Tag nrho cov nyiaj txiag thiab tib neeg tus nqi ntawm nag xob nag cua Ian kev puas tsuaj tseem tsis tau paub, hnub tom qab nws lashed Florida, thiab tam sim no nrog cov Carolinas tshiab tawm nws txoj kev npau taws.
Tab sis txawm nrog tam sim ntawd kev tshawb nrhiav-thiab-kev cawm dim tseem muaj tshwm sim, cov kws tshaj lij hais tias twb muaj cov kauj ruam uas tib neeg tuaj yeem ua los pib lawv txoj kev ntev mus rau kev rov qab nyiaj txiag.
Txog hnub Sunday yav tsaus ntuj, cov seem ntawm Ian tau ya mus rau sab qaum teb mus rau Virginia, Maryland thiab Pennsylvania tom qab nws tau tsaws dua rau hnub Friday yav tav su ze Georgetown, SC Rov qab hauv Florida, kwv yees li 700,000 tus neeg tseem tsis muaj zog Txog rau hnub Sunday, tag nrho cov cheeb tsam ntawm lub xeev Gulf ntug dej hiav txwv tau rov qab los thiab cov neeg tuag tau nce.
Txog hnub Sunday, tsawg kawg 68 tus neeg tau lees paub tias tuag, nrog 61 hauv Florida, Associated Press tau tshaj tawm.
Hurricane Ian "yuav ua rau muaj qhov phem tshaj plaws hauv lub tebchaws keeb kwm," Thawj Tswj Hwm Joe Biden said Friday. "Nws yuav siv ntau lub hlis, xyoo los tsim kho dua."
Kev pov hwm poob tuaj yeem yog li ntawm $ 25 billion txog $ 40 billion, raws li kev kwv yees ntxov los ntawm Fitch Ratings. Tus nqi tuaj yeem nce ntxiv nyob ntawm qhov kev puas tsuaj Ian ua rau hauv Carolina, lub tuam txhab ntsuam xyuas tau sau tseg.
nag xob nag cua Katrina xyoo 2005, lub teb chaws tus nqi cua daj cua dub tshaj plaws, ua rau $ 65 nphom hauv kev pov hwm poob thaum lub sijhawm, Insurance Information Institute. Qhov ntawd yog $ 89.6 nphom hauv 2021 las, hais tias lub koom haum tshawb fawb suav nrog cov tuam txhab pov hwm kev lag luam.
Lub cua daj cua dub thib ob - rau tam sim no tsawg kawg - yog Hurricane Ida. Lub nag xob nag cua xyoo tas los no tau ploughed los ntawm South East Louisiana thiab ua rau muaj kev pov hwm poob ntawm $ 36 billion, Insurance Information Institute cov ntaub ntawv qhia.
Tab sis daim duab loj-daim ntawv pov hwm tus nqi yuav muaj teeb meem me me rau ntau tsev neeg uas tau pom lawv lub tsev nyob, lawv lub tsheb tau dej nyab tag thiab lawv lub neej tag nrho. Dab tsi yuav muaj teeb meem yog tau txais txhua lub nyiaj kawg los pib txoj kev rov qab qeeb - txhua qhov tseem ceeb dua thaum lub neej niaj hnub twb kim heev thaum lub sijhawm. kub inflation.
Yog li ntawd nws yog ib qho tseem ceeb kom nkag siab txog kev pov hwm kev pov hwm thiab cov txheej txheem kev thov nyiaj uas yuav ua ntej.
Kev puas tsuaj cua yog them los ntawm cov tswv tsev txheem, cov neeg xauj tsev thiab cov cai tuav pov hwm kev lag luam, Insurance Information Institute hais tias. Tus neeg xauj tsev txoj cai yuav them rau lawv cov khoom thaum tus tswv tsev txoj cai yuav npog cov qauv, nws tau sau tseg.
Kev tuav pov hwm dej nyab yog ib txoj cai sib txawv, thiab cov tsheb ntiav neeg caij tsheb uas raug dej nyab los yog cua daj cua dub raug them los ntawm "kev xaiv dav" feem ntawm kev tuav pov hwm tsheb, Insurance Information Institute tau sau tseg. Muaj 1.6 lab Florida cov neeg nyob nrog kev pov hwm dej nyab, raws li Tsoom Fwv Saib Xyuas Kev Tswj Xyuas Xwm Ceev.
Kev txiav txim siab qhov twg cua nres thiab kev puas tsuaj los ntawm dej nyab pib yog ib qho kev sib tw uas yuav rov tshwm sim dua, hais tias Clay Morrison, tus thawj tswj hwm ntawm National Association of Public Insurance Adjusters.
Nws tau hais tias qhov kev puas tsuaj cua tuaj yeem muaj nyob hauv cov tswv tsev cov cai, tab sis qee zaum qhov ntawd tsis yog li ntawd, nws hais. Cov neeg tuaj yeem ntiav cov neeg kho pej xeem los pab lawv khaws cov ntaub ntawv thiab pov thawj rau kev thov nyiaj pov hwm.
