Typhoon Caused Loss Insurance?
Typhoon belongs to the insurance liable natural disasters: car damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages damages
Vehicle damage: Vehicle damage is basically damaged
After the comprehensive reform of car insurance in 2020, car damage insurance has included water insurance liability, and the following losses caused by Typhoon are covered by compensation:
- Vehicle flooded (including the engine into the water, but note below" second lighting")
- Broken by trees, ads, wounded by falls
- Objects scratched by wind.
Largest hole: Fire twice after water. After the vehicle goes into the water after the fire again attempt to light the engine caused damage, most conditions can be rejected.
Payment process important.
- Report within 48 hoursCall the insurance company or report on the app
- Photograph for proof.Vehicle position, water line, damage area, surrounding environment (proves typhoon impact)
- Do not drive the car by yourself.When the insurance company arranges the car
- Total loss judgmentMaintenance costs exceed a certain percentage of the actual value of the vehicle
Housing and property: need to be insured in advance
- Family property riskInsurance Typehoon causes home subject, renovation, furniture household appliances loss, annual insurance usually tens to hundreds of dollars, coastal residents strongly recommend insuring
- Farm Insurance: 多数Typhoon 多发 Province份有政策性Farm Insurance, 政府补贴保费, 倒房有基础赔付
- Note that the exclusion of liability: generally does not compensate for the exposure of the property, violation of the building, some products have separate agreements in the basement.
Agriculture and operating losses
- Policy Agricultural Insurance: 水稻, 大棚, 养殖, 橡胶等在多数coastal Province份有Typhoon 责任, 受灾后 toward 承保机构和村委报灾
- Enterprise property insurance + business interruption riskFactory, Shop Typhon Loss and Stop Loss Guaranteed, Typhoon Multiple Area Enterprises Should Focus on Configuration
A reminder
Typhoon Early Warning Release After Insurance, Insurance Companies have generally "Suspension " (Suspension of Insurance New Orders in the Region) —— Insurance to buy in advance, Temporary holding of the foothold is untimely.