Ebe ị ga-ehi ụra n'abalị a ka ọkụ ụlọ, idei mmiri, ma ọ bụ ikpe ụlọ gasịrị¶

Iguzo n'akụkụ ụzọ n'etiti abalị ka ndị na-agbanyụ ọkụ na-atụgharị hoses n'èzí ụlọ ụlọ gị na-ese anwụrụ ọkụ, ma ọ bụ na-alọta n'ụlọ ọrụ ịchọta obodo na-acha uhie uhie ma ọ bụ odo odo "Enweghị Nchekwa Ọnwụnwa / ikpe" stapled n'ofe ọnụ ụzọ ụlọ gị mgbe a gbasasịrị elu ụlọ ma ọ bụ nnukwu ezumike mmiri, na-emepụta nsogbu ebe obibi ozugbo. Ọtụtụ mgbe, ndị nwe ụlọ a chụpụrụ n'ebe obibi na-eguzo na pajamas ma ọ bụ uwe ọrụ na-enweghị obere akpa, ọgwụ, ugogbe anya anya, ma ọ bụ laptọọpụ, na-eche ka ha ga-esi akwụ ụgwọ ụlọ nkwari akụ n'abalị a na ma hà ka ji ụgwọ ụlọ na mbụ nke ọnwa.

Ịkwesighi ịrahụ ụra n'ime ụgbọ ala gị ma ọ bụ wepụ ego nri gị maka ọnụ ụlọ motel ma ọ bụrụ na ị na-eme ka ụgbụ nchekwa ọdachi na-agafe n'usoro ziri ezi n'ime awa 6 mbụ. Ọkụ ebe obibi ọ bụla, idei mmiri, ma ọ bụ ikpe ụlọ ọ bụla na-akpalite usoro iwu na mmekọrịta mmadụ na ibe ya: ozugbo n'ebe nkiri ** Red Cross / Red Crescent kaadị enyemaka akwụgoro ụgwọ **, ** ndị na-akwụ ụgwọ ma ọ bụ ndị nwe ụlọ mkpuchi Mgbakwunye Living Expense (ALE) ego agamnihu *, ** koodu ime obodo mmanye iwu ibugharị onye nwe ụlọ iwu, na **lọ ọrụ njikwa ụlọ nke nwa oge.

