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expenses\u300d(\u66ff\u4ee3\u751f\u6d3b\u8cbb\u7528)\uff0c\u8acb\u76f8\u61c9\u5730\u9032\u884c\u9810\u7b97\u3002 \u554f\uff1a\u4fdd\u96aa\u7d22\u8ce0\u9032\u884c\u671f\u9593\u505a\u4ec0\u9ebc\uff1f \u7b54\uff1a\u8a18\u65e5\u8a18\u5f88\u91cd\u8981\u3002 \u8a18\u9304\u8207\u4f60\u4fdd\u96aa\u516c\u53f8\u7684\u6bcf\u4e00\u6b21\u6703\u8b70\u3001\u96fb\u8a71\u3001\u96fb\u5b50\u90f5\u4ef6\u548c\u4fe1\u4ef6\u3002\u8a18\u9304\u65e5\u671f\u3001\u6642\u9593\u3001\u540d\u5b57\u548c\u627f\u8afe\u3002 \u7d93\u7d00\u4eba\u548c\u8abf\u7406\u4eba\u90fd\u662f\u4eba\u3002\u4ed6\u5011\u53ef\u80fd\u6703\u88ab\u8655\u7406\u592a\u591a\u7684\u7d22\u8ce0\u58d3\u5f97\u5598\u4e0d\u904e\u6c23\u3002\u6240\u4ee5\uff0c\u6709\u4e9b\u4e8b\u60c5\u53ef\u80fd\u6703\u88ab\u5ffd\u8996\uff0c\u932f\u8aa4\u96e3\u514d\u6703\u72af\u3002\u901a\u904e\u5c0d\u6574\u500b\u904e\u7a0b\u3001\u4f60\u5728\u4f60\u4fdd\u55ae\u4e2d\u4eab\u6709\u7684\u6b0a\u5229\u4ee5\u53ca\u8ab0\u8655\u7406\u54ea\u4e9b\u4e8b\u60c5\u9032\u884c\u5f88\u597d\u7684\u8a18\u9304\uff0c\u4f60\u53ef\u4ee5\u7cfe\u6b63\u932f\u8aa4\u3002 \u9019\u662f\u4e00\u500b\u6709\u60c5\u7dd2\u7684\u904e\u7a0b\uff0c\u4f46\u4f60\u61c9\u8a72\u5c07\u4fdd\u96aa\u7d22\u8ce0\u8996\u70ba\u5546\u696d\u4ea4\u6613\u9032\u884c\u8655\u7406\u3002\u5728San Francisco\uff0c\u4e00\u500b\u540d\u70baUnited Policyholder\u7684\u7dad\u6b0a\u7d44\u7e54\u9019\u6a23\u8aaa\uff1a\u300c\u7d66\u4f60\u7684\u4fdd\u96aa\u516c\u53f8\u4e00\u500b\u505a\u6b63\u78ba\u4e8b\u60c5\u7684\u6a5f\u6703\uff0c\u4f46\u4e0d\u8981\u628a\u4e00\u500b\u53cb\u597d\u7684\u4ee3\u8868\u932f\u7576\u6210\u670b\u53cb\u3002\u300d \u554f\uff1a\u8ab0\u652f\u4ed8\u5ee2\u589f\u6e05\u9664\u8cbb\u7528? \u7b54\uff1a\u4f60\u7684\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u70ba\u4f60\u652f\u4ed8\u3002 \u6211\u5011\u767c\u73fe\u623f\u4e3b\u4fdd\u55ae\u901a\u5e38\u8986\u84cb\u5ee2\u589f\u6e05\u7406\u3002\u6709\u6642\u5b83\u5728\u50cf\u300cadditional coverage\u300d\u9019\u6a23\u6b04\u76ee\u4e0b\u3002\u67e5\u770b\u4e00\u4e0b\u4f60\u7684\u4fdd\u55ae\u3002\u800c\u4e14\uff0c\u5728\u82b1\u4f60\u81ea\u5df1\u4efb\u4f55\u4e00\u5206\u9322\u4e4b\u524d\uff0c\u5411\u4e00\u500b\u7d93\u7d00\u4eba\u77ad\u89e3\u9019\u500b\u904e\u7a0b\u3002 \u53e6\u5916\uff0c\u4e0d\u8981\u6025\u65bc\u6e05\u7406\u3002Insurance Information