{"id":3750,"date":"2017-03-16T22:00:00","date_gmt":"2017-03-16T21:00:00","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/pojisteni-odpovednosti-a-pad-snehu\/"},"modified":"2024-06-24T07:48:47","modified_gmt":"2024-06-24T05:48:47","slug":"pojisteni-odpovednosti-a-pad-snehu","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu"},"content":{"rendered":"<p><strong> Zima svou silou m\u016f\u017ee zkomplikovat \u017eivot ka\u017ed\u00e9mu z v\u00e1s. Mrznouc\u00ed, ale i taj\u00edc\u00ed sn\u00edh, kter\u00fd pad\u00e1 ze st\u0159ech dom\u016f dok\u00e1\u017ee zp\u016fsobit v\u00e1\u017en\u00e9 \u00farazy a obrovsk\u00e9 \u0161kody na majetku. Jste-li vlastn\u00edkem nemovitosti, m\u00e1te za takov\u00e1 rizika pr\u00e1vn\u00ed odpov\u011bdnost a pouze vy ponesete n\u00e1sledky za p\u0159\u00edpadnou nehodu. Proto je vhodn\u00e9 m\u00edt poji\u0161t\u011bn\u00ed odpov\u011bdnosti, kter\u00e9 v\u00e1s v podobn\u00e9 situaci finan\u010dn\u011b zajist\u00ed. <\/strong><\/p>\n<img decoding=\"async\" width=\"770\" height=\"496\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu-770x496.jpg\" class=\" wp-post-image wp-stateless-item\" alt=\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu\" title=\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu\" srcset=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu-770x496.jpg 770w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu.jpg 864w\" sizes=\"(max-width: 770px) 100vw, 770px\" data-image-size=\"medium\" data-stateless-media-bucket=\"wp-resources\" data-stateless-media-name=\"srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu.jpg\" \/>\n<h2>Praktick\u00e9 poji\u0161t\u011bn\u00ed pro ka\u017ed\u00e9ho<\/h2>\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti je v dne\u0161n\u00ed dob\u011b velmi \u010dasto \u017e\u00e1dan\u00e9, jeliko\u017e je praktick\u00e9 v b\u011b\u017en\u00e9m \u017eivot\u011b. Vztahuje se na \u0161kody, kter\u00e9 zp\u016fsob\u00edte nejen vy, ale tak\u00e9 \u010dlenov\u00e9 rodiny, dom\u00e1c\u00ed mazl\u00ed\u010dci nebo provoz va\u0161eho majetku. A s t\u00edm souvis\u00ed i ji\u017e zm\u00edn\u011bn\u00e9 riziko p\u00e1du sn\u011bhu ze st\u0159echy va\u0161eho domu. Pouh\u00e9 poji\u0161t\u011bn\u00ed nemovitosti v tomto p\u0159\u00edpad\u011b nesta\u010d\u00ed, jak se mnoz\u00ed myln\u011b domn\u00edvaj\u00ed.<\/p>\n<h2>Povinnost p\u0159edch\u00e1zet \u0161kod\u00e1m i s poji\u0161t\u011bn\u00edm<\/h2>\n<p>To, \u017ee m\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti je\u0161t\u011b neznamen\u00e1, \u017ee nech\u00e1te st\u0159echu va\u0161eho domu bez o\u0161et\u0159en\u00ed. V p\u0159\u00edpad\u011b \u0161kody na majetku \u010di zdrav\u00ed po v\u00e1s poji\u0161\u0165ovna m\u016f\u017ee cht\u00edt, abyste prok\u00e1zali v\u0161echny kroky, kter\u00e9 jste podnikli k zamezen\u00ed p\u00e1du sn\u011bhu a jeho ledov\u00fdch \u010d\u00e1st\u00ed. Proto je vhodn\u00e9 m\u00edt st\u0159echu zabezpe\u010denou sn\u011bhov\u00fdmi ta\u0161kami, h\u00e1ky \u010di sn\u011bholamy. A samoz\u0159ejm\u011b v zimn\u00edm obdob\u00ed pr\u016fb\u011b\u017en\u011b kontrolovat jej\u00ed stav, pop\u0159\u00edpad\u011b sn\u00edh na st\u0159e\u0161e odstranit bu\u010f vlastn\u00ed silou nebo si pozvat specializovanou firmu a nebezpe\u010dn\u00fd prostor ozna\u010dit v\u00fdstrahou.<\/p>\n<h2>Co zahrnuje poji\u0161t\u011bn\u00ed odpov\u011bdnosti?