Mee nke a ugbu a¶

1. ** Rịọ Fire Battalion Chief nọ n'ebe ahụ ka o zipu Red Cross Disaster Action Team (DAT) tupu engines ahapụ *: Ọ bụrụ na ọkụ, mgbawa, ma ọ bụ ọdịda mberede ewepụ gị, rịọ onye ọrụ mgbanyụ ọkụ na ebe ahụ ka ọ rịọ Red Cross (ma ọ bụ ndị ọrụ mberede obodo ime obodo) ozugbo, ma ọ bụ kpọọ American Red Cross 24/7 zipu ozugbo na ** 1-800 (1-800-733-2767) na United States (ma ọ bụ pịa 211 na US na Canada, ma ọ bụ kpọtụrụ ndị otu kansụl gị enweghị ebe obibi/otu ọrụ mberede na UK na EU).
2. ** Nweta nọmba mkpesa ọkụ nke gọọmentị ma ọ bụ iwu mmanye mmanye iwu **: Tupu ị pụọ n'okporo ụzọ, detuo ma ọ bụ see foto ngalaba ọkụ ** Nọmba ihe merenụ na aha Battalion Chief, ma ọ bụ were foto nso nso nke onye nyocha ụlọ obodo Red/Yellow Tag Notice of Violation. Ụlọ ọrụ enyemaka ọ bụla, onye mkpuchi mkpuchi na ụlọ ikpe chọrọ nọmba a iji chọpụta nchụpụ gị.
3. ** Rịọ onye mgbanyụ ọkụ nkeji 5 a na-elekọta maka naanị ihe dị mkpa na ndụ ***: Agafela teepu ọkụ edo edo ma ọ bụ n'ime ụlọ nwere akara uhie; jụọ Ọchịagha ihe merenụ ma ọ bụrụ na ọnọdụ nhazi na-ekwe ka onye ọkụ ọkụ nwere okpu agha kpọbatara gị n'ime nkeji 3 iji jide ọgwụ ndenye ọgwụ, paspọtụ/ID, ugogbe anya anya, igodo ụgbọ ala, na ndị na-ebu anụ ụlọ.
4. ** Kpọọ ndị na-akwụ ụgwọ gị ma ọ bụ ndị nwe ụlọ mkpuchi 24/7 na-ekwu na tebụl maka mfu nke ojiji (ALE) ozugbo *: Ọ bụrụgodị na ọkụ ahụ malitere n'ụlọ onye agbata obi ma ị naghị emejọ gị, kpọọ onye na-ebu mkpuchi ụlọ gị ozugbo iji mepee ** mkpuchi D (Loss of Use / Expens Living Expenses) kwuru; Ndị insurers nwere ike ịdegara gị ụlọ nkwari akụ ozugbo ma ọ bụ ziga ozi ego mberede na kaadị debit gị.
5. ** Ziga onye nwe ụlọ akwụkwọ ọkwa ederede nke enweghị ebe obibi na mgbazinye mgbazinye ***: Email ma degara onye nwe ụlọ ozi ozugbo na-ekwupụta na ụlọ ahụ emeela ka ọ ghara ibibi site na ndị omempụ ma ọ bụ iwu obodo, na-arịọ enyemaka mbugharị ozugbo ma ọ bụ ụlọ ndochi nwa oge, na-enye ọkwa na ụgwọ ụlọ kwa ụbọchị na-ebelata (kwụsịtụ) ebe ị nweghị ike ịbanye n'ụzọ iwu kwadoro.
6. ** Debe otu ụlọ oriri na ọṅụṅụ, ụlọ oriri na ọṅụṅụ, uwe na akwụkwọ nnata anụ ụlọ ***: Foto ma chekwaa nnata ọ bụla maka ọnụ ụlọ motel, nri, ụlọ mposi mberede, uwe ọrụ na akwa akwa malite na elekere 1; A na-akwụghachi ụgwọ ndị a na-adịghị n'akpa n'okpuru mkpuchi ALE mkpuchi, iwu ịkwaga onye nwe ụlọ, ma ọ bụ onyinye ọdachi.

Tụnyere usoro ego nchekwa ụlọ mberede 4 (awa 72 mbụ)¶

Mgbe ụlọ ma ọ bụ ụlọ ghọrọ ebe obibi, usoro ego anọ dị iche iche dị iji kpuchie akwa, nri na uwe gị. Ị nwere ike ma kwesị ịgbalite ọtụtụ egwu n'otu oge, ma ọ bụrụ na ị nwetaghị ụgwọ nkwụghachi oyiri maka otu nnata ugboro abụọ.

flowchart TD
    Displaced["Ewepụrụ n'abalị a site na ọkụ, idei mmiri, ndakpọ ma ọ bụ mkpado ikpe"] --> Incident["1. Nweta Nọmba Mberede Ọkụ ma ọ bụ Kaadị Mkpebi Iwu Ụlọ Ọrụ"]
    Incident --> RedCross["2. Kpọọ Red Cross (1-800-733-2767) ma ọ bụ Ọrụ Ndị Ọrụ Na-ahụ Maka Mberede Obodo (211 / Council Ọrụ) ozugbo."]
    RedCross --> InsCheck{"Ị nwere mkpuchi ụlọ mgbazinye ma ọ bụ ndị nwe ụlọ?"}
    InsCheck -->|"Ee (Amụma na-arụ ọrụ)"| CallIns["3. Kpọọ 24/7 ahịrị ebubo; Mepee mkpuchi D (Loss of Use / ALE) na-aza ma rịọ maka Direct-Bill Hotel n'abalị a"]
    InsCheck -->|"Enweghị amụma"| CityTrack["3. Jụọ Red Cross Caseworker + Onye nyocha koodu obodo / 211 maka akwụkwọ ikike ụlọ oriri na ọṅụṅụ mberede ma ọ bụ ebe nchekwa ezinụlọ nwa oge."]
    CallIns --> MedsID["4. Jiri Ọrụ Ahụike Red Cross ma ọ bụ Ọdachi Ọdachi nke ụlọ ahịa ọgwụ dochie ọgwụ na ugogbe anya anya efu."]
    CityTrack --> MedsID
    MedsID --> LandlordNotice["."]
    LandlordNotice --> Receipts["6. Chekwaa nkwari akụ ọ bụla, nri, uwe, na akwụkwọ nnabata anụ ụlọ maka nkwụghachi."]

