Malu a dishima a tshipepele tshikole tshia panyima pa tshipupu, bakonkononyi ba FEMA ba dishima, ne dishima dia diambuluisha¶

Mu meba makese kunyima kua tshipepele tshikole, mvula, mvula wa mabue, kapia ka muitu, anyi tshikumina tshikuate musoko, tshisumbu tshibidi tshia nyama idi idia bantu tshidi tshifika panyima pa bantu badi bambuluisha bantu mu mpukapuka. Bisumbu bia bena mudimu ba pambelu pa ditunga badi kabayi ne mikanda ya dianyisha (badibu babikila ne: "balonda bipupu"), balombodi ba bipupu ba mbulamatadi ba dishima, "balombodi ba malu a tshipupu" badi balomba dikosa dia makuta kumpala kua mikenji, ne bafidi ba makuta a dishima badi baya ku nzubu ne ku nzubu bua kukeba bena nzubu badi ne buôwa ne batshioke. Padi tshisasa tshieba tshienda tshipatuka, mutshi udi wimana pa nzubu webe wa mashinyi, anyi mâyi a mvula adi apueka mu nzubu webe wa tshilala benyi, bena tshinyangu badi benza mudimu ne lukasa luebe bua kuiba makuta ebe a assurance, kukunyenga mukanda webe wa dianyisha dia mbulamatadi, anyi kukushima bua kutua tshiala pa mukanda wa "Assignment of Benefits" udi upesha kumpanyi wa assurance bukokeshi buonso pa nzubu yebe ya assurance ne udi uteka nzubu yebe ya tshiamu tshia mashinyi.

Bua kukuba dîku diebe, bintu biebe, ne makuta ebe a diambuluisha dia bipupu bidi bikengela kuikala ne tshijadiki tshikole kumpala kua kuanyishila muntu nansha umue bua kubuela pa mutu pa nzubu webe, kubuela mu nzubu muebe anyi pabuipi ne nimero yebe ya dimanyishangana. Bibambalu bia ditunga bidi bitangila malu a tshimpitshimpi, ba avocat banene ba ditunga, ne bibambalu bia dishima bia assurance pa buloba bujima bidi bishindika mukenji mupepele: ba-inspektere ba mbulamatadi badi ne bukenji kabatu balomba makuta a dilomba anyi balomba nimero ya banke ku tshiibi to, ne ba-kontraktere ba nzubu badi ne lumu kabatu balomba bua kuya ku nzubu ne ku nzubu bua kulomba makuta diakamue kumpala kua muena assurance wenu kumonaye ne: udi ne njiwu to. Bua kupeta dilongolola ne dilongolola dia tshipepele tshikole, bala site wetu wa bakaji tshipepele tshikole.mulombodi.

Enza nunku mpindieu¶

Bikala tshipupu tshimane kunyanga nzubu webe ne muntu mukuabu ukokola ku tshiibi tshiebe wamba mudiye mutangidi wa mbulamatadi, muena mudimu wa mu nzubu, muena mudimu wa diumusha mitshi anyi muena mudimu wa dilongolola nzubu udi musue kulongolola diakamue, enza malu asambombo aa diakamue:

