Everyone knows that rainstorm is an irresistible natural disaster. If the house collapses due to heavy rain, the first thing you should consider is whether you have property insurance. If so, you can ask the insurance company for compensation.
Some people may not understand what property insurance is. You should think back on this question, because the policies in each place are different. Some places mobilize the masses to buy insurance by themselves, and some local governments or village committees collectively buy insurance to understand for themselves. If you are insured, then the insurance company is responsible for compensation and needs to communicate with the insurance company to solve it. If it is handled by the village Committee, you can directly consult the village Committee for details. If you don't have insurance, if your house collapses and you don't live in a place caused by natural disasters such as rainstorm, don't panic. You can report to the relevant departments and apply for assistance instead of compensation. This concept needs clarification.
Because, from a legal point of view, the damage to houses caused by heavy rain cannot be compensated by the state, which belongs to force majeure, natural disasters and does not belong to the scope of the state compensation law.
This is an application for assistance, and the state can give certain assistance measures to damaged houses. The Regulations on Natural Disaster Relief in laws and regulations stipulates that the principles of government-led, hierarchical management, social assistance and victims' self-help should be followed. The state can give some relief subsidies according to the actual situation to help the victims tide over the difficulties. There is also a compensation situation, that is, looking for a construction unit. Because the house has quality problems, which is one of the factors leading to the collapse of the house. You can ask the construction unit for compensation. However, the compensation standards vary from place to place, so it is suggested to entrust a lawyer to sue for compensation and calculate the relevant compensation amount. China's law "Regulations on Natural Disaster Relief" mentioned that after the danger of natural disasters is eliminated, families with real difficulties in recovery and reconstruction can be given key assistance and can apply for government subsidies. If there is a problem with the quality of the house and the house collapses, claim compensation from the construction unit.
On the issue of compensation, to sum up, the relevant process is as follows (premise: insurance compensation must have property insurance):
When submitting a claim, it is necessary to describe the accident and the damage to the house in detail, and provide evidence such as photos or videos. Finally, the insurance company will send someone to evaluate the claim. Evidence can be provided in the following ways: photos, videos, witness statements or professional reports to prove the reasons why the house was washed away.
If you have reason to believe that the house was destroyed due to defects in buildings or land, you can seek the advice of architects and engineers. They can provide professional reports to support your claim. If you think that the house was washed away due to the fault or negligence of a third party, it is recommended to consult and hire a lawyer. They will help you draft a claim for compensation. Regarding the application for relief funds, the relevant procedures are as follows:
The applicant brings relevant materials to the village and community convenience service center to apply; Then, the window staff of the village and community convenience service center will conduct a preliminary examination of the materials, and those that meet the requirements will be accepted and a receipt will be issued; If there is no objection to the appraisal or the appraisal cannot be established, the agent shall sign and seal the approval form for natural disaster relief funds, and submit the relevant materials to the town and street.
Town, street staff to review the materials, in line with the conditions, the agent in the "natural disaster relief funds approval form" signed and sealed, the relevant materials into the envelope, the circulation of the District Civil Affairs Bureau.
Finally, the Civil Affairs Bureau will re-examine the materials. If the materials meet the requirements, the affected objects will be randomly selected, and the rescue objects and the amount of assistance will be publicized in villages, communities, towns and streets for 7 days. If there is no opinion, the aid will be paid.
Individuals who fill in the Approval Form for Living Relief Funds for Natural Disasters and submit relevant materials need to prepare:
Original and photocopy of the applicant's ID card and household registration book 1 copy; 1 individual application (explain the reasons for application); Photos of village affairs publicity and copies of minutes of village affairs appraisal meetings; At least one photo of the damaged house; Copy of passbook or bank card of the applicant's rural commercial bank.
Therefore, in addition to considering the above two compensation methods, the government will also provide assistance according to the actual situation. The state will not ignore the affected areas, but the principle of subsidies is generally: people build their own houses, supplemented by appropriate government subsidies. Therefore, in addition to applying for relevant subsidies, we have to move and repair the house. After all, life goes on.