Institute\u544a\u8a34\u6211\u5011\uff0c\u5728\u4e00\u540d\u8abf\u7406\u4eba\u52d8\u5bdf\u8ca1\u7522\u524d\uff0c\u53d7\u5bb3\u8005\u4e0d\u61c9\u8a72\u79fb\u9664\u4efb\u4f55\u6771\u897f\u3002\u6254\u6771\u897f\u592a\u5feb\u53ef\u80fd\u6703\u6253\u4e82\u4f60\u7684\u7d22\u8ce0\u3002 \u554f\uff1a\u6211\u7684\u4fdd\u96aa\u7d22\u8ce0\u9700\u8981\u591a\u9577\u6642\u9593?.\u00a0 \u7b54\uff1a\u53ef\u80fd\u8981\u8d85\u904e\u4e00\u500b\u6708\u3002 \u4e00\u65e6\u8abf\u7406\u4eba\u52d8\u5bdf\u4e86\u4f60\u7684\u8ca1\u7522\uff0c\u4e26\u4e14\u4f60\u5b8c\u6210\u4e86\u4e00\u4efd\u53eb\u505a\u300cproof of claim\u300d(\u7d22\u8ce0\u8b49\u660e)\u7684\u8868\u683c\uff0c\u90a3\u9ebc\u5dde\u6cd5\u5f8b\u7d66\u4e88\u4fdd\u96aa\u516c\u53f840\u500b\u65e5\u65e5\u5929\u6642\u9593\u4e88\u4ee5\u66f8\u9762\u7b54\u5fa9\u3002\u5b83\u53ef\u4ee5\u63a5\u53d7\u4f60\u7684\u7d22\u8ce0\u3001\u62d2\u7d55\u4f60\u7684\u7d22\u8ce0\u6216\u8005\u5169\u8005\u517c\u800c\u6709\u4e4b\u3002 \u5982\u679c\u4f60\u7d22\u8ce0\u7684\u4efb\u4f55\u90e8\u5206\u88ab\u99c1\u56de\uff0c\u6cd5\u5f8b\u8981\u6c42\u4fdd\u96aa\u516c\u53f8\u63d0\u4ea4\u4e00\u4efd\u91d1\u984d\u9673\u8ff0\u548c\u539f\u56e0\u89e3\u91cb\u3002\u5982\u679c\u572840\u5929\u6642\u9593\u88cf\u5b58\u5728\u554f\u984c\u6216\u5ef6\u8aa4\uff0c\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u544a\u8a34\u4f60\u2014\u2014\u4ee5\u66f8\u9762\u65b9\u5f0f\u2014\u2014\u4e26\u6bcf30\u5929\u5411\u4f60\u66f4\u65b0\u4e00\u6b21\u3002\u2026","rel":"","context":"In &quot;\u623f\u5730\u7522&quot;","block_context":{"text":"\u623f\u5730\u7522","link":"https:\/\/newsforchinese.com\/v3\/category\/realestate\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/10\/Wildfire-600X400.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/10\/Wildfire-600X400.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/10\/Wildfire-600X400.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":190160,"url":"https:\/\/newsforchinese.com\/v3\/2020\/10\/03\/%e5%8a%a0%e5%b7%9e%e7%81%ab%e7%81%bd%e4%bf%9d%e9%9a%aa%ef%bc%9a%e5%a6%82%e4%bd%95%e7%94%b3%e8%ab%8b%e7%81%ab%e7%81%bd%e6%90%8d%e5%a4%b1%e7%90%86%e8%b3%a0%ef%bc%9f\/","url_meta":{"origin":284785,"position":4},"title":"\u52a0\u5dde\u706b\u707d\u4fdd\u96aa\uff1a\u5982\u4f55\u7533\u8acb\u706b\u707d\u640d\u5931\u7406\u8ce0\uff1f","author":"Raymond","date":"October 3, 