1. Kuena mua kutua tshiala pa mukanda nansha umua, tshiamu tshia tablete, "dianyisha dia kutangila," anyi "mukenji wa kufuta" ku tshiibi tshiebe: Bena mudimu ba Storm-chaser batu basokoka bipungidi bia kuibaka nzubu anyi midimu yonso ya diambuluisha (AOB) bu "dilekela dia dikonkonona dia nzubu dia tshianana" anyi "mabeji a diambuluisha dia dilomba dia assurance" pa tablete wa ku Enternete. Benga kutua tshiala pa tshintu nansha tshimue too ne padi kumpanyi webe wa assurance ne mufidi wa mibelu wa muaba uudi musombele bamane kukonkonona mikanda idibu bapatule.
2. Ujadike tshimanyishilu tshia tshipupu tshia mbulamatadi yonso ne nomba wa difundisha dia nomba 9: Bakonkononyi ba mbulamatadi ba mu tshibambalu tshienu tshia tshipupu tshia ditunga (bu mudi FEMA mu États-Unis) batu misangu yonso bavuala tshimanyishilu tshia tshipupu tshia mbulamatadi, bikale ne nomba wenu wa difundisha dia diambuluisha dia bipupu, ne **kulomba makuta anyi kufila malu adi atangila konte wenu wa ku banke nansha kakese kukufundisha ku mbangilu bua difutu.
3. Kulekedi muntu udi kayi mulomba bua kubuela pa mutu pa nzubu webe anyi mu nzubu webe wa kuulu nkayebe: Bantu badi kabayi ne bululame badi benza mudimu wa ku nzubu ne ku nzubu badi babanda pa nzubu idi kayiyi minyanguke anyi minyanguke kakese ne badi bapanda mabue a asphalte ku bianza, batuta miaba idibu bapatuila luya ne mupimbu wa golf anyi tshiamu tshia arjan bua kuidikija mvula wa mabue, ne foto yabu ya dishima idi yenza mudimu wa dishima dilomba dia assurance.
4. Kubenga kufuta makuta, dituma dia makuta ku Enternete, programe ya difuta dia makuta, anyi makuta mapite pa 10 anyi 30 pa lukama: Kufutshi makuta onso kumpala kua dîba bua diumusha dia mitshi, dibuikila dia tshilamba tshia kuulu anyi disukula dia bintu bidi binyanguke to. Muena mudimu yense udi ulomba makuta diakamue, ukupesha "difutu dia bintu bidi bishale bia lelu," anyi ukuambila bua kuenza tshikebelu tshia assurance tshia kufuta buludiludi ku dina diabu nkayende udi wenza tshinyangu.
5. Bikila kumpanyi wa assurance wa muena nzubu webe anyi wa muena nzubu webe buludiludi ku diambuluisha dia nimero udi pa karte kebe ka assurance: Kulekedi muntu uudi kuyi mumanye ku tshiibi tshiebe ubikila muena nzubu webe ku telefone anyi ufunda dilomba dia makuta mu dîna diebe to. Wewe nkayebe, yukila ne muena mudimu webe wa tshishimbi, wangate foto ya bintu bionso bidi binyanguke panshi kumpala kua kuenza tshilamba tshia tshimpitshimpi, ne webeja muena mudimu webe bungi bua makuta adibu mua kupingaja.
6. Umanyishe bantu badibu bela meji ne: mbashima, badi babandisha mushinga, ne badi bashima diakamue kudi bampulushi ne ku telefone ya dishima: Bikala muntu udienzeja bu mutangidi wa mbulamatadi anyi ubenga kupatuka mu nzubu webe, ubikile ku nimero wa njiwu wa muaba unudi (911 mu États-Unis ne mu Canada, 112 mu Union européenne mujima, 999 mu Royaume-Uni) anyi tangila nimero yetu nomba ya tshimpitshimpi tshilaminu. Mu ditunga dia États-Unis, manyisha malu a tshinyangu kudi tshibambalu tshia dishima dia bipupu (NCDF) ku nimero eyi: 1-866-720-5721.

Mutshi wa mapangadika a dijadika dia benyi ba ku nzubu ne ku nzubu panyima pa tshipupu¶

Padi muntu usemena pabuipi ne nzubu webe udi munyanguke kunyima kua tshipepele tshikole, mvula wa bungi anyi kapia, londa tshimfuanyi etshi tshia dipangadika kumpala kua kunzulula tshiibi tshiebe, kukupesha mikanda anyi kulekela muntu yonso ubuela mu nzubu webe.

flowchart TD
    Knock["Muenyi udi kayi mulombibue udi ulua kumbelu kuebe kunyima kua tshipepele tshikole, mvula wa kabutu, kapia ka muitu anyi tshikumina"] --> WhoIsIt{"1. Muenyi udi udiamba mudiye nganyi?"}
    WhoIsIt -->|"A. FEMA / Mutangidi wa malu a bipupu wa mbulamatadi anyi muena mudimu wa nzubu"| VerifyGov["Akula ku tshiibi anyi upatuke pambelu ne ukanga tshiibi; Lomba tshimanyishilu tshia ID tshia tshimfuanyi tshia mbulamatadi"]
    WhoIsIt -->|"B. Muena mudimu wa dibuikila nzubu ku nzubu ne ku nzubu, diumusha dia mitshi anyi dilongolola dia mayi"| ContractorCheck["KUBALEKEDI pa mutu pa nzubu anyi munda mua nzubu wa kuulu to; Kutua tshiala nansha kakese pa mukanda wa 'Dikonkonona dia tshianana' to"]
    WhoIsIt -->|"C. Muena mudimu wa mu nzubu (gaz, nzembu, mayi) udi ulomba bua kuimanyika nzubu ne lukasa"| UtilityCheck["Lama tshiibi tshikanga; Bikila ku nomba wa kumpanyi wa mudimu bua kujadika dikumbula dilongolola ku adrese weba"]
    WhoIsIt -->|"D. Musangishi wa bintu bia luse anyi Mulombodi wa malu a diambuluisha dia bantu"| CharityCheck["Kupeshi nansha kakese makuta, karte ka dipa, Crypto, anyi nomba ya karte ku tshiibi anyi ku telefone"]
    VerifyGov --> GovTest{"2. Badiku bamanye nomba webe wa difunda dia tshipupu ne balomba makuta a ZERO anyi?"}
    GovTest -->|"Eyowa: Tshimanyishilu tshidi tshipetangana ne mbamanye Case ID webe"| SafeInspect["Ubalombole mu tshikondo tshia minite 15 ya dijadika dia dinyanguka; Kuena mua kufila malu a banke anyi a SSN ku mêyi to"]
    GovTest -->|"Tòo: Badi balomba SSN, ngumu ya ku banke, bitadi, anyi kabena ne ID wa mbulamatadi to"| FakeGov["Kubenga kubuela diakamue; Foto wa tshiamu tshia mashinyi munda; Bikila bampulushi (911/112/999) ne telefone wa dishima dia bipupu"]
    ContractorCheck --> RedFlagCheck{"2. Badiku balomba makuta a kumpala, ma plate a pambelu pa ditunga, anyi Assignment of Benefits (AOB) anyi?"}
    RedFlagCheck -->|"Eyowa: High-pressure anyi AOB form"| RejectStormChaser["Amba ne 'Muena assurance wanyi udi wenza bualu ebu'; Balomba bua kupatuka mu lupangu; Kumanyisha dilomba didi kadiyi ne bukenji"]
    RedFlagCheck -->|"Tòo: Kumpanyi wa muaba udibu basombele udi ushiya karte"| VetLater["Angata anu karte ka mudimu; Tangila mukanda wa dianyisha dia mbulamatadi, tshishimbi tshia malu onso, ne 3 mikanda mifunda pashishe"]
    UtilityCheck --> FakeGov
    CharityCheck --> DonateSafe["Fila mapa anu ku ma site a diambuluishangana (Croix-Rouge, IFRC) adibu bakonkonone ku diambuluisha dia Charity Watchdogs"]

