{"id":4426,"date":"2020-09-16T08:00:24","date_gmt":"2020-09-16T15:00:24","guid":{"rendered":"http:\/\/clackamasdev22.wpengine.com\/?p=4426"},"modified":"2025-10-02T16:58:13","modified_gmt":"2025-10-02T23:58:13","slug":"hazard-insurance-where-to-start","status":"publish","type":"post","link":"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/hazard-insurance-where-to-start\/","title":{"rendered":"Seguro contra riesgos: por d\u00f3nde empezar"},"content":{"rendered":"

Si ha sufrido da\u00f1os a la propiedad debido a incendios, recopilamos informaci\u00f3n sobre el seguro contra riesgos para ayudarlo a navegar los pr\u00f3ximos pasos.<\/h4>\n
    \n
  1. Aseg\u00farese de revisar su p\u00f3liza de seguro de propietario de vivienda para comprender la cobertura contra incendios forestales. El seguro contra riesgos generalmente cubre los da\u00f1os a su hogar y sus pertenencias, los da\u00f1os a las dependencias y, en la mayor\u00eda de los casos, los gastos de manutenci\u00f3n si su hogar es inhabitable. Dado que cada p\u00f3liza de seguro es diferente, es importante revisar su p\u00f3liza y hablar con su compa\u00f1\u00eda de seguros, especialmente ahora.<\/li>\n
  2. Presente un reclamo tan pronto como pase el peligro. Cuando hay da\u00f1os generalizados, las aseguradoras manejar\u00e1n muchas reclamaciones. Es mejor estar cerca del frente de la fila.<\/li>\n
  3. Sea completamente honesto. Cualquier fraude, omisi\u00f3n o tergiversaci\u00f3n podr\u00eda causar que se rechace su reclamo.<\/li>\n
  4. Cree una lista de inventario de propiedad da\u00f1ada y\/o destruida y comience a revisar los costos de restauraci\u00f3n y reemplazo con los contratistas. Si tiene una cotizaci\u00f3n de un contratista, sabr\u00e1 si la oferta de un ajustador de reclamos es justa.<\/li>\n
  5. Guarde toda la correspondencia de su compa\u00f1\u00eda de seguros y prestamista. Documenta cada detalle.<\/li>\n
  6. Guarde todos los recibos de gastos de manutenci\u00f3n. Si se vio obligado a desalojar su hogar y mudarse a una vivienda temporal, aseg\u00farese de documentar todos los gastos de su bolsillo porque pueden ser reembolsables.<\/li>\n
  7. Aseg\u00farese de que todas las promesas y acuerdos est\u00e9n por escrito.<\/li>\n
  8. Tenga cuidado con cerrar un reclamo demasiado pronto. Quiere estar seguro de que se tienen en cuenta todos los da\u00f1os. Puede considerar que un contratista especializado inspeccione su hogar.<\/li>\n<\/ol>\n

    Nuestros corazones est\u00e1n con muchos de nuestros miembros, personal, amigos y vecinos afectados por los incendios forestales. Estamos aqu\u00ed para servirle.<\/p>","protected":false},"excerpt":{"rendered":"

    Si ha sufrido da\u00f1os a la propiedad debido a incendios, recopilamos informaci\u00f3n sobre el seguro contra riesgos para ayudarlo a navegar los pr\u00f3ximos pasos. Aseg\u00farese de revisar sus propietarios de viviendas... Lee mas<\/a><\/p>","protected":false},"author":9,"featured_media":4440,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-4426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education"],"acf":[],"yoast_head":"\nHazard Insurance: Where to Start | Embold Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/hazard-insurance-where-to-start\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hazard Insurance: Where to Start\" \/>\n<meta property=\"og:description\" content=\"If you have suffered property damage due to fires, we put together some information about hazard insurance to help you navigate the next steps. 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