{"id":926682,"date":"2025-06-17T10:43:58","date_gmt":"2025-06-17T08:43:58","guid":{"rendered":"https:\/\/www.vrtulniky.sk\/news\/jak-postupovat-pri-povodni-a-jak-se-pojistit-proti-zivelnym-skodam\/"},"modified":"2025-06-17T10:43:58","modified_gmt":"2025-06-17T08:43:58","slug":"jak-postupovat-pri-povodni-a-jak-se-pojistit-proti-zivelnym-skodam","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/jak-postupovat-pri-povodni-a-jak-se-pojistit-proti-zivelnym-skodam\/","title":{"rendered":"Jak postupovat p\u0159i povodni a jak se pojistit proti \u017eiveln\u00fdm \u0161kod\u00e1m"},"content":{"rendered":"<p>Praha 17. \u010dervna 2025 \u2013 Siln\u00e9 bou\u0159ky a intenzivn\u00ed de\u0161t\u011b jsou u n\u00e1s typick\u00fdm a st\u00e1le \u010dast\u011bj\u0161\u00edm projevem letn\u00edho po\u010das\u00ed. Tyto p\u0159\u00edrodn\u00ed jevy \u010dasto vedou k povodn\u00edm a z\u00e1plav\u00e1m, kter\u00e9 zp\u016fsobuj\u00ed \u0161kody za desetitis\u00edce, ale i miliony korun.<\/p>\n<p>Specialista pro ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed ve spole\u010dnosti FinGO Tom\u00e1\u0161 Kl\u00e1pa vysv\u011btluje, co v takov\u00fdch situac\u00edch d\u011blat a jak se sna\u017eit t\u011bmto \u017eiveln\u00fdm \u0161kod\u00e1m p\u0159edej\u00edt nebo je zm\u00edrnit.<\/p>\n<h2>Jak se p\u0159ipravit a reagovat na povodn\u011b?<\/h2>\n<p>P\u0159i p\u0159\u00edchodu velk\u00e9 vody sledujte sd\u011blovac\u00ed prost\u0159edky, internetov\u00e9 zpravodajstv\u00ed a t\u0159eba i lok\u00e1ln\u00ed str\u00e1nky obce a respektujte pokyny \u00fa\u0159ad\u016f. D\u016fle\u017eit\u00e9 dokumenty, pojistn\u00e9 smlouvy a ve\u0161ker\u00e9 cennosti se sna\u017ete ulo\u017eit na bezpe\u010dn\u00e9 m\u00edsto a ochr\u00e1nit majetek p\u0159ed vodou. Pokud to nen\u00ed rizikov\u00e9, minimalizujte \u0161kody ji\u017e b\u011bhem povodn\u011b. Ale v\u017edy m\u011bjte na pam\u011bti, \u017ee va\u0161e bezpe\u010d\u00ed a ochrana zdrav\u00ed jsou nejd\u016fle\u017eit\u011bj\u0161\u00ed. Pokud je to mo\u017en\u00e9 pr\u016fb\u011b\u017en\u011b zdokumentujte \u0161kody detailn\u00edmi fotografiemi. Ty jsou p\u0159i likvidaci pojistn\u00e9 ud\u00e1losti velmi d\u016fle\u017eit\u00e9. Umo\u017en\u00ed i p\u0159\u00edpadn\u011b p\u0159ed p\u0159\u00edchodem likvid\u00e1tora n\u011bkter\u00e9 v\u011bci zlikvidovat.<\/p>\n<h2>Co d\u011blat po povodni?