{"id":5111,"date":"2021-06-27T08:15:24","date_gmt":"2021-06-27T06:15:24","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/"},"modified":"2024-06-24T07:51:31","modified_gmt":"2024-06-24T05:51:31","slug":"jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/","title":{"rendered":"Jak chr\u00e1nit sv\u016fj majetek v p\u0159\u00edpad\u011b \u017eiveln\u00ed pohromy?"},"content":{"rendered":"<p><strong>Torn\u00e1da odn\u00e1\u0161ej\u00edc\u00ed st\u0159echy dom\u016f, auta a ma\u0159\u00edc\u00ed lidsk\u00e9 \u017eivoty. V\u00fdjev jako z katastrofick\u00fdch film\u016f. Torn\u00e1do, kter\u00e9 ve \u010dtvrtek 24. 6. 2021 ude\u0159ilo v obc\u00edch na Hodon\u00ednsku a B\u0159eclavsku, v modern\u00ed \u010desk\u00e9 historii skute\u010dn\u011b nem\u00e1 obdoby. Nast\u00e1v\u00e1 ot\u00e1zka, jak v p\u0159\u00edpad\u011b \u017eiveln\u00ed pohromy set\u0159\u00e1st nejv\u011bt\u0161\u00ed z\u00e1t\u011b\u017e \u2013 finance pot\u0159ebn\u00e9 k n\u00e1vratu do norm\u00e1ln\u00edho \u017eivota. Poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti je naprost\u00fd z\u00e1klad, je v\u0161ak d\u016fle\u017eit\u00e9 ho m\u00edt spr\u00e1vn\u011b nastaven\u00e9.<\/strong><\/p>\n<img decoding=\"async\" width=\"770\" height=\"510\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/861ce3c8-06-jak-se-zachovat-pri-uderu-tornada-01-scaled-1-770x510.jpeg\" class=\" wp-post-image wp-stateless-item\" alt=\"Jak chr\u00e1nit sv\u016fj majetek v p\u0159\u00edpad\u011b \u017eiveln\u00ed pohromy?\" title=\"Jak chr\u00e1nit sv\u016fj majetek v p\u0159\u00edpad\u011b \u017eiveln\u00ed pohromy?\" srcset=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/861ce3c8-06-jak-se-zachovat-pri-uderu-tornada-01-scaled-1-770x510.jpeg 770w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/861ce3c8-06-jak-se-zachovat-pri-uderu-tornada-01-scaled-1-1700x1126.jpeg 1700w\" 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\/861ce3c8-06-jak-se-zachovat-pri-uderu-tornada-01-scaled-1.jpeg\" \/>\n<h2>Ni\u010div\u00fd \u017eivel \u2013 torn\u00e1do<\/h2>\n<p>Slab\u0161\u00ed torn\u00e1da mohou vzniknout p\u0159i norm\u00e1ln\u00ed bou\u0159i, siln\u011bj\u0161\u00ed vznikaj\u00ed a\u017e na supercel\u00e1ch. Supercely jsou extr\u00e9mn\u011b siln\u00e9 bou\u0159e, jejich\u017e j\u00e1dro rotuje. Cirkulace vzduchov\u00e9 masy uvnit\u0159 takov\u00e9 bou\u0159e vy\u00fast\u00ed a\u017e v torn\u00e1do \u2013 ni\u010div\u00fd vzdu\u0161n\u00fd v\u00edr, kter\u00fd p\u0159i kontaktu se zem\u00ed trh\u00e1 stromy, ni\u010d\u00ed domy a do vzduchu zvedne i kamion.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed v p\u0159\u00edpad\u011b torn\u00e1da<\/h2>\n<p>U majetkov\u00e9ho poji\u0161t\u011bn\u00ed jsou \u0161kody v d\u016fsledku torn\u00e1da hrazeny z rizika vich\u0159ice. Riziko vich\u0159ice je standardn\u00ed sou\u010d\u00e1st\u00ed z\u00e1kladn\u00edho rozsahu majetkov\u00e9ho poji\u0161t\u011bn\u00ed (nap\u0159. poji\u0161t\u011bn\u00ed stavby, poji\u0161t\u011bn\u00ed dom\u00e1cnosti). Torn\u00e1do toti\u017e svou definic\u00ed spad\u00e1 pod vich\u0159ici. Za vich\u0159ice je pova\u017eov\u00e1n v\u00edtr o rychlosti od 75 km\/h.