미주 멘토링

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너무 억울합니다. 도와주세요!!

물방울갯수 10

9월1일 강력한허리케인으로 인해 엄청난 손해를 입었습니다. 집보험은 천재지변이라 안된다고 통보가 왔습니다. 그런데 일전에 바이든대통령이 와서 FEMA신청을 하라고 해서 했더니 실사를 나와 처참한 상황을 다 체크하고 갔습니다. 오늘 우편으로 답변을 받았습니다. 듀플렉스A,B입니다. A저는 렌트이고 B는 소유주입니다. 그런데 소유주는 2만불을 받았는데 저는 렌트라 보상이 안된다고 하네요. 너무 어처구니가 없네요. 눈물이 너무 납니다. 똑같은집에 물벼락을 받았는데 렌트는 보상이 안된다 이해가 안갑니다. 해결할수 있는 방법이 없을까요? 도와주세요!! 처음 당하는 일이라 ..

여장군 North Jersey 경제난.자금난.학비.생활비 조회수 1,742 신고 신고하기

답변하시면 내공 10점을, 답변이 채택되면 내공 10점과 물방울 10개를 드립니다.

님, 멘토가 되어 주세요.

답변하시면 내공 10점을, 답변이 채택되면 내공 10점과 물방울 10개를 드립니다.

비공개 님 답변

동별 채택 29 채택율 8.7% 질문 49 마감률 0%
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Is rental insurance required in NJ?

Renters insurance is not required by law in New Jersey, but your landlord's insurance won't cover your stuff. That means you need coverage for your belongings and injuries suffered by guests in your unit. An NJM Renters Insurance policy insures your personal property and personal liability.

렌트 하신분은 렌트 보험 따로 들으셔야 카버가 됩니다.

Is rental insurance required in NJ?

Renters insurance is not required by law in New Jersey, but your landlord's insurance won't cover your stuff. That means you need coverage for your belongings and injuries suffered by guests in your unit. An NJM Renters Insurance policy insures your personal property and personal liability.

렌트 하신분은 렌트 보험 따로 들으셔야 카버가 됩니다.

여장군

친절한 답변 감사드립니다.렌트보험 매년 들었습니다. 그런데 답변이 천재지변은 안된다고 하네요.

비공개 님

그렇다면 보험을 들으실때 천재지변 coverage는 안넣으신거 같습니다. 보통들 브로커 통해서 하시면 최대한 저렴하게 해서 팔려고 짜잘하게 넣는경우가 있습니다.

Pobay

자동차 보험이 어디신지요??? 스테이트 팜은 기본적으로 침수나 우천으로인한 피해가 가입되있습니다. 자동차 보험도 알아봐 보시는게 좋을듯합니다.

비공개 님 답변

은별 채택 66 채택율 29.3% 질문 16 마감률 0%
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https://www.fema.gov/fact-sheet/reasons-why-you-might-have-been-found-ineligible-fema


여기 천천히 읽어보시고 다시한번 클레임 해보세요.

https://www.fema.gov/fact-sheet/reasons-why-you-might-have-been-found-ineligible-fema


여기 천천히 읽어보시고 다시한번 클레임 해보세요.

여장군

감사합니다. 저는 똑같은집에저는 렌트라 보상 못받고.옆에집은 오너라 2만불 나온게 그게 이상 하다는겁니다. 일단 fema에 다시 도움을 받아 다시 우편물을 보냈습니다.

비공개 님 답변

동별 채택 0 채택율 0% 질문 0 마감률 0%
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여기서도와줄건일도업음다

꾸준히페마에신청하는게답임다

여기서도와줄건일도업음다

꾸준히페마에신청하는게답임다

여장군

감사합니다.

존재의 이유 답변

금별 채택 108 채택율 11.5% 질문 1 마감률 0%
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FEMA's Housing Assistance program is available, regardless of income, to anyone who suffered damages or losses in disaster-declared counties. However, aid for other losses such as personal property, vehicle repair or replacement, and moving and storage expenses is income-dependent and officials make decisions on a case-by-case basis.


주인은 건물의 structural damage 때문에 받은게 아닐까요.


FEMA assistance differs from insurance in that it only provides the basic needs to make a home safe, sanitary and functional.

FEMA assistance does not make you whole again, but it can give you a helping hand to recover. FEMA disaster assistance covers basic needs only and will not normally compensate you for your entire loss.


Examples of Safe, Sanitary and Functional Repairs to Make a Home Fit to Live in:

  • Property: FEMA may assist with the replacement of or repairs to disaster-damaged heating, ventilating and air-conditioning systems as well as refrigerators and stoves. Other possible repairs that may be covered are utilities such as electrical, plumbing and gas systems. Non-essential items like dishwashers and home-theater equipment are not covered.
  • Ceiling and roof damage: FEMA grants may help to repair disaster-related leaks in a roof that cause damage to ceilings and threaten electrical components, like overhead lights, but will not pay for simple stains from roof leaks.
  • Floors: FEMA assistance may be used to repair a disaster-damaged subfloor in occupied parts of the home, but not floor covering like tile or carpet.
  • Windows: FEMA payments may assist with disaster-related broken windows, but not blinds or drapes.


FEMA's Housing Assistance program is available, regardless of income, to anyone who suffered damages or losses in disaster-declared counties. However, aid for other losses such as personal property, vehicle repair or replacement, and moving and storage expenses is income-dependent and officials make decisions on a case-by-case basis.


주인은 건물의 structural damage 때문에 받은게 아닐까요.


FEMA assistance differs from insurance in that it only provides the basic needs to make a home safe, sanitary and functional.

FEMA assistance does not make you whole again, but it can give you a helping hand to recover. FEMA disaster assistance covers basic needs only and will not normally compensate you for your entire loss.


Examples of Safe, Sanitary and Functional Repairs to Make a Home Fit to Live in:

  • Property: FEMA may assist with the replacement of or repairs to disaster-damaged heating, ventilating and air-conditioning systems as well as refrigerators and stoves. Other possible repairs that may be covered are utilities such as electrical, plumbing and gas systems. Non-essential items like dishwashers and home-theater equipment are not covered.
  • Ceiling and roof damage: FEMA grants may help to repair disaster-related leaks in a roof that cause damage to ceilings and threaten electrical components, like overhead lights, but will not pay for simple stains from roof leaks.
  • Floors: FEMA assistance may be used to repair a disaster-damaged subfloor in occupied parts of the home, but not floor covering like tile or carpet.
  • Windows: FEMA payments may assist with disaster-related broken windows, but not blinds or drapes.