2020","format":false,"excerpt":"\u81ea2015\u5e74\u4ee5\u4f86\uff0c\u52a0\u5dde\u706b\u707d\u4fdd\u96aa\u7406\u8ce0\u7533\u8acb\u6578\u91cf\u6fc0\u589e\uff0c\u52a0\u5dde\u4e00\u76f4\u5728\u8207\u6b77\u53f2\u4e0a\u6700\u5177\u7834\u58de\u6027\u7684\u91ce\u706b\u4f5c\u9b25\u722d\u3002\u6700\u8fd1\u7684\u201c\u5c71\u8c93\u201d\u5927\u8ca8\uff0c\u4e5f\u4f7f\u7121\u6578\u5bb6\u5ead\u5728\u5e7e\u5929\u4e4b\u5167\u5c31\u5931\u53bb\u4e86\u81ea\u5df1\u7684\u623f\u5c4b\u548c\u73cd\u8cb4\u7684\u571f\u5730\uff0c\u6574\u500b\u793e\u5340\u56e0\u7a81\u5982\u5176\u4f86\u7684\u640d\u5931\u800c\u6eff\u76ee\u7621\u75cd\u3002 \u6211\u5011\u4e00\u8d77\u6230\u9b25\uff0c\u4e00\u8d77\u54c0\u60bc\uff0c\u4e00\u8d77\u6e05\u7406\uff0c\u4e00\u8d77\u91cd\u5efa\u5bb6\u5712\u3002\u5728\u9019\u904e\u7a0b\u7576\u4e2d\uff0c\u5f88\u591a\u4eba\u90fd\u5728\u8a62\u554f\u5982\u4f55\u7533\u8acb\u706b\u707d\u7406\u8ce0\uff1f\u4fdd\u96aa\u516c\u53f8\u60e1\u610f\u62d2\u4ed8\u53c8\u8a72\u5982\u4f55\u61c9\u5c0d\uff1f \u912d\u535a\u4ec1\u5f8b\u5e2b\u8868\u793a\uff0c\u5f88\u591a\u4eba\u8cfc\u8cb7\u4e86\u4fdd\u96aa\u8a08\u5283\uff0c\u70ba\u7684\u662f\u514d\u53d7\u91ce\u706b\u7b49\u610f\u5916\u707d\u96e3\u5e36\u4f86\u7684\u50b7\u5bb3\u3002\u4f46\u662f\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u76ee\u7684\u662f\u725f\u5229\uff0c\u7576\u9047\u5230\u5927\u91cf\u4fdd\u96aa\u7d22\u8ce0\u6642\uff0c\u4ed6\u5011\u5e38\u5e38\u6703\u60f3\u65b9\u8a2d\u6cd5\u4f86\u9650\u5236\u7d66\u53d7\u4fdd\u4eba\u7684\u8ce0\u511f\u91d1\u984d\u3002\u9019\u4e0d\u50c5\u4e0d\u9053\u5fb7\uff0c\u800c\u4e14\u4ed6\u5011\u9019\u6a23\u901a\u5e38\u4e5f\u662f\u975e\u6cd5\u7684\u3002 \u4fdd\u96aa\u516c\u53f8\u77e5\u9053\uff0c\u4ed6\u5011\u5728\u8207\u53d7\u4fdd\u4eba\u6253\u4ea4\u9053\u65b9\u9762\u5177\u6709\u7d55\u5c0d\u512a\u52e2\u3002\u4fdd\u55ae\u7684\u7e41\u6587\u7e1f\u7bc0\u8b93\u4eba\u56f0\u60d1\u7121\u6bd4\uff0c\u4ed6\u5011\u4f7f\u53d7\u4fdd\u4eba\u4e0d\u5f97\u4e0d\u7d93\u6b77\u7e41\u7463\u7684\u7a0b\u5e8f\u624d\u80fd\u6700\u7d42\u62ff\u5230\u8ce0\u511f\uff0c\u6216\u62d6\u5ef6\u8ce0\u6b3e\uff0c\u6709\u6642\u751a\u81f3\u9084\u60f3\u76e1\u8fa6\u6cd5\u62d2\u4fdd\u3002\u6240\u6709\u7684\u9019\u4e9b\u505a\u6cd5\u5728\u52a0\u5dde\u90fd\u662f\u9055\u6cd5\u7684\uff0c\u9047\u5230\u6b64\u985e\u554f\u984c\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u6709\u7d93\u9a57\u7684\u5f8b\u5e2b\u4f86\u5354\u52a9\u60a8\uff0c\u78ba\u4fdd\u4fdd\u96aa\u516c\u53f8\u7406\u8ce0\u3002 \u5982\u4f55\u7533\u8acb\u706b\u707d\u640d\u5931\u7406\u8ce0\uff1fHOW TO FILE FOR WILDFIRE LOSSES \u7533\u8acb\u52a0\u5dde\u706b\u707d\u4fdd\u96aa\u7406\u8ce0 \u5f9e\u4fdd\u55ae\u89d2\u5ea6\u4f86\u770b\uff0c\u63d0\u51fa\u706b\u707d\u4fdd\u96aa\u7d22\u8ce0\u5c31\u50cf\u662f\u91dd\u5c0d\u4efb\u4f55\u5176\u4ed6\u91cd\u5927\u640d\u5931\u63d0\u51fa\u7d22\u8ce0\u4e00\u6a23\uff0c\u5982\u51fa\u4e00\u8f4d\u3002\u4f46\u662f\uff0c\u52a0\u5dde\u706b\u707d\u4fdd\u96aa\u7d22\u8ce0\u7533\u8acb\u7684\u9f90\u5927\u6578\u91cf\uff0c\u53ef\u80fd\u6703\u51fa\u73fe\u7406\u8ce0\u5ef6\u9072\u7684\u60c5\u6cc1\uff0c\u4e26\u4f7f\u6d41\u7a0b\u66f4\u5177\u6311\u6230\u6027\u3002\u4ee5\u4e0b\u7533\u8acb\u706b\u707d\u4fdd\u96aa\u7406\u8ce0\u7684\u4e00\u4e9b\u5efa\u8b70\uff0c\u4f9b\u5927\u5bb6\u53c3\u8003\uff1a 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\u4fdd\u7559\u6240\u6709\u8207\u758f\u6563\u3001\u5f37\u5236\u9077\u79fb\u3001\u8ca1\u7522\u7dad\u4fee\u548c\u56e0\u706b\u707d\u800c\u5fc5\u9808\u66f4\u63db\u7684\u7269\u54c1\u6709\u95dc\u7684\u6536\u64da\u3002 \u4fdd\u7559\u8207\u4fdd\u96aa\u516c\u53f8\u7684\u6240\u6709\u5f80\u4f86\u4fe1\u4ef6\u3002\u5982\u679c\u60a8\u4e4b\u5f8c\u9700\u8981\u5f8b\u5e2b\u7684\u5e6b\u52a9\u4f86\u7533\u8acb\u7d22\u8ce0\uff0c\u90a3\u9ebd\u8b49\u660e\u4fdd\u96aa\u516c\u53f8\u884c\u70ba\u4e0d\u7576\u7684\u66f8\u9762\u8b49\u64da\uff0c\u5c07\u5c0d\u60a8\u7684\u7406\u8ce0\u8d77\u5230\u91cd\u8981\u4f5c\u7528\u3002 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3.\u6aa2\u67e5\u4fdd\u55ae\u78ba\u5b9a\u662f\u5426\u9084\u63d0\u4f9b\u5176\u4ed6\u5229\u76ca\uff0c\u6bd4\u5982\uff1a\u652f\u4ed8\u6d88\u6bd2\u6210\u672c\u3001\u516c\u95dc\u8cbb\u7528\u3001\u6216\u6703\u8a08\u4f86\u8a08\u7b97\u60a8\u7684\u7d93\u6fdf\u640d\u5931 \u4e8b\u5be6\u4e0a\uff0c\u76ee\u524d\u6709\u591a\u5bb6\u4fdd\u96aa\u516c\u53f8\u7684\u5546\u696d\u8ca1\u7522\u4fdd\u96aa\u4fdd\u55ae\u4e2d\u4e26\u6c92\u4e0d\u542b\u75c5\u6bd2\u6392\u9664\u689d\u6b3e\uff0c\uff08\u4f8b\u5982\uff1aAspen American Insurance Company, Auto Owners Insurance Company, certain underwriters at Lloyd's London (Beazley Insurance), Cincinnati Insurance, Erie Insurance Company, Society Insurance, and State Farm Fire and Casualty Insurance 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