Morrison, tus thawj tswj hwm ntawm lub tuam txhab kho mob pej xeem, Morrison & Morrison, hais tias, "Cov teeb meem kev daws teeb meem ntawm qhov kev tshwm sim no yuav txuas ntxiv mus rau qee lub xyoo," Morrison, nrog rau nws lub hauv paus chaw ua haujlwm ze Houston thiab lwm lub chaw haujlwm hauv Florida's Panhandle.
Txawm li cas los xij, ntawm no yog cov lus qhia txog yuav ua li cas tam sim no
Pib nrog cov duab, video thiab cov ntaub ntawv. Kev kho tshiab tsis ntev los no tag nrho ntawm kev puas tsuaj yog qhov tseem ceeb, Morrison tau hais. Qhov ntawd tuaj yeem ua tiav nrog cov duab thiab yeeb yaj kiab ntawm txhua yam, suav nrog cov duab qhia tias dej siab npaum li cas, ntxiv rau cov duab lossis yees duab uas qhia txog kev puas tsuaj nyob ze ntawm tus neeg lub cuab yeej. Qhov ntawd yuav pab cov neeg tuav pov hwm pom daim duab tag nrho ntawm cov cua daj cua dub hnyav ntawm ib qho chaw.
Tuav cov ntawv luam ntawm cov duab, cov ntaub ntawv thiab cov ntawv txais nyiaj thaum muab cov ntawv luam rau cov tuam txhab tuav pov hwm kho mob thiab cov neeg ua haujlwm, Morrison tau qhia. Ua kom tiav raws li qhov ua tau taw qhia txog kev puas tsuaj thiab muaj peev xwm puas tsuaj thaum piav qhia txog qhov kev puas tsuaj rau cov neeg kho kev tuav pov hwm.
Tsis tas li ntawd, khaws ib daim ntawv teev npe hnub thiab lub sijhawm siv sib txuam ntawm kev pov hwm kev pov hwm thiab thaum lub tuam txhab hloov kho lossis cov neeg ua haujlwm tshawb xyuas qhov kev puas tsuaj, sau lawv cov lus hais txog kev puas tsuaj, nws hais.
Nws tau hais tias "Yog tias, hauv txoj kev, koj muaj kev nyuaj, koj xav qhia tus neeg nqa khoom rau lub sijhawm, koj muaj cov ntaub ntawv thiab hnub txij thaum qhov kev thov pib," nws hais. "Ib daim ntawv teev npe ntawm txhua yam uas tau tshwm sim txog tam sim no hauv kev thov yuav tsum tau khaws cia."
Tsis txhob muab pov tseg cov khoom puas lossis puas tsuaj mus txog thaum tom qab lub tuam txhab tuav pov hwm kho mob tau tshuaj xyuas nws, Morrison tau hais. Yog tias muaj kev npaj yuav pov tseg cov khoom tom qab, xyuas ua ntej nrog tus kho thiab lub tuam txhab, nws hais ntxiv.
FEMA qhia cov neeg tuav pov hwm kev pov hwm dej nyab kom tshaj tawm qhov poob rau lawv cov neeg nqa khoom sai li sai tau - thiab nug txog cov nyiaj them ua ntej. Yog tias tib neeg xav tau kev pab nrhiav lawv tus neeg nqa khoom, FEMA hais tias lawv tuaj yeem hu rau 877-336-2627. Floodsmart.gov kuj yog ib qho chaw los piav qhia thawj kauj ruam ntawm kev thov, FEMA sau tseg.
Lwm qhov chaw los pib txheej txheem rov qab yog: DisasterAssistance.gov los yog 800-621-3362, raws li rau FEMA.
Ua qhov zoo tshaj plaws ntawm kev tswj kev puas tsuaj. Yog tias muaj qhov nyob hauv tsev lossis lwm yam kev puas tsuaj uas ua rau muaj cov khoom pov hwm pov hwm rau cov khoom, tib neeg "yuav tsum tau ua cov kauj ruam tsim nyog los tiv thaiv kev puas tsuaj ntxiv," Morrison hais. Qhov ntawd tuaj yeem yog tarps lossis txoj kev sib khi ib ntus, nws hais.
Qhov no tsis tau txhais hais tias tsis quav ntsej cov tub ceev xwm thiab nkag mus rau hauv lub tsev uas tseem nyob hauv thaj chaw txaus ntshai, thiab nws tsis txhais hais tias sim kho tsev txaus ntshai.
Morrison tau hais tias "tsim nyog" yog lo lus ua haujlwm. "Koj yuav tsum tau qhia kev ntseeg zoo rau yam tsawg kawg kom tiv thaiv kev puas tsuaj ntxiv."
Yuav xav li cas rau cov neeg ntiav neeg sab nraud pab. Ntau tsev neeg tsuas yog ua haujlwm ncaj qha nrog lawv cov tuam txhab tuav pov hwm kom xa daim ntawv thov, tau txais daim tshev thiab pib mus rau lawv lub neej. Tab sis qee zaum txoj haujlwm yuav hnyav dhau, nyuaj thiab ntws tawm.