<\/h2>\n<p>Cena poji\u0161t\u011bn\u00ed se nej\u010dast\u011bji odv\u00edj\u00ed od v\u00fd\u0161e limit\u016f pojistn\u00e9ho pln\u011bn\u00ed, kter\u00e9 mohou sahat a\u017e do milion\u016f korun. D\u00e1le je cena ovlivn\u011bna rozsahem pojistn\u00e9ho kryt\u00ed. \u010c\u00e1stka v\u011bt\u0161inou zahrnuje p\u0159ipoji\u0161t\u011bn\u00ed osob a zv\u00ed\u0159at ve va\u0161\u00ed dom\u00e1cnosti a v p\u0159\u00edpad\u011b nehody je finan\u010dn\u00ed n\u00e1hrada po\u0161kozen\u00e9mu vypl\u00e1cena bez va\u0161\u00ed spolu\u00fa\u010dasti. Pojistit se m\u016f\u017eete v r\u00e1mci \u010cR nebo cel\u00e9 Evropy a vyb\u00edrat lze z velk\u00e9ho v\u00fdb\u011bru nab\u00eddek. Zavolejte si na na\u0161e <a href=\"\/\">call centrum<\/a> zku\u0161en\u00fdm makl\u00e9\u0159\u016fm pro v\u00edce informac\u00ed.<\/p>\n<h2>St\u00e1t se m\u016f\u017ee cokoliv<\/h2>\n<p>Leto\u0161n\u00ed zima n\u00e1m dok\u00e1zala, \u017ee nejen na hor\u00e1ch m\u016f\u017ee krajina vypadat jako v ilustrac\u00edch Josefa Lady. Skute\u010dnost je bohu\u017eel takov\u00e1, \u017ee sn\u00edh na st\u0159e\u0161e a led jsou p\u0159edpokladem k \u00faraz\u016fm a nehod\u00e1m. Sn\u011bhem zat\u00ed\u017een\u00fd strom spadne na majetek souseda, n\u00e1v\u0161t\u011bva uklouzne po led\u011b na va\u0161\u00ed zahrad\u011b nebo se vyd\u00e1te na hory a na sjezdovce sraz\u00edte ly\u017ea\u0159e. Bez poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1s \u0161koda m\u016f\u017ee st\u00e1t stovky, ale i statis\u00edce korun. A nejen v zim\u011b se budete pot\u00fdkat s riziky vysok\u00fdch v\u00fddaj\u016f, ka\u017ed\u00fd den ka\u017ed\u00e9ho ro\u010dn\u00edho obdob\u00ed m\u016f\u017eete ne\u00famysln\u011b rozb\u00edt drah\u00fd produkt nap\u0159\u00edklad v obchod\u011b, vytopit sousedy nebo v\u00e1\u0161 \u010dty\u0159noh\u00fd mil\u00e1\u010dek m\u016f\u017ee po\u0161kodit ciz\u00ed majetek. N\u00e1hoda si nevyb\u00edr\u00e1, pojist\u011bte se, lidov\u011b \u0159e\u010deno, \u201cna blbost\u201d a d\u011blejte v\u011bci s klidnou hlavou.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zima svou silou m\u016f\u017ee zkomplikovat \u017eivot ka\u017ed\u00e9mu z v\u00e1s. Mrznouc\u00ed, ale i taj\u00edc\u00ed sn\u00edh, kter\u00fd pad\u00e1 ze st\u0159ech dom\u016f dok\u00e1\u017ee zp\u016fsobit v\u00e1\u017en\u00e9 \u00farazy a obrovsk\u00e9 \u0161kody na majetku. Jste-li vlastn\u00edkem nemovitosti, m\u00e1te za takov\u00e1 rizika pr\u00e1vn\u00ed odpov\u011bdnost a pouze vy ponesete n\u00e1sledky za p\u0159\u00edpadnou nehodu. Proto je vhodn\u00e9 m\u00edt poji\u0161t\u011bn\u00ed odpov\u011bdnosti, kter\u00e9 v\u00e1s v podobn\u00e9 situaci finan\u010dn\u011b zajist\u00ed.<\/p>\n","protected":false},"author":5,"featured_media":3751,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[458,522,479,385,482],"class_list":["post-3750","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-povinne-ruceni","tag-pojisteni-odpovednosti","tag-skoda","tag-snih","tag-uraz","tag-zima"],"acf":{"znacka":"","model":"","objem":"","vyrobeno":"","vykon":"","velikost_1":"","velikost_2":"","velikost_3":"","velikost_4":"","roky":"","roky_velikost_1":"","roky_velikost_2":"","roky_velikost_3":"","roky_velikost_4":"","pocet_kalkulaci":0,"page_post_meta_bread":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu","page_post_meta_bread_child":"","page_post_meta_script_head":"","page_post_meta_leaving_screen":"cat"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu - Srovn\u00e1tor.cz<\/title>\n<meta name=\"description\" content=\"Bez poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1s sn\u00edh na st\u0159e\u0161e p\u0159ijde draho. Sjednejte si poji\u0161t\u011bn\u00ed odpov\u011bdnosti a u\u017e se nemus\u00edte b\u00e1t v\u00fddaj\u016f spojen\u00fdch s n\u00e1sledky spadl\u00e9ho sn\u011bhu ze st\u0159echy va\u0161\u00ed nemovitosti.