Bulongolodi bua malu asambombo manene a tshinyangu adi menzeke panyima pa tshipupu ne mushindu wa kuatshimuna¶

Bantu badi benza malu a tshinyangu badi benza mudimu ne mikanda isambombo idibu mua kumanyisha kumpala kua dîba mu ditunga dionso didibu bakengesha kudi mvula mikole ne bipupu bia pa buloba. Ingidija tshibambalu etshi bua kumanya tshipangu tshionso ne kuenza mudimu ne tshia kuenza.

Mushindu kayi wa kujadika mutangidi wa malu a bipupu wa mbulamatadi udi mulelela ne muena dishima¶

Panyima pa tshipupu tshinene tshidibu bamanyishe, bakonkononyi ba mbulamatadi ba mu bibambalu bia malu a tshimpitshimpi bia ditunga (bu mudi FEMA ne US Small Business Administration mu États-Unis, Public Safety Canada ne programe ya tshimpitshimpi ya mu provense mu Canada, anyi ba-enjenyere ba nzubu ba mu tshimenga tshia Royaume-Uni ne Australie) batu baya kutangila nzubu idi minyanguke bua kujadika ni bintu bidi bijimine. Kadi, bena tshinyangu batu misangu ya bungi badifuanyikija ne bamfumu aba bua kuiba bantu ne makuta a ku banke.