Track 1: Otu esi enweta enyemaka ego mberede Red Cross na ego ụlọ oriri na ọṅụṅụ n'ime awa¶

Echiche na-ezighi ezi bụ na Red Cross na-anabata naanị oke ifufe ma ọ bụ ọkụ ọhịa nke egosiri na telivishọn mba. N'ezie, ihe karịrị pasentị 90 nke ihe mberede ndị isi Red Cross mpaghara na-ahụ maka (dị ka American Red Cross, Canadian Red Cross, na British Red Cross ndị mmekọ ihe mberede na-emekọ ihe) bụ ** ọkụ nke otu ezinụlọ na ụlọ ụlọ ** na-eme kwa abalị n'afọ.

Otu usoro otu ihe omume ọdachi (DAT) si arụ ọrụ¶

1. ** Ozi na-eme n'ọhụụ vs. Ịbanye ekwentị *: Mgbe ọkụ bibiri ma ọ bụ bepụ ihe ndị dị mkpa na otu ma ọ bụ karịa nkeji, onye na-ahụ maka ihe mberede nke Ngalaba Fire ma ọ bụ onye uweojii na-ahụ maka nche nwere ike ịrịọ Red Cross ** Ndị Ọrụ Ọdachi (DAT) site na izipu mberede. Ọ bụrụ na gwongworo ọkụ ahapụlarị ebe ahụ tupu ị rute n'ụlọ, kpọọ 1-800-RED-CROSS (1-800-733-2767) ozugbo.
2. ** Nnwale nyocha ihe mebiri ***: Ndị ọrụ afọ ofufo Red Cross na-enyocha site na ụlọ ọrụ izipu Ngalaba Ọkụ nke mpaghara na adreesị ụlọ gị nwere ihe omume na-arụ ọrụ nke mere ka ngalaba gị ghara ịdị ndụ (dị ka mmebi ọkụ, mmebi anwụrụ ọkụ, mmeghe elu ụlọ, ma ọ bụ nkwụsị nke gas, mmiri na ọkụ eletrik).
3. ** Kaadị Enyemaka ndị ahịa ozugbo (Visa/Mastercard akwụgoro akwụgoro)**: Ozugbo akwadoro ebe obibi gị na nchụpụ gị, Red Cross na-ewepụta kaadị akwụ ụgwọ ụgwọ enyemaka ego mberede ** nke ejiri nguzozi ego ozugbo ruru ọnụ ọgụgụ ndị okenye na ụmụaka nọ n'ezinụlọ gị. Ị nwere ike iji kaadị a n'ihu ụlọ oriri na ọṅụṅụ / ụlọ oriri na ọṅụṅụ, ụlọ ahịa ọgwụ, ma ọ bụ ụlọ ahịa uwe, ma ọ bụ wepụ ego na ATM na efu efu.
4. ** Gịnị ma ọ bụrụ na ị tụfuru akwụkwọ ikike ịnya ụgbọ ala ma ọ bụ ID gị n'ọkụ?**: Ịchọghị **** chọrọ NJ foto gọọmentị ma ọ bụ ọkwa mbata na ọpụpụ iwu iji nweta ebe nchekwa mberede Red Cross ma ọ bụ enyemaka ego. Ndị ọrụ afọ ofufo nwere ike nyochaa ebe obibi gị site na iji mpempe akwụkwọ ozi sitere na igbe ozi gị, ụgwọ ụlọ ọrụ dijitalụ ma ọ bụ mgbazinye na ekwentị gị, nkwenye onye nwe ụlọ, ma ọ bụ nkwenye onye agbata obi/ọkụ ọkụ na ọnọdụ.
5. ** Ọrụ Ahụike Ọdachi (Dochie ọgwụ ndị furu efu na ngwa ahụike)**: Ọ bụrụ na ọgwụ mgbali ọbara gị, insulin, ndị na-ekpo ọkụ asthma, ugogbe anya anya, eze ezé, onye na-aga ije, ma ọ bụ igwe CPAP gbara ọkụ ma ọ bụ nọrọ n'ime ụlọ a mara ikpe, gwa onye ọrụ Red Cross gị ozugbo. Ndị nọọsụ nyere ikike Red Cross Disaster Health Services na-arụ ọrụ 24/7 iji kpọtụrụ dọkịta gị ma ọ bụ ụlọ ahịa ọgwụ mpaghara wee nye vouchers nke na-ekpuchi ọnụ ahịa ndenye ọgwụ mberede na akụrụngwa ọgwụ nọchiri anya.

