1. Can I claim compensation for losses caused by a typhoon? When the typhoon came, it knocked down trees and hit cars.

According to the regular claim settlement plan, no deductible will be included if the vehicle is not purchased, and 70% compensation will be paid if the vehicle is smashed. Only if the vehicle is purchased and no deductible is included, 100% compensation will be paid.

However, many insurance companies have raised their compensation standards for typhoon disasters.

Since typhoons fall into the category of natural disasters, as long as you purchase car damage insurance, all compensation will be 100% covered.

According to regulations, for vehicle losses caused by heavy rain, floods, lightning strikes, strong winds, thunderstorms, hail, fog and other weather reasons, car owners can issue meteorological disaster certificates when making claims.

"But if the meteorological phenomenon is very obvious and the scope is relatively wide, such as a relatively strong typhoon, which causes damage to many vehicles, in this case, the insurance companies do not need everyone to issue a meteorological certificate. When the typhoon comes, at home,

If there is water leakage in the house, in this case, if you have purchased property insurance, you will be compensated. The policyholder will report the insurance in time and take photos and leave evidence if necessary. However, the survey shows that this is a house that few citizens visit.

A small type of insurance. In fact, the daily premium for home property insurance is less than 1 yuan, but you can get up to hundreds of thousands of yuan in compensation after a loss. Generally speaking, ordinary property insurance covers a wide range of home properties, such as houses.

, decoration, furniture, household appliances, etc. Although precious properties such as gold, silver, jewelry, diamonds and products, jade, and jewelry are not covered by insurance, they can also be realized through additional insurance. In addition, according to the "Property Rights Law" and other regulations, the owner shall.

It is stipulated that after paying property management fees and special residential maintenance funds, the property management company should promptly perform maintenance on all parts of the owner's building, including the roof, exterior walls, and water supply and drainage facilities. If the property fails to fulfill its responsibilities for repair, maintenance, and management.

, should bear certain responsibilities for the occurrence of damage. For major natural disasters such as typhoons, the state has no legal provisions and is not a state obligation. However, considering people's livelihood, the affected people are sometimes compensated. For natural disasters, the state has issued rescue regulations. 2.

Natural Disaster Relief Regulations Chapter 1 General Provisions Article 1 In order to standardize natural disaster relief work and ensure the basic livelihood of disaster victims, these Regulations are formulated. Article 2 Natural disaster relief work follows people-oriented, government-led, hierarchical management, social mutual assistance, and self-rescue of disaster victims.

Article 3 The National Disaster Reduction Commission shall be responsible for organizing and leading the national natural disaster relief work and coordinate the implementation of major natural disaster relief activities at all levels of the people's government.

Relief work shall be undertaken by the National Disaster Reduction Committee. The relevant departments of the State Council shall carry out the work related to natural disaster relief nationwide in accordance with their respective responsibilities. The local people's governments at or above the county level or the comprehensive coordination agencies for natural disaster relief of the people's governments shall organize and coordinate this administration.

Regional natural disaster relief work. The civil affairs departments of the local people's governments at or above the county level are responsible for the natural disaster relief work in their respective administrative regions. Fourth, the relevant departments of the local people's governments at or above the county level shall carry out natural disaster relief work in their respective administrative regions.

Article 1 The people's governments at or above the county level shall incorporate natural disaster relief work into the national economic and social development plans, establish and improve financial and material support mechanisms commensurate with the needs of natural disaster relief, and integrate the natural disaster relief funds and natural disaster relief work arranged by the people's government

The funds shall be included in the fiscal budget. Article 5 Villagers' committees, residents' committees, and social organizations such as the Red Cross, charity societies, and public foundations shall assist the people's government in carrying out natural disaster relief work in accordance with the law. The state encourages and guides units and individuals to participate in natural disaster relief donations.

, volunteer services and other activities. Article 6 People's governments at all levels shall strengthen publicity and education on disaster prevention and reduction, and improve citizens' awareness of disaster prevention and avoidance and their ability to rescue and mutually rescue themselves.

Villagers' committees, residents' committees, enterprises and institutions shall, in accordance with the requirements of the local people's government and in light of their respective actual conditions, carry out publicity and popularization activities on disaster prevention and reduction emergency knowledge.

Article 7: Units and individuals that have made outstanding contributions to natural disaster relief shall be commended and rewarded in accordance with relevant national regulations.

Chapter 2 Rescue Preparations Article 8 The local people's governments at or above the county level and their relevant departments shall formulate corresponding measures in accordance with relevant laws, regulations and rules, the emergency plans of the people's governments at higher levels and their relevant departments, and the investigation of natural disaster risks in their respective administrative regions.

emergency response plan for natural disaster relief.

The natural disaster relief emergency plan shall include the following contents: (1) Natural disaster relief emergency organizational command system and its responsibilities; (2) Natural disaster relief emergency team; (3) Natural disaster relief emergency funds, materials, and equipment; (4) Natural disaster relief emergency response funds, materials, and equipment;

Early warning and forecasting of disasters and reporting and processing of disaster information; (5) Levels and corresponding measures of natural disaster relief emergency response; (6) Post-disaster emergency relief and residential housing restoration and reconstruction measures.

Article 9 People's governments at or above the county level shall establish and improve the emergency command technical support system for natural disaster relief, and provide necessary transportation, communication and other equipment for natural disaster relief work.

Article 10: The state establishes a natural disaster relief material reserve system. The civil affairs department of the State Council, together with the finance department and the development and reform department of the State Council, formulate a national natural disaster relief material reserve plan and reserve library plan, and organize their implementation.