Mikenji 5 idi kayiyi mua kushintuluka ya malu a mbulamatadi adi atangila bipupu¶

1. Udi ne tshia kuanji kulomba kumpala kua mutangidi wa nzubu kulua kukutangila: Pa kumbusha tshisumbu tshia diambuluisha dia bantu badi bapanduka mu bipupu (DSA) tshidi tshileja patoke tshidi tshienda mu kartshie anu bua kuabanya mikanda ya mbulamatadi anyi kuambuluisha bena musoko bua kubuela mu tshibuelelu tshia mbulamatadi, mutangidi wa malu a nzubu ne ****udi mumane kukutangila kumbelu kuebe dilomba dia diambuluisha dia bipupu ku Enternete, ku telefone, anyi ku nzubu wa diambuluisha dia bipupu.
2. Mulombodi yense udi ne tshimfuanyi tshia mbulamatadi: Mu États-Unis, bakonkononyi ba FEMA ne bena mudimu ba Disaster Survivor Assistance batu misangu yonso bavuala tshimanyinu tshia mbulamatadi tshia mbulamatadi pa tshilamba. Dimanyisha: kuvuala kazaku, tshilamba, anyi tshifulu tshidi ne tshimanyishilu tshia FEMA anyi tshia mbulamatadi ki tshijadiki tshia bumuntu to; muntu yense udi mua kusumba anyi kupatula tshilamba tshia tshipupu ku Enternete. Ulombe bua kutangila bimpe tshimanyishilu tshia foto tshidibu bafunde (kuyi utshiangata ku tshianza tshiabu) ne kukumbaja mpala ne dina.
3. Mukonkononyi udi kale ne nomba webe wa difundisha dia nomba 9: Padi mukonkononyi wa FEMA mulelela ufika ku tshiibi tshiebe anyi ukubikila bua kulongolola tshikondo tshia dikonkonona tshia minite 15 too ne ku 30, badi kale ne nomba webe wa difundisha wa FEMA wa nomba 9 pa tablete wabu wa tshibambalu tshidibu bafunde. Bateta ku tshiibi: webeja mutangidi wa mudimu, "Ndi nkusengelela bua unbadile nomba inayi ya kumpala anyi inayi ya ndekelu ya nomba wanyi wa difunda dia tshipupu bua meme kujadika ne: etshi ke tshikondo tshianyi tshia kutangila." Muena mashimi uvua mukokola ku tshiibi tshiebe ku mpukapuka kakuikala ne nomba webe to.
4. Bakonkononyi ba mikenji kabena mua kukulomba nomba webe wa Social Security, nomba wa njila wa ku banke, anyi difutu nansha dimue: Paudi ulomba diambuluisha dia bipupu, mudimu wa mukonkononyi wa mu mpata udi anu wa kuangata foto ne kupima binyangu bia nzubu ne bintu bia muntu nkayende. Kabena mua kukulomba nansha kakese bua kufuta bitadi bia dikonkonona, kabena mua kukulomba nomba wa konte webe wa ku banke anyi karte kebe ka mfranga, ne kabakulomba nansha kakese bua kufunda nomba webe mujima wa Social Security anyi ID wa bitadi bia ditunga ku tshiibi tshia kumpala to.
5. Bakonkononyi kabatu banyisha, bafila ngenyi, anyi bangata bena mudimu ba pa nkayabu to: Mukonkononyi wa malu a bipupu wa mbulamatadi kakuakuambila nansha kakese bua kuangata kumpanyi kampanda wa dienza dia nzubu, kutua tshiala pa mukanda wa dilongolola anyi kufila mukanda wa assurance to.

Mushindu kayi wa kujadika muena mudimu ku telefone mu masekonde 60¶

Shi udi na mpata pa muntu udi muimane pa tshisasa tshieba wamba mudiye muena mudimu wa mbulamatadi udi utangila malu a bipupu, lama tshiibi tshiebe tshia kumpala tshikanga ne ubikile telefone wa diambuluisha wa mbulamatadi buludiludi: - Mu ditunga dia États-Unis (FEMA Helpline): Bikila 1-800-621-3362 bua kujadika ni muena mudimu udi utangila nzubu udi muteka ku nomba webe wa difundisha ne udi mulongolola ku adrese webe. - Mu ditunga dia États-Unis (SBA Disaster Customer Service): Bikila ku 1-800-659-2955 bua kujadika dijimija dia bintu bia Small Business Administration. - Mu Canada, mu Royaume-Uni, mu Australie, ne mu Union européenne: Bikila tshiamu tshia mudimu tshia mu tshimenga tshienu tshidi katshiyi tshia njiwu anyi telefone wa diambuluisha dia mbulamatadi udi mu tshibambalu tshia mbulamatadi .gov anyi .gc.ca site kumpala kua kunzulula tshiibi.

Mukenji wa tshitupa ku tshitupa bua kuangata bena mudimu bakane ne kuepuka bilumbu bia mudimu wa luibaku¶

Nansha wewe mumane kubenga bena tshinyangu ba ku nzubu ne ku nzubu, kuangata muibaki mubi mu tshikondo tshia dipanga dia bena mudimu kunyima kua tshipupu kudi mua kukushiya ne nzubu udi kayi muanji kujika, konte wa ku banke udi kayi ne tshintu, ne tshibawu tshia muena mudimu tshidibu bafunde mu mukanda wa lupangu luebe bualu muena mudimu kavua mufute muena mudimu wende wa mabaya anyi muena mudimu wende to.