<\/h2>\n<p>Po opadnut\u00ed vody zajist\u011bte rychl\u00e9 od\u010derp\u00e1n\u00ed vody, odstran\u011bn\u00ed bahna a p\u0159\u00edpadn\u00fdch trosek z objektu a okol\u00ed, p\u0159i\u010dem\u017e dbejte na bezpe\u010dnost a hygienu. Zdokumentujte \u0161kody mobiln\u00edm telefonem a nahlaste \u0161kodu sv\u00e9 poji\u0161\u0165ovn\u011b. N\u00e1sledn\u011b shroma\u017e\u010fujte zni\u010den\u00e9 a po\u0161kozen\u00e9 v\u011bci pro pozd\u011bj\u0161\u00ed prohl\u00eddku likvid\u00e1torem, pokud to hygienick\u00e9 podm\u00ednky dovol\u00ed.<\/p>\n<h2>Jak nahl\u00e1sit poji\u0161\u0165ovn\u011b povod\u0148ov\u00e9 \u0161kody?<\/h2>\n<p>K nahl\u00e1\u0161en\u00ed povod\u0148ov\u00e9 \u0161kody je ide\u00e1ln\u00ed pou\u017e\u00edt online formul\u00e1\u0159 dostupn\u00fd na webov\u00fdch str\u00e1nk\u00e1ch va\u0161\u00ed poji\u0161\u0165ovny, co\u017e je nejrychlej\u0161\u00ed zp\u016fsob informov\u00e1n\u00ed o \u0161kod\u011b. Sou\u010d\u00e1st\u00ed hl\u00e1\u0161en\u00ed by m\u011bl b\u00fdt i seznam zasa\u017een\u00fdch v\u011bc\u00ed s uveden\u00edm st\u00e1\u0159\u00ed, rozsahu po\u0161kozen\u00ed a cenou. K hl\u00e1\u0161en\u00ed je dobr\u00e9 p\u0159ipravit si \u010d\u00edslo pojistn\u00e9 smlouvy, posta\u010d\u00ed ale i osobn\u00ed \u00fadaje, d\u00e1le pak kontaktn\u00ed \u00fadaje, \u010d\u00edslo \u00fa\u010dtu pro pojistn\u00e9 pln\u011bn\u00ed a fotodokumentaci po\u0161kozen\u00fdch v\u011bc\u00ed. U firem je nutn\u00e9 dolo\u017eit i \u00fa\u010detn\u00ed evidenci zasa\u017een\u00e9ho majetku. Pokud je to pot\u0159eba, je mo\u017en\u00e9 po\u017e\u00e1dat o z\u00e1lohu na pojistn\u00e9 pln\u011bn\u00ed a zcela nejd\u016fle\u017eit\u011bj\u0161\u00ed je dodr\u017eovat pokyny likvid\u00e1tora.<\/p>\n<h2>Co se d\u011bje po nahl\u00e1\u0161en\u00ed, jak prob\u00edh\u00e1 likvidace \u0161kody?<\/h2>\n<p>Po nahl\u00e1\u0161en\u00ed \u0161kody klienta obvykle kontaktuje likvid\u00e1tor nebo technik poji\u0161\u0165ovny. Podle typu a rozsahu \u0161kody se bu\u010f dohodne term\u00edn prohl\u00eddky p\u0159\u00edmo na m\u00edst\u011b anebo klient obdr\u017e\u00ed po\u017eadavek o dopln\u011bn\u00ed dokument\u016f. M\u016f\u017ee doj\u00edt ke kombinaci obou postup\u016f. Toto je velmi d\u016fle\u017eit\u00e9, a v\u010dasn\u00e1 komunikace znamen\u00e1 rychlou likvidaci a pln\u011bn\u00ed poji\u0161\u0165ovny. P\u0159i prohl\u00eddce \u0161kody by m\u011bl klient p\u0159edlo\u017eit \u00fa\u010dty pro v\u00fdpo\u010det pojistn\u00e9ho pln\u011bn\u00ed, pokud tak neu\u010dinil ji\u017e p\u0159i hl\u00e1\u0161en\u00ed. Pot\u00e9 likvid\u00e1tor posoud\u00ed n\u00e1rok a vy\u010d\u00edsl\u00ed \u0161kodu. Klient obdr\u017e\u00ed dopis s informac\u00ed o ukon\u010den\u00ed likvidace a v\u00fd\u0161\u00ed pojistn\u00e9ho pln\u011bn\u00ed zaslan\u00e9ho na \u00fa\u010det.