Track 2: Ịkpọghee ndị mgbazinye ma ọ bụ mkpuchi ndị nwe ụlọ "Mfu nke ojiji" (Mkpuchi D)¶

Ọ bụrụ na ị na-akwụ 12 na 20 US dollar kwa ọnwa maka ọkọlọtọ ** HO-4 Renters Insurance** amụma (ma ọ bụ nwee HO-3 nwe ụlọ ma ọ bụ HO-6 Condo amụma), ị na-ejide otu n'ime ndị kasị ike ozugbo nchebe ụlọ dị: ** mkpuchi D, Ọnwụ nke ojiji / Mgbakwunye Living Expenses (ALE)**.

Eziokwu ndị dị mkpa gbasara mkpuchi D (ALE) nke ndị nwe ụlọ na-atụkarị anya¶

• ** A na-ekpuchi gị ọbụlagodi ma ọ bụrụ na onye agbata obi gị kpatara ọkụ ma ọ bụ idei mmiri ***: Ọ bụrụ na ụlọ dị n'elu na-agba ọkụ ma ọ bụ ọkpọkọ gbawara okpukpu abụọ n'elu gị na obodo ahụ na-emechi ọkụ na mmiri n'ime ụlọ ahụ dum, mkpuchi mkpuchi ụlọ nke gị na-akwụ ụgwọ maka ụlọ oriri na ọṅụṅụ gị na nri ozugbo. Ị gaghị echere ọnwa iji gbaa onye agbata obi ma ọ bụ onye nwe ụlọ na-eleghara anya akwụkwọ.
• ** A na-ekpuchi gị ọbụlagodi ma ọ bụrụ na ọkụ dị n'akụkụ na-eme ka ndị ọchịchị na-apụ apụ ***: Ọtụtụ atumatu gụnyere ** Ndị ọchịchị amachibidoro iji ** nkeji okwu: ọ bụrụ na ọkụ, ikuku gas, ma ọ bụ ọdịda arụrụ n'ụlọ dị n'akụkụ na-eme ka Fire Marshal ma ọ bụ ndị uwe ojii mechie okporo ụzọ gị ma gbochie gị ịbanye n'ụlọ gị na-adịghị emebi emebi, amụma gị na-akwụ ụgwọ maka ụlọ oriri na ọṅụṅụ gị na nri izu abụọ ruo izu.
• ** Direct-Bill Hotel Placement Services ***: Mgbe ị na-akpọ onye na-ahụ maka insurer 24/7 ọdachi na-ekwu n'abalị nke ọkụ, gwa onye na-ezipụ ya: "Ụlọ m enweghị ebe obibi n'abalị a n'ihi ọkụ / mmiri mebiri emebi, na achọrọ m ntinye ụlọ nkwari akụ ALE ozugbo ma ọ bụ ọganihu ego electronic." Ebe obibi ***, ma ọ bụ ** CRS Temporary Housing ***) na-edepụta ọnụ ụlọ nkwari akụ dị n'agbata obi gị n'ime otu awa wee tinye ọnụ ụlọ na ụtụ isi na akaụntụ ụlọ ọrụ ụlọ ọrụ ịnshọransị ka ị na-akwụ efu efu n'akpa n'ihu oche.
• ** Otu nkwụghachi nri si arụ ọrụ ("Mgbakwunye" mmefu obibi) ***: ALE na-ekpuchi ** mmụba ** na mmefu ndụ gị dị mkpa karịa mmefu ego gị kwa ọnwa. N'ihi na ị nweghị kichin na ụlọ oriri na ọṅụṅụ, ị ga-eri nri n'ụlọ nri, ndị na-ahụ maka mkpuchi na-akwụghachi ụgwọ ** 50 ruo 75 pasent nke nnata ụlọ oriri na ọṅụṅụ gị ** (na-anọchite anya ọnụ ahịa nke iri nri na-ewepụ ihe ị ga-eji na-eri nri n'ụlọ), gbakwunyere pasent 100 nke ụgwọ ụlọ oriri na ọṅụṅụ, mmezi njem njem / njem gị, ụmụaka na-aga ụlọ akwụkwọ, ụgwọ ọrụ gị ma ọ bụ ụlọ akwụkwọ gị. na ịbanye ụlọ n'ụlọ maka anụ ụlọ gị.