\" \/>\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.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu - Srovn\u00e1tor.cz\" \/>\n<meta property=\"og:description\" content=\"Bez poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1s sn\u00edh na st\u0159e\u0161e p\u0159ijde draho. Sjednejte si poji\u0161t\u011bn\u00ed odpov\u011bdnosti a u\u017e se nemus\u00edte b\u00e1t v\u00fddaj\u016f spojen\u00fdch s n\u00e1sledky spadl\u00e9ho sn\u011bhu ze st\u0159echy va\u0161\u00ed nemovitosti.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/\" \/>\n<meta property=\"og:site_name\" content=\"Srovn\u00e1tor.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/srovnator\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-03-16T21:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-24T05:48:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"864\" \/>\n\t<meta property=\"og:image:height\" content=\"556\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Martin Dane\u0161\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Srovnator_czech\" \/>\n<meta name=\"twitter:site\" content=\"@Srovnator_czech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Martin Dane\u0161\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/\",\"url\":\"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/\",\"name\":\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu - Srovn\u00e1tor.cz\",\"isPartOf\":{\"@id\":\"https:\/\/www.srovnator.cz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu.jpg\",\"datePublished\":\"2017-03-16T21:00:00+00:00\",\"dateModified\":\"2024-06-24T05:48:47+00:00\",\"author\":{\"@id\":\"https:\/\/www.srovnator.cz\/#\/schema\/person\/46d10e971bff43faa91c35835126aa3b\"},\"description\":\"Bez poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1s sn\u00edh na st\u0159e\u0161e p\u0159ijde draho. Sjednejte si poji\u0161t\u011bn\u00ed odpov\u011bdnosti a u\u017e se nemus\u00edte b\u00e1t v\u00fddaj\u016f spojen\u00fdch s n\u00e1sledky spadl\u00e9ho sn\u011bhu ze st\u0159echy va\u0161\u00ed nemovitosti.\",\"inLanguage\":\"cs-CZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs-CZ\",\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-pad-snehu\/#primaryimage\",\"url\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu.jpg\",\"contentUrl\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/caf0ff63-pojisteni-odpovednosti-pad-snehu.jpg\",\"width\":864,\"height\":556,\"caption\":\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti a p\u00e1d sn\u011bhu\"},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.srovnator.cz\/#website\",\"url\":\"https:\/\/www.srovnator.cz\/\",\"name\":\"Srovn\u00e1tor.cz\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.srovnator.cz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs-CZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.srovnator.cz\/#\/schema\/person\/46d10e971bff43faa91c35835126aa3b\",\"name\":\"Martin Dane\u0161\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs-CZ\",\"@id\":\"https:\/\/www.srovnator.cz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5cac60568def8a68791e2b771a3394888cf55828e445636dfc99f7ccd1e1d1b8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5cac60568def8a68791e2b771a3394888cf55828e445636dfc99f7ccd1e1d1b8?s=96&d=mm&r=g\",\"caption\":\"Martin Dane\u0161\"},\"description\":\"Jsem Martin Dane\u0161, obchodn\u00ed \u0159editel Srovn\u00e1tor.cz. 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