Mulongo wa malu 8 adi atangila dienza dia mapangadika adi kaayi ne njiwu¶

• Tshitupa 1: Udi mua kuyukila ne kumpanyi webe wa assurance ne kufunda malu onso kumpala kua wewe kulenga bintu bidi kabiyi ne njiwu: Angata foto ne video ya nzubu yonso, ya tshisasa, ya mayi pa tshimanu, ne nomba ya tshiamu tshinyanguke. Kuelayi matapi anyi bintu bia mudimu bidi binyanguke too ne padi muena mudimu webe wa tshishimbi ujadika ne udi mua kubiela panshi (pa kumbusha padibi bikengela kubimbusha diakamue, mu nsombelu eu, udi mua kukosa ne kulama tshitupa tshia tapis tshia 30-ku-30-sentimetre / 12-ku-12-inch ne tshilamba tshia kujika natshi mu tshibombi tshia plastique tshikanga bu tshijadiki tshia mushinga mukole).
• Tshitupa 2: Peta mikanda isatu mifunda, mifunda kudi bena mudimu ba muaba uudi musombele: Keba bena mudimu badi balame tshisalu anyi biro mu tshimenga tshienu anyi mu tshitupa tshienu munkatshi mua bidimu bisatu anyi bitanu. Fuanyikija bungi bua bintu (tshilejilu, metre kare menemene / metre kare ya tshisasa, tshitupa tshia muinshi mua nzubu, ne bunene bua mabaya) pamutu pa bungi bua mulongo umue.
• Tshitupa 3: Kujadika nkayebe nomba wa mukanda wa mudimu wa ditunga anyi wa polovensa: Kueyemenyi fotokopi udibu bakupeshe kudi mupanyi to. Funda nomba wa mukanda wa mudimu wa muena mudimu buludiludi mu tshibambalu tshia mudimu tshia ditunga anyi tshia polovensa .gov tshilaminu tshia bintu bua kujadika ne: mukanda wa dianyisha udi wenza mudimu, udi upetangana ne dina dia mudimu didi mu mukanda wa tshipungidi, ne kena ne tshilumbu tshia dinyoka to.
• Tshitupa 4: Lomba mukanda wa tshishimbi (COI) mutumibua buludiludi kudi tshibambalu tshia tshishimbi tshia muena mudimu: Muena mudimu yonso udi wenza mudimu pa lupangu luebe udi ne tshia kuikala ne mikanda ibidi idi yenza mudimu: Commercial General Liability Insurance (bua kufuta bintu bidibu benzela nzubu webe) ne **Workers’ Compensation Insurance (bikala muena mudimu mukuluke anyi muena mudimu mukuluke tshibandilu pa lupangu lueba, kabena mua kukufunda wewe nkayebe bua bitadi biabu bia luondapu to). Bikila tshibambalu tshia tshishimbi tshidi pa mukanda wa dianyisha bua kujadika ne: tshipungidi katshivua tshishipa dituku diakalonda dipatuka dia mukanda wa dianyisha to.
• Tshitupa 5: Kulekedi muena mudimu "alekela" anyi "angatshila" makuta ebe a assurance: Mu matunga onso, mbualu bubi anyi dishima dia mikenji bua muena mudimu kupingaja, kulekela anyi kubandisha mushinga wa makuta bua kufuta makuta a assurance a muena nzubu webe. Bena mudimu badi balaya "nzubu wa tshianana udi kayi ne tshia kufuta" badi benza malu a dishima padibu bakumbaja facture anyi bakosa bitupa bia nzubu ne bintu bia mushinga mukesa.
• Tshitupa 6: Difuta dia nzubu bilondeshile bipimu bijadika ne dikonkonona dia mikanda ya dianyisha dia kuibaka:
• Difutu dia kumpala: Kufutshi makuta mapite pa 10 too ne ku 30 pa lukama (mu matunga makuabu, bu mudi Californie, ki mbimpe bua muena mudimu wa dilongolola nzubu kulomba makuta mapite pa 10 pa lukama anyi dolare 1000 kumpala kua dîba, nansha biobi bikale bikese, kumpala kua kutuadija mudimu). Futa makuta a tshibutshilu anu padibu bafila bintu ku njila webe wa mashinyi.
• Difutu dia kumpala: Lamakaja difuta dia pankatshi ku tshipatshila, tshikebelu tshia tshimenga (bu mudi kupita dikonkonona dia tshibumba tshia mu tshimenga, dia nzembu anyi dia nzubu).
• Difutu dia ndekelu (dilama): Lama nansha 10 too ne ku 20 pa lukama wa mushinga wa tshipungidi too ne padi mudimu upita ku dikonkonona dia ndekelu dia mukanda wa dianyisha dia nzubu wa mu tshimenga, wewe mujikije liste wa malu adibu mua kuenza, ne udi upeta Dilekela dia bintu bidi ne mikalu ne bidi kabiyi ne mikalu.
• Tshitupa tshia 7: Lomba mikanda ya dianyisha kudi bena mudimu ne bafidi ba bintu kumpala kua kufuta tshia ndekelu: Bikala muena mudimu webe munene wangata makuta ebe kadi mupangile bua kufuta muena mudimu wa nzubu anyi muena mudimu wa dienza dia mayi, bantu bakuabu aba badi kabayi bafuta badi mua kufunda mukanda wa dikuba nzubu webe bilondeshile mikenji, ne udi ne bua kufuta misangu ibidi. Kumpala kua kupatula tshikebelu tshia ndekelu, lomba mikanda ya dianyisha idi ileja ne: mufidi yonso wa bintu ne muena mudimu yonso udi ku mudimu webe mmufuta makuta onso.
• Tshitupa tshia 8: Futa anu ku tsheke anyi ku karte ka mfranga, ne manya mudi tsheke ya assurance ya bantu babidi yenza mudimu: Kufutshi nansha kakese ku makuta, ku dituma dia ku Enternete, ku Zelle, ku Venmo anyi ku Cash App. Padi kumpanyi webe wa assurance ufila tshikebelu tshinene tshia dilongolola dia nzubu, pa tshibidilu tshidi tshifutshibua kudi wewe ne kudi mufidi webe wa makuta a nzubu (anyi wewe ne muena mudimu webe)**. Kuena ne tshia kuanyisha ne kupesha muena mudimu mukanda wa assurance wa bantu babidi kumpala kua mudimu kujika to; pamutu pa nanku, ela tsheke mu konte wa dilongolola dia bintu bia nzubu udi ukuambuluisha bua makuta apatuke anu kunyima kua dikonkonona dia pa nkaya.