Track 3: Ọrụ ndị nwe ụlọ, Usoro mmanye ahapụla, yana mbelata ụgwọ ụlọ¶

Mgbe ọkụ mere ka ụlọ gị ghara ibibi site na ọkụ, idei mmiri, nchekwa mmiri, enweghị okpomọkụ / mmiri ma ọ bụ enweghị nguzozi, mmekọrịta iwu gị na onye nwe ụlọ na-agbanwe ozugbo n'okpuru iwu ihe onwunwe nke iwu na ** Akwụkwọ ikike obibi nke ebe obibi **.

flowchart TD
    Condemned["Ụlọ enweghị ebe obibi (ọkụ, idei mmiri ma ọ bụ iwu ikpe obodo)"] --> Cause{"Gịnị butere Nchụpụ ahụ?"}
    Cause -->|"Ọkụ na mberede (ọkụ, oké ifufe, mgbawa anaghị akpata onye nwe ụlọ)"| Abate["1. Ngwa ngwa 100% mgbazinye ego kwa ụbọchị (Ịnweghị ụgwọ mgbazinye maka ụbọchị anaghị adị ndụ)"]
    Abate --> LeaseChoice["2. Mepụta ikike nkebi okwu mmebi iwu: Kwụsị ịgbazinye ego maka nloghachi nkwụnye ego nchekwa zuru oke ma ọ bụ chere maka ndozi."]
    Cause -->|"Mmebi koodu, okpuru ulo/uko ụlọ na-akwadoghị, ma ọ bụ mmezi eweghachitere"| Violation["1. Kpọọ ndị mmanye koodu obodo / onye na-enyocha ụlọ ozugbo ka ịnye akwụkwọ ikike ezumike"]
    Violation --> Reloc["2. Demand Statutory Landlord Relocation Payments (Per-Diem Hotel + Moving Allowance Where Mandated by Law)"]
    LeaseChoice --> Lockup["3. Demand Landlord Board Up and Secure Building to Prevent Looting of Remaining Belongings"]
    Reloc --> Lockup

1. Ị ka ga-akwụ ụgwọ ụlọ mgbe ọkụ ma ọ bụ ikpe gasịrị?¶

N'ihe fọrọ nke nta ka ọ bụrụ steeti ọ bụla, mpaghara na ikike Europe, ** mba ***. N'okpuru nkuzi nke nchụpụ na-ewuli elu, nkụda mmụọ nke ebumnuche, yana omume onye nwe ụlọ na onye nwe ụlọ (ọ gwụla ma gị ma ọ bụ onye ọbịa gị kpachapụrụ anya ma ọ bụ jiri nlezianya tinye ọkụ):

