How to deal with the losses caused by typhoons?

The typhoon is a force majeure factor, so the house is damaged by the typhoon and does not need to bear the liability for compensation. If the homeowner is in financial difficulties, he can apply for subsidies from the local government. The contents of the subsidy are: disaster emergency rescue, which is used for emergency rescue and resettlement of the affected people, and to solve the temporary living difficulties such as food, clothing, housing, transportation and medical care that the affected people cannot overcome in post-disaster emergency situations. Solatium, the family of the victims, is used to pay solatium to the families of those who died in the disaster.

Transitional life assistance is used to help the affected people who have no room to live, no source of livelihood and no self-help ability because of the collapse or serious damage of the affected houses, and to solve the basic living difficulties in the transitional period after the disaster. Subsidies for the restoration and reconstruction of collapsed or damaged houses are used to help people affected by the collapse or serious damage to rebuild their basic houses, and to help people affected by the general damage to repair damaged houses. Relief funds for temporary living difficulties due to drought are used to help people with living difficulties due to drought solve basic living difficulties such as rations and drinking water. Temporary relief funds for living difficulties in winter and spring are used to help the affected people solve basic living difficulties such as food and clothing and heating during the winter and spring famine. For major natural disasters such as typhoons, the state has no legal provisions and is not an obligation of the state. However, considering people's livelihood, sometimes disasters will be compensated. For natural disasters, the state has issued rescue regulations. In order to standardize the natural disaster relief work and ensure the basic livelihood of the affected people.

The car is damaged in typhoon weather, and most of the losses can be compensated by car damage insurance, as follows:

1, the loss caused by falling objects or vehicles washed away by heavy rain belongs to the category of vehicle damage insurance;

2. Static flooding shall be compensated as "natural disaster";

3. Parking damage can be subrogated;

4, wading "all risks" does not include water-related insurance;

5. Rollover can be claimed through "Rollover Liability".

Legal basis:

People's Republic of China (PRC) Civil Code

Article 180 A person who is unable to perform his civil obligations due to force majeure shall not bear civil liability. Where there are other provisions in the law, those provisions shall prevail. Force majeure is an unforeseeable, unavoidable and insurmountable objective situation.