Chikamu cheinishuwarenzi yenjodzi yevazhinji veinishuwarenzi yevaridzi vemba haivharidzi mafashama kubva kunze kwezvikonzero zvechisikigo, semadutu emvura ane simba, kana kuti akagadzirwa nevanhu, senge dhamu rakapwanyika.Inishuwarenzi chete yakanyatso kunzi mafashama, imwe inishuwarenzi yakaparadzana, inogona kudzivirira kubva kurudzi irworwo rwekuparadzwa kana kukuvara.
Inishuwarenzi yemafashama inowanzosarudzika kune varidzi vedzimba vakaiswa mudzimba munzvimbo dzinowanzoonekwa sedzisina njodzi yemafashamo.Inogona kunge iri sarudzo kune varidzi vemba vakaiswa mudzimba munzvimbo dzine njodzi yemafashamo, zvichienderana nerudzi rwechikwereti.Nekudaro, varidzi vemba vanozodikanwa kutenga inishuwarenzi yemafashama kana vakatora chikwereti kubva kune mukweretesi iyo inodzorwa nemubatanidzwa kana inshuwarisi (yakadai seFHA mortgage) uye kutenga imba munzvimbo ine njodzi yemafashamo (inozivikanwawo seMafashamo Akakosha. Nzvimbo yeHazard).Kazhinji kazhinji, muridzi wemba anotofanira kubhadhara inishuwarenzi yemafashamo gore rega rega kusvikira imba yabhadharwa.
ZVINOKOSHA ZVOKUITA
● Inishuwarenzi yemafashamu inowanzodiwa nevakweretesi vemba kana zvivakwa zviri munzvimbo dzakatarwa nehurumende dzine njodzi huru yemafashamo kana kuti nzvimbo dzine mafashamo.
● Inishuwarenzi yemafashamu mutemo wakasiyana neinishuwarenzi yevaridzi vemba, iyo isingawanzobhadharira kukuvadzwa kana kuparadzwa nemafashamo.
● Vanokweretesa vanowanzongoda inishuwarenzi yemafashamu kuti vabhadhare chivako cheimba, kunyange zvazvo vanokwereta vachikwanisawo kutenga mari yekubhadhara zvinhu zvavo nemidziyo.
● Inishuwarenzi yemafashamo inowanikwa kuburikidza nemubatanidzwa weNational Flood Insurance Program (NFIP) yevaridzi vedzimba vari munzvimbo dzine njodzi uye dzimwe nharaunda dziri kutora chikamu.
Nguva yekutumira: Jan-20-2022