• ** Ngwa ngwa Pro-Rata Rent Abatement ***: Ọrụ ịkwụ ụgwọ ụlọ na-adabere n'ụzọ iwu kwadoro onye nwe ụlọ na-enye ebe obibi kwesịrị ekwesị maka ọrụ mmadụ. Site na kpọmkwem ụbọchị ọkụ ma ọ bụ iwu amamikpe na-egbochi gị ibi na ngalaba ahụ, ụgwọ ụlọ gị kwa ụbọchị na-ebelata pasent 100 **.
• Demanding a refund of prepaid rent: If the fire occurred on the 5^th of the month after you already paid the full month's rent on the 1^st, the landlord is legally required to refund the unused pro-rata portion of that month's rent (Days 6 through 30).
• Stopping automatic rent payments: Log into your tenant payment portal or bank bill-pay system tonight and turn off Autopay so next month's rent is not automatically drafted from your checking account while the building sits boarded up.
• Canceling the lease vs. waiting for repairs: Look at the "Casualty / Destruction of Premises" paragraph in your lease. In most jurisdictions, if repairs will take more than 14 to 30 days, either you or the landlord may terminate the lease by written notice, requiring the landlord to return 100 percent of your security deposit (plus any prepaid rent) immediately without deductions for fire or water damage. Read our guide on uninhabitable housing and utility shutoffs for statutory notice templates.

2. When must the landlord pay for your hotel or relocation?¶

Whether a landlord is legally required to pay for your hotel room depends on why the building became uninhabitable and where you live:

• No-Fault Sudden Casualty (Lightning fire, neighboring fire, natural flood): In most jurisdictions, if a sudden accident occurs through no fault of the landlord, the landlord must abate your rent and return your deposit, but is not automatically required by state law to pay for your hotel room (unless your lease promises a replacement unit). That is why Red Cross aid and Renters Insurance ALE are so important.
• Landlord Negligence or Code Enforcement Condemnation: If your unit is condemned by a municipal Building Inspector, Fire Marshal, or Health Department because of landlord code violations (such as unpermitted electrical wiring that sparked a fire, an illegal basement/attic apartment without a second fire exit, a collapsed roof from unfixed leaks, or shutoff utilities caused by the landlord failing to pay the master water/electric bill), many state and municipal laws force the landlord to pay mandatory relocation assistance:
  • Municipal Relocation Ordinances (United States examples): In cities and states with Tenant Relocation Assistance statutes (such as California Health & Safety Code § 17975, Washington State RCW 59.18.085, New Jersey's Relocation Assistance Act, New York City HPD Emergency Housing Services, Chicago, Seattle, Oakland, and Los Angeles), when a building is red-tagged due to code violations, the landlord is legally ordered to pay displaced tenants 3 times the monthly fair-market rent, plus moving costs and immediate per-diem hotel allowances within 24 to 72 hours. If the landlord refuses to pay, the city advances the hotel/relocation funds to the tenant and places a super-priority tax lien against the landlord's building.
  • United Kingdom (Housing Act 1996 Part VII): If a fire or Local Authority Environmental Health Emergency Prohibition Order leaves you with nowhere safe to sleep tonight, contact your Local Council's 24-Hour Out-of-Hours Emergency Homelessness / Housing Options Team. Under Section 188 of the Housing Act, the council has an immediate statutory duty to provide interim emergency accommodation tonight if there is reason to believe you may be homeless and in priority need (which explicitly includes anyone made homeless by an emergency such as fire, flood, or other disaster).

