近日，受暴雨及洪水的影响，新南威尔士州数十个地方辖区被宣布为灾区。澳大利亚保险理事会（Insurance Council of Australia）宣布新州大部分遭受洪灾打击的地区为灾难状态。保险公司已收到将近12,000项索赔申请，预计损失超过20亿澳币。
对于水灾的风险，可能很多人觉得离自己很遥远。这往往使我们忽视自己家中的“水灾”隐患。这些隐患可能来自于屋顶受损、排水管堵塞、老旧或破损的管道以及日常家用电器，如洗衣机、洗碗机、管道式冰箱和水龙头等。
根据安达保险公司（Chubb Insurance）基于2015-2019年的家庭财产保险理赔数据分析，涉及“水”引起的理赔比例高达34%。
“水灾”不仅会对家中的地板、地毯、家具和天花板造成严重的损坏，而且往往会导致业主不得不在维修工作进行期间腾出房屋。而这期间所产生的额外生活费用，在家庭财产保险的赔付范围都非常有限。
我们为您列举了4个家中最容易产生“水灾”的原因：
1，老旧的水软管
通常使用在水龙头，马桶，洗衣机，洗碗机等地方。
2，老旧的家用电器
如洗衣机，洗碗机，冰箱等。
3，屋顶的排水沟
受到散落的树叶，树枝等造成的堵塞。如果遇到降雨天气，堵塞造成的排水不通畅容易导致水倒流从而进入屋中。
4，下水管道
类似于屋顶的排水沟，房屋的下水管道同样容易受到树叶、树枝及树根侵入造成的堵塞。
我们将在下一篇公众号文章中，分享给大家如何预防家中的“水灾”风险。
如欲了解更多关于保险及风险管理的相关信息，或任何您关注的话题，欢迎随时与我们取得联系。
Aushine Insurance Pty Ltd ABN 83 632 949 172 is an Authorised Representative 001275756 of Insurance House Pty Ltd ABN 33 006 500 072 AFSL240954
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