<\/p>\n<p>\u201eTo v\u0161e se d\u011bje v p\u0159\u00edpad\u011b, kdy je klient poji\u0161t\u011bn. Ale mnoho majitel\u016f nemovitost\u00ed vlastn\u011b ani nev\u00ed, jak\u00e9 poji\u0161t\u011bn\u00ed by m\u011bli m\u00edt, aby po povodni, z\u00e1plav\u011b nebo jin\u00e9 \u017eiveln\u00ed ud\u00e1losti m\u011bli dostatek financ\u00ed na obnovu sv\u00e9ho domu, chaty nebo jin\u00e9 nemovitosti. Spr\u00e1vn\u00e9 poji\u0161t\u011bn\u00ed je nutn\u00e9 m\u00edt sjednan\u00e9 v\u010das, proto\u017ee poji\u0161\u0165ovny maj\u00ed ochranou lh\u016ftu 10dn\u016f po uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed na riziko povodn\u011b a z\u00e1plavy. Tak\u017ee pojistka na posledn\u00ed chv\u00edli, dle p\u0159edpov\u011bdi z\u00e1plav, u\u017e nen\u00ed nic platn\u00e1,\u201e dopl\u0148uje Tom\u00e1\u0161 Kl\u00e1pa z FinGO.<\/p>\n<h2>Jak\u00e9 poji\u0161t\u011bn\u00ed tedy po povodni, z\u00e1plav\u011b \u010di jin\u00e9 \u017eiveln\u00ed ud\u00e1losti pom\u016f\u017ee?<\/h2>\n<p>Je d\u016fle\u017eit\u00e9 m\u00edt vhodn\u011b sestavenou pojistnou smlouvu a spr\u00e1vn\u011b nastavenou pojistnou \u010d\u00e1stku, aby nedo\u0161lo k podpoji\u0161t\u011bn\u00ed a n\u00e1sledn\u00e9mu kr\u00e1cen\u00ed pojistn\u00e9ho pln\u011bn\u00ed. Tak\u00e9 je pot\u0159eba m\u00edt komplexn\u00ed kryt\u00ed majetku, jak nemovit\u00e9ho, tak i movit\u00e9ho. \u010cast\u00fdm probl\u00e9mem star\u0161\u00edch pojistn\u00fdch smluv toti\u017e b\u00fdv\u00e1, \u017ee lid\u00e9 maj\u00ed poji\u0161t\u011bnou nemovitost, co\u017e je podm\u00ednkou \u010derp\u00e1n\u00ed hypot\u00e9ky, ale u\u017e nemaj\u00ed poji\u0161t\u011bnou dom\u00e1cnost nebo odpov\u011bdnost za \u0161kodu.<\/p>\n<h2>Mezi poji\u0161t\u011bn\u00edm nemovitosti a dom\u00e1cnosti je rozd\u00edl? Samoz\u0159ejm\u011b!<\/h2>\n<p>\u017divly nezp\u016fsobuj\u00ed \u0161kody jen na samotn\u00fdch stavb\u00e1ch, ale v\u011bt\u0161inou i na vybaven\u00ed dom\u00e1cnosti \u2013 n\u00e1bytku, dom\u00e1c\u00edch spot\u0159ebi\u010d\u00edch, elektronice, obrazech a dal\u0161\u00edch cennostech, ale i oble\u010den\u00ed \u010di potravin\u00e1ch, kter\u00e9 maj\u00ed lid\u00e9 ve sv\u00fdch domovech. \u0160kody na t\u011bchto v\u011bcech uvnit\u0159 domu jsou v\u011bt\u0161inou fat\u00e1ln\u00ed a mohou dosahovat statis\u00edcov\u00fdch \u010d\u00e1stek, kter\u00e9 pokryje poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Naopak poji\u0161t\u011bn\u00ed nemovitosti se vztahuje na byt \u010di rodinn\u00fd d\u016fm samotn\u00fd, tedy z tohoto poji\u0161t\u011bn\u00ed se propl\u00e1cej\u00ed \u0161kody na stavebn\u00edch sou\u010d\u00e1stech, nap\u0159\u00edklad n\u00e1klady na su\u0161en\u00ed