Chebe anụ ụlọ gị, ọgwụ, na akụrụngwa gị n'ime awa 24 mbụ¶

Ozugbo ị nwere ụlọ n'elu isi gị maka abalị, mezue usoro nhazi ise ndị a n'ụtụtụ echi ka ị ghara ị nweta ụgwọ ọrụ maka ụlọ ọkụ ma ọ bụ hapụ anụ ụlọ gị:

1. ** Ịbanye ihe mberede maka anụ ụlọ mgbe ọkụ gasịrị ***: Ndị ọrụ Red Cross na-arụkọ ọrụ na njikwa anụ ọhịa obodo / Humane Society Disaster Response teams na-arụkọ ọrụ ọnụ na ụlọ ọgwụ anụ ụlọ na ebe ndị na-azụ anụ ụlọ na-enye ** free 7-na-14-day ụbọchị ọdachi mberede nbanye ** maka nkịta na nwamba nke ọkụ ọkụ mgbe ị nọ na họtel. Ọzọkwa, ọ bụrụ na ị nwere nkwarụ ahụike ma ọ bụ ahụike uche ma dabere na Animal Animal or Emotional Support Animal (ESA), ụlọ oriri na ọṅụṅụ na ebe nchekwa nwa oge ka achọrọ n'okpuru iwu nkwarụ gọọmenti etiti iji wepụ iwu "enweghị anụ ụlọ" na ụgwọ anụ ụlọ.
2. ** Gbanyụọ ma ọ bụ mechie akaụntụ ọrụ gị ozugbo ***: Kpọọ ndị na-eweta ọkụ eletrik, gas na ịntanetị n'ụtụtụ mgbe ọkụ ahụ gachara wee kọọ na ọkụ bibiri ma ọ bụ katọọ unit ahụ (nye ha nọmba ihe mberede ọkụ). Ọ bụrụ na ịhapụ akaụntụ eletrik ma ọ bụ gas meghere n'aha gị ka ndị na-ahụ maka mweghachi na-arụ ọrụ dehumidifiers na ndị na-ekpo ọkụ awa 24 kwa ụbọchị iji kpoo ụlọ onye nwe ụlọ, a ga-akwụ gị ụgwọ ọtụtụ narị dollar maka ike ịrụ ụlọ nke onye nwe ụlọ.
3. ** Mepụta ngwa ngwa USPS / nzi ozi ozi ***: Nyefee arịrịọ n'ịntanetị Jide Mail n'aka ọrụ nzi ozi mba gị (USPS, Royal Mail, Canada Post) yabụ etinyeghị kaadị debit nnọchi, nlele mkpuchi na akwụkwọ njirimara nwere mmetụta n'ime igbe ozi enweghị nchekwa, ọkụ n'okporo ụzọ.
4. ** Jiri nkwụghachi ụgwọ dochie NJ mbụ ***: Jụọ onye ọrụ Red Cross gị maka onye ọrụ Red Cross Verification of Disaster/Fọm mfu ọkụ. Ịnye akwụkwọ a n'ụlọ ọrụ Department of Motor Vehicles (DMV) steeti, ụlọ ọrụ ndekọ aha obodo, na ụlọ ọrụ nchekwa ọha na-ahapụkarị ụgwọ nnọchi maka akwụkwọ ikike ịnya ụgbọ ala, asambodo ọmụmụ, na kaadị uru gbara n'ọkụ.
5. **Adịla abịanyela aka n'akwụkwọ nkwekọrịta "Public Adjuster" ma ọ bụ "Onye Nkwekọrịta Mweghachi" n'okporo ụzọ ***: N'oge nnukwu ọkụ na-arụ ọrụ, ndị ọrụ nkwekọrịta "chaser" nyere ọrụ na ndị na-eme ihe ike ọha na eze na-apụtakarị n'akụkụ ụzọ na-ege ihe nyocha ọkụ ma na-amanye ndị ọ metụtara ka ha bịanye aka n'akwụkwọ n'okpuru oriọna okporo ụzọ. Abanyela nkwekọrịta ọ bụla n'abalị nke ọkụ. Na-arụ ọrụ naanị gị na ndị ọrụ ngalaba mgbanyụ ọkụ na-eyi uwe, ndị ọrụ afọ ofufo Red Cross yi baajị foto foto gọọmentị, yana nọmba nkwuputa ụlọ ọrụ ịnshọransị nke gị.

