With the onset of warm days in daily reports there were reports of terrible natural disasters – floods, fires. And they are getting bigger. Over the past 20-30 years on many rivers of the country stopped oil spills, and “meadows” – first annually flooded floodplain lands – instantly covered with houses and even multistory residential buildings.
At organized construction builders usually hope for governing the ability of specially created engineering structures, dams, weirs, pump stations, but they are not unlimited. And when the spontaneous development owners only hope for the best.
What do the victims, if trouble came? Waiting for help from the state. Indeed, the General rule on state aid in emergency situations in the relevant law is. But if you read it in the context of all applicable laws, including the budget, that, summarizing, we can say: the state of opportunity. In the “fat” years, building new homes, provides housing certificates in the crisis – money in the target reserves of the budgets of all levels can simply no. And this is especially true for 2020. Therefore, in fire-dangerous regions in this year should be especially carefully prepare for the fire season.
There is a universal recipe for salvation. Every year increases the number of insured housing, but its share is still hovering around 10 percent. It is insurance – ideal for anyone who is able to buy insurance policy. If you gather a group of property owners insuring the property in the same village, they can count on a substantial discount.
And the government washes its hands? On the contrary! Two thousand twentieth – first full year of the new law on insurance against emergencies. A model for the entire country is a the insurance program apartments, for many years successfully working in Moscow. Died apartment, get another. Not a mansion, but you can live. Moderate because of the huge coverage the insurance rate is included in monthly receipts for utilities. The owner is not required to go to conclude the insurance contract in the insurer’s office. Paid receipt together with the insurance rate – flat of the insured, paid the without insurance rate – so refused. All completely voluntary. The set of insured risks according to the new Federal law is established by the local authorities. It is clear that in regions with a greater likelihood of disasters, the rate will be higher. But most importantly – the insurer will not have to fear that the insurer will go bankrupt. Almost all collected at the country means listed in the national reinsurance company, established by the Central Bank. And already from it are distributed to affected regions. Moreover, the postradushie from emergencies, citizens will have the opportunity to get help from two sources from the insurer according to the insurance terms and directly from local or regional budget, in accordance with its capabilities. In any case, the new system is constructed in such a way that the funds received in either end of the country will actually purchase a new roof over your head. If you want a larger refund, as before, it is recommended to conclude the individual insurance contracts.