Mikanda ya dibenga dia mêyi bua bantu badi balonda tshipepele tshikole ku nzubu ne ku nzubu ne bakonkononyi ba dishima¶

Padi muaba unudi musombele mu tshimvundu kunyima kua tshipepele tshikole, ba avocat ba ku nzubu ne ku nzubu badi bimanyina pa diyukidilangana dia lukasa bua kukupita bukole. Lama mifundu isatu eyi ya dibenga dia muaku ku muaku bua wewe kujikija muyuki mu masekonde dikumi ne atanu kuyi ne mpata:

Script 1: Bua muena mudimu wa ku nzubu ne ku nzubu udi kayi mulomba, muena mudimu wa mitshi, anyi muena mudimu wa dilongolola dia mayi¶

"Imana anu apu. Tshiena ntua tshiala pa mabeji anyi nganyisha bua kukonkonona malu ku tshiibi to, ne kakuena muntu udi muanyishibue bua kuikala pa mutu pa nzubu wanyi anyi mu njila wa mashinyi to. Tshiapu tshianyi tshia assurance tshidi tshijikija tshilumbu tshietu kudi muena mudimu wa muaba undi. Ndi nkulomba bua umbuka mu nzubu wanyi mpindieu." (Kuena mua kuitaba "dikonkonona dia nzubu dia tshianana" nansha bua dijinga dia kumanya; padibu pa mutu pa nzubu webe, udi ujimija bukokeshi bua kumona ni badi benza bibi ku budisuile.)

Script 2: Bua muntu udi wamba mudiye wa mu FEMA, mu tshimenga, anyi mu tshibambalu tshia malu a bipupu¶

*"Ndi nkusengelela bua kukuata tshimanyishilu tshieba tshia mbulamatadi tshidi ne tshimfuanyi tshia mbulamatadi too ne ku dididishi, ne ungambile nomba inayi ya ndekelu ya nomba wanyi wa difundisha dia FEMA. Ndi mbikila telefone wa diambuluisha wa FEMA ku 1-800-621-3362 mpindieu ku tshiibi tshianyi tshikanga bua kujadika mudimu webe kumpala kua kuakula." (Mukonkononyi mulelela neaindile ne disanka paudi ujadika; muena tshinyangu neafile diakamue tshilumbu ne neapingane ku mashinyi ende.)

Script 3: Bua muendeshi wa mashinyi adi akoka mashinyi kunyima kua mvula anyi tshipepele tshikole udi ulomba bua kukoka mashinyi ebe diakamue¶

"Kuelayi mashinyi anyi to. Tshiena mubikile kumpanyi wenu to, ne ndi nyukila ne muena mudimu wanyi wa assurance wa mashinyi buludiludi bua kujadika muaba udibu banyishile bua kukoka ne kulama bintu." (Mashinyi a "chaser" adi endakana mu misesu miule tente ne mayi alomba bua kukoka mashinyi adi manyanguke kudi mayi kuya nawu "muaba udi kayi ne njiwu," pashishe kukanga mashinyi mu lupangu lua muntu nkayende ne kulomba dolare 2000 too ne ku 4000 ya makuta a tshiibi kumpala kua kufila mashinyi kudi kumpanyi wenu wa assurance.)

Malu a kulonda pikala ukadi mumane kutua tshiala pa tshipungidi tshia storm-chaser anyi mufute muena tshinyangu¶

Shi wewa nansha mulela webe mukulakaje muele tshiala pa mukanda wa dilongolola dia nzubu ne nzubu mu tshikondo tshia tshimvundu mu mêba a tshimvundu kunyima kua tshipepele tshikole, anyi mufile tsheke anyi nomba wa difunda dia tshipupu kudi muntu udibu bela meji ne: mmuena dishima, udi ne malu makole a mikenji wewe muenze bualu kampanda mu mêba 72 a kumpala:

1. Wenza mudimu ne bukenji buebe bua "Cooling-Off" bua matuku 3 (anyi matuku 14) bua kuimanyika dipana dia bintu ku nzubu ne ku nzubu:
2. Mu ditunga dia États-Unis: Muinshi mua Federal Trade Commission (FTC) Cooling-Off Rule ne mikenji ya ditunga idi itangila dilomba dia nzubu, udi ne bukenji bua kumbusha tshipungidi tshionso tshia dolare 25 anyi kupita apu tshidibu batue tshiala ku nzubu kuebe (anyi muaba kayi wonso udi pambelu pa muaba wa mudimu wa mupanyi) mu matuku **3 a mudimu (ne too ne ku matuku 5 too ne ku 4 panyima pa dimanyisha tshipupu mu matunga a bungi) bua kupingaja makuta 100 pa lukama kakuyi dinyoka.
3. Mu Royaume-Uni, mu Union européenne, mu Canada, ne mu Australie: Mikenji ya bukubi bua bantu badi basumba bintu idi ifila tshikondo tshia matuku 10 too ne ku 14 bua bipungidi bia pambelu pa nzubu bidibu kabayi balomba.
4. Mushindu wa kujikija bilondeshile mikenji: Kueyemenyi dibikila dia ku telefone to. Tua tshiala ne funda dituku dia mukanda wa "Dimanyisha dia dishipa dia tshipungidi" didi dilamakaja ne tshipungidi (anyi funda mukanda muipi udi wamba ne: "Ndi nshipa tshipungidi tshifunda mu [Dituku] bilondeshile bukenji buanyi bua dishipa dia dipana dia bintu ku nzubu ne ku nzubu"), wangate foto wa dimanyisha difunda ne tshitampi tshia dîba, ne utume ku poste ku diambuluisha dia dilomba dia dilomba dia mukanda wa dianyisha** (anyi muena mudimu udi ulonda) ku adrese wa muena mudimu kumpala kua minuit ya dituku disatu dia mudimu. Tuma tshikandakanda tshibidi ku e-mail kudi muena mudimu udi utangila malu a assurance wa nzubu webe bua muena assurance webe amanye ne: kena mua kunemeka mudimu nansha umue wa diambuluisha anyi facture udibu batume kudi kumpanyi au to.
5. Lekela difuta ku banke webe anyi ubenga bitadi bia karte ka mfranga diakamue: Wewe mufile tsheke wa muntu nkayende, ubikile tshibambalu tshia malu a tshinyangu tshia banke webe diakamue bua kuela Mukenji wa kuimanyika difuta pa nimero wa tsheke ne kumanyisha konte webe bua kubenga kukudimuna ku Enternete kua ACH kakuyi dianyisha. Shi uvua mufute ku karte ka mfranga, funda tshilumbu diakamue bua dishima dia malu a dishima.
6. Kanga tshikandakanda tshieba tshia FEMA anyi tshia mbulamatadi ne PIN wa muntu nkayende pikala muntu udi ukushima muibe malu ebe: Bikala muntu mukuabu mukushime bua kukupesha nomba webe wa Social Security anyi mukufundishe mukanda wa dilomba dia tshipupu wa dishima ku diambuluisha dia adrese webe, udi mua kubikila FEMA Helpline ku nimero eyi: 1-800-621-3362 diakamue, ambila mumanyi ne: bavua benze mudimu ne dîna diebe dia dishima ne dishima ubalombe bua kuela tshimanyishilu tshiebe ku biro bia DHS bia Inspecteur général, ne kuteka Security Freeze wa tshianana pa luapolo luebe lua mfranga kudi Equifax, Experian, ne TransUnion.

Nkonko itubu bela misangu ya bungi¶

FEMA anyi mbulamatadi udi utangila malu a bipupu batuku balomba makuta anyi balomba nimero ya konte ya ku banke ku tshiibi anyi?¶

Tòo, balombodi ba mbulamatadi badi batangila malu a bipupu (kusangisha ne FEMA ne US Small Business Administration) kabatu balomba makuta nansha makese bua kutangila nzubu webe to, kabatu balomba konte webe wa ku banke, karte kebe ka mfranga anyi nomba wa Social Security ku tshiibi tshiebe to, ne kabatu baya ku nzubu ne ku nzubu bua kuangata mikanda ya dianyisha dia kumpala bua kupeta makuta to. Misangu yonso lomba bua kumona tshimanyishilu tshia mbulamatadi tshia mutangidi wa tshibambalu tshia mbulamatadi ne umulombe bua kujadika nomba wa 9 wa difunda dia tshipupu uvua mupete pauvua muenze dilomba.