Ndekọ nlanarị nke awa 24 gachara na amamikpe¶

Jiri ndepụta nlele a hazie ụbọchị mgbake mbụ gị:

• Dekọọ nọmba ihe mberede nke ngalaba mgbanyụ ọkụ ma ọ bụ sere akwụkwọ ngosi Mkpebi Uhie/Edo Edo nke onye nyocha ihe owuwu obodo.
• Ejikọtara ya na Red Cross Disaster Action Team (1-800-733-2767) ma ọ bụ ndị ọrụ mmekọrịta mberede nke ime obodo (211 / Council Housing Duty) maka kaadị enyemaka akwụgoro ụgwọ ozugbo ma ọ bụ akwụkwọ ego ụlọ oriri na ọṅụṅụ.
• Mepee mkpuchi mkpuchi D (Loss of Use/ALE) n'aka ndị na-akwụ ụgwọ gị ma ọ bụ ndị inshọransị ndị nwe ụlọ wee rịọ maka ntinye ụlọ nkwari akụ na-akwụ ụgwọ ozugbo.
• Kpọtụrụ Ọrụ Ahụike Ọdachi Ọdachi Red Cross ma ọ bụ ụlọ ahịa ọgwụ gị ka ị nweta mbibi mberede mberede maka ọgwụ ndenye ọgwụ kwa ụbọchị na ugogbe anya anya furu efu.
• Zitere onye nwe ụlọ akwụkwọ ozi email/ederede ederede na-edekọ ọnọdụ enweghị ike ibi, na-akwado mbelata ụgwọ ụlọ 100, yana gbanyụọ ịkwụ ụgwọ mgbazinye akpaka.
• Debere akụrụngwa eletriki, gas na ịntanetị n'aha gị na njide/kwụpụ njikọ nke ọdachi ka ị ghara ịgba ụgwọ maka akụrụngwa ihicha ndị ọrụ nkwekọrịta.

Ajụjụ a na-ajụkarị¶

enyochara isi mmalite¶

• American Red Cross (United States): Ndị otu na-eme ọdachi (DAT) Ụkpụrụ nzaghachi ọkụ nke ụlọ, ntuziaka enyemaka ego ozugbo (CAC), na ụkpụrụ ọrụ ahụike ọdachi.
• Ụlọ ọrụ nlekọta ihe mberede nke Federal na US Fire Administration (FEMA / USFA, United States): * Mgbe ọkụ ahụ gasịrị: Ịlaghachi na Nkịtị, Ntuziaka Iweghachite Ọkụ Ọkụ maka ndị bi na ndị nwe ụlọ*.
• National Association of Insurance Commissioners (NAIC, United States): Nduzi ndị ahịa maka ndị na-akwụ ụgwọ ụlọ na mkpuchi ndị nwe ụlọ: mkpuchi D (Mfu nke iji / mmefu obibi ndị ọzọ) na-ekwu.
• Ngalaba Ụlọ na mmepe obodo nke U.S. (HUD, United States): Ikike ndị nwe ụlọ, akwụkwọ ikike nke ebe obibi, na mmemme enyemaka obibi mgbe ọdachi gasịrị.
• Ministry of Housing, Communities and Local Government and Shelter (MHCLG/Shelter, United Kingdom): Iwu ụlọ 1996 Nkebi VII Nkeji 188 Ọrụ obibi nwa oge maka ndị na-enweghị ebe obibi na-esochi ọkụ, idei mmiri, ma ọ bụ ọdachi.

Ntuziaka emetụtara¶

• Ọkụ ụlọ
• Ụlọ na-enweghị ebe obibi na ọrụ ndị dị mkpa
• Nchụpụ na mkpochi n'ụzọ iwu na-akwadoghị
• Ịlanarị enweghị ụlọ yana oke ihu igwe