angeles (LAHD) a me ka Papa Hoʻolimalima ʻo Kapalakiko no ka hoʻoneʻe ʻana i nā pōʻino a me ke kuleana e hoʻihoʻi i nā lula.
• New York Real Property Law & NYS Division of Housing and Community Renewal (DHCR) (United States): RPL Section 227 (When Tennt May Surrender Premises), RPL Section 235-b, and DHCR Fact Sheet #38 / Form RA-81 ($1.00/Month Constructive Occupancy Order After Fire).
• ʻO Texas Property Code Section 92.054 (ʻAmelika Hui Pū ʻIa): Hoʻopau ʻia nā pohō a me nā uku hoʻolimalima Pro-Rata.
• National Association of Insurance Commissioners (NAIC) (United States): HO-4 Renters Insurance Policy Standards, Coverage C (Replacement Cost vs. Actual Cash Value), a me Coverage D (Additional Living Expenses / Loss of Use).
• Ministry of Housing, Communities and Local Government & Shelter (United Kingdom): Landlord and Tenant Act 1985 Section 11, Homes (Fitness for Human Habitation) Act 2018, and Housing Act 1996 Part VII Emergency Accommodation.
• ʻO Ontario Landlord and Tenant Board (LTB) & ​​Tribunals Ontario (Canada): Residential Tenancies Act, 2006 (Frustrated Tenancy, Rent Abatement Form T2/T6, and Right of First Refusal After Repairs Sec. 53).