a malov\u00e1n\u00ed st\u011bn, opravy po\u0161kozen\u00fdch zd\u00ed a obklad\u016f, rozbit\u00e1 okna a podobn\u011b. Ob\u011b poji\u0161t\u011bn\u00ed poskytuj\u00ed spolehlivou ochranu i p\u0159ed bou\u0159kovou \u010dinnost\u00ed, krupobit\u00ed, \u00fadery blesku nebo p\u0159ep\u011bt\u00ed v s\u00edti. Pr\u00e1v\u011b posledn\u00ed jmenovan\u00e9 riziko hroz\u00ed \u010d\u00edm d\u00e1l \u010dast\u011bji, zejm\u00e9na proto, \u017ee \u010ce\u0161i bou\u0159ky podce\u0148uj\u00ed a podle pr\u016fzkumu spole\u010dnosti Schneider Electric sv\u00e9 spot\u0159ebi\u010de chr\u00e1n\u00ed speci\u00e1ln\u00edm za\u0159\u00edzen\u00edm p\u0159ed p\u0159ep\u011bt\u00edm jen \u010dty\u0159i lid\u00e9 z deseti.<\/p>\n<h2>Jak\u00e9 asistence a dal\u0161\u00ed slu\u017eby klient\u016fm poji\u0161\u0165ovny poskytuj\u00ed?<\/h2>\n<p>Poji\u0161\u0165ovny se sna\u017e\u00ed klient\u016fm vyj\u00edt vst\u0159\u00edc a \u010dasto poskytuj\u00ed finan\u010dn\u00ed p\u0159\u00edsp\u011bvky na n\u00e1hradn\u00ed ubytov\u00e1n\u00ed, asisten\u010dn\u00ed slu\u017eby spojen\u00e9 s hl\u00edd\u00e1n\u00edm po\u0161kozen\u00e9 nemovitosti, p\u0159evozem a uskladn\u011bn\u00edm za\u0159\u00edzen\u00ed dom\u00e1cnosti \u010di \u00faklidov\u00fdmi pracemi. U komplikovan\u011bj\u0161\u00edch likvidac\u00ed m\u016f\u017ee poji\u0161\u0165ovna vyplatit \u010d\u00e1st pen\u011bz p\u0159edem formou z\u00e1lohy, aby mohli klienti rychleji za\u010d\u00edt s opravami. \u201eI proto je velmi d\u016fle\u017eit\u00e9 v\u010das hl\u00e1sit pojistnou ud\u00e1lost, poji\u0161\u0165ovna klientovi takov\u00e9 slu\u017eby nab\u00eddnou, pokud je m\u00e1 klient ve sv\u00e9m poji\u0161t\u011bn\u00ed. Zp\u011btn\u011b se tyto slu\u017eby \u010derpaj\u00ed \u0161patn\u011b,\u201c dopl\u0148uje Tom\u00e1\u0161 Kl\u00e1pa.<\/p>\n<h2>Co d\u011blat, aby likvidace pojistn\u00e9 ud\u00e1losti prob\u011bhla co nejrychleji a bez probl\u00e9m\u016f?<\/h2>\n<p>Ur\u010dit\u011b je d\u016fle\u017eit\u00e9 pravideln\u011b kontrolovat svoji pojistnou smlouvu a ujistit se, \u017ee pojistn\u00e1 \u010d\u00e1stka, pokud je v n\u00ed uvedena, odpov\u00edd\u00e1 aktu\u00e1ln\u00edm hodnot\u00e1m majetku. Podpoji\u0161t\u011bn\u00ed je toti\u017e \u010dast\u00fdm probl\u00e9mem, a proto je vhodn\u00e9 pojistky aktualizovat alespo\u0148 jednou za 2 a\u017e 3 roky. Pravideln\u00e1 kontrola a aktualizace pojistn\u00fdch smluv je kl\u00ed\u010dov\u00e1 pro efektivn\u00ed ochranu majetku p\u0159ed \u017eiveln\u00fdmi ud\u00e1lostmi.<\/p>\n<h2>10 rad, jak postupovat p\u0159i povodni \u010di jin\u00e9 \u017eiveln\u00ed ud\u00e1losti:<\/h2>\n<ul>\n<li>Zdokumentujte \u0161kodu, jak nejl\u00e9pe dovedete.