Bua tshinyi tshiena mua kulekela muena mudimu wa ku nzubu ne ku nzubu udi kayi mulomba ubanda pa nzubu wanyi bua "kukonkonona tshianana"?¶

Basumbishi ba nzubu badi kabayi ne bululame badi benza mudimu ne tshilumbu tshia dikonkonona dia nzubu tshianana bua kupatuka ku mêsu kuebe ne ku budisuile bua kupanda mabue a asphalte ku bianza anyi kunyangakaja biamu bia tshiamu ne makuta anyi mipingu ya golf bua kuenza lupepele ne mabue a mvula a dishima. Kabidi, mukanda wa tablete udibu bakulomba bua kutua tshiala kumpala kua kubanda pa tshibandilu utu misangu ya bungi usokoka Assignment of Benefits (AOB) anyi tshipungidi tshia dilongolola tshidi tshibapesha bukokeshi pa difuta dia dilomba dia assurance.

Mudimu wa diambuluisha (AOB) kunyima kua tshipepele tshikole ntshinyi, ne bua tshinyi bidi ne njiwu bua kutua tshiala?¶

Difila dia bintu (AOB) i tshipungidi tshia mikenji tshidi tshifila makokeshi eba onso a assurance wa muena nzubu ne dilomba dia makuta buludiludi kudi muena mudimu mukuabu, mudimu wa mitshi anyi kumpanyi udi utangila malu a mayi. Wewa mumane kutua tshiala pa mukanda wa AOB, muena mudimu udi mua kulomba kudi muena mudimu weba wa tshishimbi mishinga mibandile kuyi muitabe, kupeta tsheke ya tshishimbi buludiludi, kulekela anyi kulekela mudimu wa dilongolola, ne mene kufunda tshilumbu anyi kuela tshipungidi tshia luibaku pa nzubu webe pikala tshilumbu tshia difuta tshijuka.

Ndi ne tshia kufuta bungi munyi kudi muena mudimu udi muanyishibue bua kulongolola nzubu kunyima kua tshipupu?¶

Kufutshi nansha kakese 100 pa lukama kumpala anyi kufuta mu makuta, ku dituma dia makuta, anyi ku diambuluisha dia programe ya difuta dia makuta bua dilongolola dia mvula anyi diumusha dia mitshi. Muena mudimu udi ne bukenji, udi ne mukanda wa mudimu udi ne bukenji bua kuenza mudimu udi ulomba makuta mapite pa 10 anyi 30 pa lukama adibu bafuta ku tsheke anyi ku karte ka mfranga padibu bafila bintu ku nzubu webe, pashishe kufuta makuta adibu bafuta bua mudimu udibu benze, ne 10 anyi 20 pa lukama ya ndekelu idibu bafuta anu padibu bajikija mudimu ne padibu bafila mikanda ya dianyisha idibu batue tshiala.

Miaba mifumina¶

• Tshibambalu tshia malu a tshimpitshimpi tshia mbulamatadi (FEMA) ne Tshibambalu tshia malu a bukubi bua ditunga tshia Inspecteur général (États-Unis): Ujadike kumpala kua wewe kueyemena: Kuanyisha balombodi ba nzubu ba FEMA ne kuepuka buivi bua malu a bantu panyima pa tshipupu.
• Tshibambalu tshia malu a mikenji (DOJ) Tshibambalu tshia malu a dishima dia bipupu (NCDF, États-Unis): Dishima dia bena mudimu panyima pa bipupu, dibandisha dia mushinga, ne mikenji ya dikumbaja dia malu a dishima dia diambuluisha dia bantu.
• Federal Trade Commission (FTC) ne Consumer Financial Protection Bureau (CFPB, United States): Ditantamena dia malu a tshimpitshimpi: Kuepuka bantu badi balonda mvula, difila dia mateyi a diambuluisha, ne dishima dia mashinyi a dipandisha.
• Biro bia malu a tshinyangu bia ditunga (NICB, États-Unis) ne Biro bia dishima dia malu a tshishimbi (IFB, Royaume-Uni): Dishima dia nzubu panyima pa tshipupu, dinyanguka dia mabue a mvula, ne mikenji ya dilongolola dia malu a mbulamatadi.
• Tshibambalu tshia malu a ditembangana ne a mishinga (CMA) ne mibelu ya bena ditunga (Royaume-Uni) / Tshibambalu tshia ditembangana ne tshia basumbishi tshia mu Australie (ACCC, Australie): Basumbishi ba bintu ba ku tshiibi panyima pa mvula mikole ne bukenji bua kujikija malu bilondeshile mikenji.

Malu adi apetangana¶

• Dishima ne dishima diandamuna dia lukasa
• Muenyi ku tshiibi, muena malu a mudimu, ne muena tshinyangu wa ku nzubu
• Kuimanyika dishima dia dituma dia makuta, tshiamu tshia or, ne makuta a tshimpitshimpi
• Dibunda dia ku Enternete ne buivi bua bumuntu
• Dibuikila dia tshisasa dia tshimpitshimpi ne dipuekesha dia mayi a munda
• Mukanda wa nomba ya tshimpitshimpi