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以下是火灾受害者/撤离者，房屋没有损坏，如何能加速火灾保险索赔？
SONOMA, Calif. (KGO) -- Tens of thousands of people who evacuated from the lightning-sparked wildfires in the Bay Area may qualify for fire insurance payouts even if their homes escaped damage.
加州索诺玛(KGO)——在海湾地区，成千上万的人从闪电引发的大火中撤离，即使他们的房屋没有受到损失，他们也有资格获得火灾保险赔偿。
The LNU Lightning Complex Fire alone forced evacuations from the five-county area, ranging from Napa and Sonoma Counties all the way to Lake, Solano and Yolo Counties.
仅LNU闪电综合火灾就迫使5个县的居民撤离，范围从纳帕县和索诺马县一直到湖区、索拉诺县和约洛县。
Fortunately, most will be able to return to their homes.
幸运的是，大多数人将能够回到他们的家。
The Insurance Information Network advises homeowners they can get reimbursed for the cost of the evacuation.
保险信息网络建议房主，他们可以得到疏散费用的补偿。
"You may have extra expenses. If you're staying in a hotel or having to buy food that you wouldn't have normally bought," said Janet Ruiz of the Insurance Information Network.
“你可能会有额外的开支。如果你住在酒店里，或者不得不买平时不会买的食物，”保险信息网络的珍妮特·鲁伊斯说。
She says those living expenses are payable under the "loss of use coverage" of your homeowner's policy.
她说，这些生活费用可以在房主的 "loss of use coverage"下支付。
Keep all your receipts and then file your claim.
保留好你所有的收据，然后提出索赔。
Carmen Balber of Consumer Watchdog warns there are limits. "It may have a dollar cap. It doesn't mean you can go head over to the Ritz and get that covered," Balber says.
消费者监督组织的巴尔伯警告说，这是有限度的。“它可能有一个上限，但这并不意味着你可以去丽兹酒店(Ritz)就能得到赔偿，”巴尔伯说。
Unfortunately, others may discover their home has burned to the ground.
不幸的是，其他人可能会发现他们的家已被烧为平地。
Amber Magness found the home she grew up in as a child destroyed.
Amber Magness发现她小时候长大的家被毁了。
"I had a feeling. It's pretty bad. It's all flames up there," Magness said.
我有一种感觉。这是很糟糕的。上面全是火焰。”马格尼斯说。
Contact your claims adjuster immediately and remember one important thing: Don't be afraid to push back if the adjuster reaches a settlement you feel is unfair.
立即联系你的理赔员并记住一件重要的事情:如果理赔员达成了你认为不公平的和解，不要害怕拒绝。
"At the end of the day, the claims adjuster works for the insurance company, not for you," said Balber.
“要记住，理赔员是为保险公司工作的，而不是为你，”巴尔伯说。
" eople often don't realize that they negotiate and talk with their claims adjuster and their insurance company, just like you would with a contractor," Ruiz said.
鲁伊兹说:“人们常常没有意识到，他们与理赔员和保险公司进行协商和谈判，就像你与承包商谈判一样。”
Balber of Consumer Watchdog suggests not to go in and retrieve any salvageable items or begin the clean up until a claims adjuster has completed an inspection.
消费者监督机构Balber建议，在理赔员完成检查之前，不要进去取回任何可回收的物品，也不要开始清理。
"You want the claims adjuster to be there first to document the loss before you start removing items," she explained.
她解释说:“你要让理赔员先去把损失记录下来，再去移除物品。”
A reminder for all of us. It's a lot easier to document your losses if you take 30 minutes now to video tape your home and documents your possessions.
这是对我们所有人的提醒。如果你现在花30分钟录下你的家和记录你的财产，记录你的损失会容易得多。
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发表于 2020-8-27 16:35:28
发表于 2023-1-3 06:29:35