<\/li>\n<li>P\u0159ipravte si \u010d\u00edslo pojistn\u00e9 smlouvy a nahlaste \u0161kody do poji\u0161\u0165ovny co nejd\u0159\u00edve.<\/li>\n<li>Po nahl\u00e1\u0161en\u00ed \u010dekejte na instrukce od poji\u0161\u0165ovny.<\/li>\n<li>Nepodnikejte \u017e\u00e1dn\u00e9 kroky k odstran\u011bn\u00ed \u0161kod bez p\u0159edchoz\u00ed dokumentace.<\/li>\n<li>Po\u017e\u00e1dejte poji\u0161\u0165ovnu o asistenci, pokud je to pot\u0159eba.<\/li>\n<li>Zajist\u011bte d\u016fkladnou a pr\u016fb\u011b\u017enou fotodokumentaci \u0161kod.<\/li>\n<li>Dodejte poji\u0161\u0165ovn\u011b v\u0161echny vy\u017e\u00e1dan\u00e9 a \u00fapln\u00e9 podklady.<\/li>\n<li>Komunikujte s poji\u0161\u0165ovnou b\u011bhem cel\u00e9ho procesu likvidace \u0161kody.<\/li>\n<li>Uschovejte v\u0161echny \u00fa\u010dtenky a faktury za proveden\u00e9 opravy, vyfo\u0165te si je.<\/li>\n<li>Pen\u00edze od poji\u0161\u0165ovny o\u010dek\u00e1vejte do 15 dn\u00ed od ukon\u010den\u00ed \u0161et\u0159en\u00ed pojistn\u00e9 ud\u00e1losti. Pokud je to nutn\u00e9, po\u017e\u00e1dejte o z\u00e1lohu.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Praha 17. \u010dervna 2025 \u2013 Siln\u00e9 bou\u0159ky a intenzivn\u00ed de\u0161t\u011b jsou u n\u00e1s typick\u00fdm a st\u00e1le \u010dast\u011bj\u0161\u00edm projevem letn\u00edho po\u010das\u00ed. Tyto p\u0159\u00edrodn\u00ed jevy \u010dasto vedou &hellip; <\/p>\n","protected":false},"author":44,"featured_media":926681,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[687],"tags":[3067,3069,3072,3068,3070,3071,3073],"class_list":["post-926682","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pocasie","tag-fingo","tag-likvidace-skod","tag-pojisteni","tag-pojistovna","tag-povoden","tag-tomas-klapa","tag-zivelne-skody"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jak postupovat p\u0159i povodni a jak se pojistit proti \u017eiveln\u00fdm \u0161kod\u00e1m - Podnik\u00e1m, lietam a relaxujem<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.vrtulniky.sk\/news\/jak-postupovat-pri-povodni-a-jak-se-pojistit-proti-zivelnym-skodam\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak postupovat p\u0159i povodni a jak se pojistit proti \u017eiveln\u00fdm \u0161kod\u00e1m - Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"og:description\" content=\"Praha 17. \u010dervna 2025 \u2013 Siln\u00e9 bou\u0159ky a intenzivn\u00ed de\u0161t\u011b jsou u n\u00e1s typick\u00fdm a st\u00e1le \u010dast\u011bj\u0161\u00edm projevem letn\u00edho po\u010das\u00ed. 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