Morrison tau hais tias "Feem ntau, cov neeg hloov kho pej xeem tuaj rau hauv cov txheej txheem thaum muaj kev pov hwm tau ntsib kev poob thiab poob siab," Morrison tau hais.
Yog hais tias ib tug neeg qhov muag sab nraud pab, Morrison hais tias lawv yuav tsum nrhiav cov neeg uas muaj kev paub ntau xyoo thiab nco ntsoov tus nqi dav dav yog nyob ib ncig ntawm 10% ntawm cov nyiaj thov.
Cov xeev tau teeb tsa tus nqi thiab cov nqi yuav txawv saum toj thiab hauv qab, tab sis 10% yog kwv yees li tus nqi taw tes, nws hais. Hauv Florida, piv txwv li, cov neeg hloov kho pej xeem thaum lub xeev tau tshaj tawm tias muaj xwm txheej ceev muaj lawv cov nqi them ntawm 10% ntawm tus nqi thov.
10% cap yog nyob rau hauv qhov chaw "rau ib xyoos tom qab tshaj tawm rau thawj zaug thov rau kev puas tsuaj los ntawm qhov kev puas tsuaj," raws li Florida Department of Financial Services' Division of Consumer Services, uas sau cov nqi tuaj yeem sib tham.
Thaum muaj xwm txheej ceev tsis tau tshaj tawm, cov neeg hloov kho pej xeem tuaj yeem them tus nqi siab tshaj 20% ntawm qhov kev thov, raws li kev faib thiab Florida Association of Public Insurance Adjusters. Lub koom haum, uas cov tswv cuab raug tso cai thiab sib koom ua ke, qhia cov neeg siv khoom muaj peev xwm kom paub tseeb tias daim ntawv tso cai hloov kho thiab kev teem caij mus txog rau lub xeev Florida.
Rau cov tsev neeg tau nyiaj tsawg thiab cov zej zog muaj kev pheej hmoo, cov kev cov nyom tuaj yeem loj dua. Cov tsev neeg muaj nyiaj muaj txiaj ntsig tuaj yeem muaj nyiaj ntsuab thiab nag-hnub cov peev txheej los txheeb xyuas cov kauj ruam tom ntej nrog cov ntawv pov hwm thiab tsoomfwv cov ntaub ntawv, uas tsis yog rau txhua tus, hais tias Sarah Saadian, tus lwm thawj coj ntawm tsoomfwv txoj cai lij choj thiab thaj chaw ua haujlwm ntawm National Low Income Housing Coalition. .
Qhov no siv rau cov tsev neeg tau nyiaj tsawg, tab sis kuj muaj qee cov neeg laus thiab cov neeg xiam oob qhab. Saadian tau hais tias "Yuav ua li cas yog cov neeg muaj txoj sia nyob nrog qhov xav tau loj tshaj plaws ntsib cov teeb meem loj tshaj plaws hauv kev tau txais cov peev txheej uas lawv xav tau los tsim kho dua," Saadian hais ntxiv, lawv tuaj yeem ntsib cov tsev nyob tsis ruaj khov tom qab.
Lub National Low Income Housing Coalition ua tus thawj coj Kev Pabcuam Kev Puas Tsuaj Rau Kev Puas Tsuaj, suav nrog kwv yees li 850 lub koom haum hauv zos, xeev thiab lub tebchaws uas tau kawm paub yuav ua li cas pab cov neeg muaj kev pheej hmoo tom qab kev puas tsuaj ntuj tsim.
Ib lub ntsiab lus tseem ceeb uas yuav tsum nco ntsoov yog lub sijhawm rau kev pabcuam kev cai lij choj dawb hauv bureaucracy txuas nrog tsoomfwv pab daws teebmeem, nws hais. Piv txwv li, nyob rau hauv rooj plaub uas FEMA tsis kam txais kev pab nyiaj txiag, tej zaum nws yuav tsis qhia meej txog cov laj thawj tsis kam lees - tab sis cov kws lij choj uas tau daws cov txheej txheem kev puas tsuaj rov qab los yuav muaj kev paub paub txog dab tsi ntxiv cov ntaub ntawv thiab cov ntaub ntawv FEMA xav tau.
(Lub koom haum tsis teb tam sim ntawd rau kev thov tawm tswv yim.)
Florida muaj ib array ntawm cov koom haum pab kev cai lij choj thiab pro bono tej yaam num, raws li Florida Bar Foundation. Nov yog lwm qhov chaw: National Disaster Legal Aid Resource Center, qhov twg tib neeg tuaj yeem pib nrhiav kev pab raws cai.
Tau qhov twg los: https://www.marketwatch.com/story/hurricane-ian-devastated-your-home-heres-the-important-first-steps-for-disaster-relief-and-insurance-claims-11664631642?siteid= yhoof2&yptr=yahoo