<\/p>\n<p>U poji\u0161t\u011bn\u00ed motorov\u00fdch vozidel \u0161kody zp\u016fsoben\u00e9 torn\u00e1dem hrad\u00ed poji\u0161\u0165ovny v\u0161em majitel\u016fm vozidel, kte\u0159\u00ed maj\u00ed sjedn\u00e1no platn\u00e9 <a href=\"https:\/\/www.srovnator.cz\/havarijni-pojisteni\/\">havarijn\u00ed<\/a> nebo dopl\u0148kov\u00e9 poji\u0161t\u011bn\u00ed ve variant\u011b obsahuj\u00edc\u00ed pojistn\u00e9 nebezpe\u010d\u00ed \u017eivel, resp. \u017eiveln\u00ed ud\u00e1lost.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto-770x513.jpg\" alt=\"Zni\u010den\u00e9 auto\" width=\"770\" height=\"513\" class=\"alignnone size-medium wp-image-23386 lazyloaded\" sizes=\"(max-width: 770px) 100vw, 770px\" srcset=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto-770x513.jpg 770w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto-768x511.jpg 768w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto.jpg 963w\" data-ll-status=\"loaded\"><noscript><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto-770x513.jpg\" alt=\"Zni\u010den\u00e9 auto\" width=\"770\" height=\"513\" class=\"alignnone size-medium wp-image-23386\" srcset=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto-770x513.jpg 770w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto-768x511.jpg 768w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/auto.jpg 963w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/noscript><\/p>\n<h2>Jak spr\u00e1vn\u011b nastavit majetkov\u00e9 poji\u0161t\u011bn\u00ed<\/h2>\n<p>V\u011bt\u0161ina lid\u00ed vlastn\u00ed n\u011bjak\u00fd majetek. \u010c\u00e1st v\u011bc\u00ed si \u010dlov\u011bk po\u0159\u00edd\u00ed v okam\u017eiku pot\u0159eby, na \u010d\u00e1st v\u011bc\u00ed mus\u00ed krat\u0161\u00ed \u010di del\u0161\u00ed dobu \u0161et\u0159it, a pak jsou v\u011bci, kv\u016fli kter\u00fdm jsme ochotni si p\u016fj\u010dit a t\u0159eba i na n\u011bkolik des\u00edtek let se zadlu\u017eit a postupn\u011b je spl\u00e1cet. Sta\u010d\u00ed jedna jiskra, v\u011bt\u0161\u00ed mno\u017estv\u00ed vody, siln\u011bj\u0161\u00ed v\u00edtr, nenechav\u00e9 ruce nebo jin\u00e1 nehoda a je probl\u00e9m. Majetkov\u00e9 poji\u0161t\u011bn\u00ed m\u016f\u017ee n\u00e1sledky takov\u00e9 ud\u00e1losti v\u00fdrazn\u011b zm\u00edrnit a uleh\u010dit navr\u00e1cen\u00ed stavu v\u011bc\u00ed do \u201enorm\u00e1ln\u00edho\u201c re\u017eimu.<\/p>\n<p><strong>D\u00e1vejte si zejm\u00e9na pozor na:<\/strong><\/p>\n<ol>\n<li>Rozli\u0161ujte poji\u0161t\u011bn\u00ed nemovitosti (stavby) a dom\u00e1cnosti.<\/li>\n<li>Nezapom\u00ednejte pojistku pravideln\u011b aktualizovat, zabr\u00e1n\u00ed se podpoji\u0161t\u011bn\u00ed. Poji\u0161\u0165ovny produkty \u010dasto modernizuj\u00ed a nov\u00e9 pojistky obsahuj\u00ed lep\u0161\u00ed asisten\u010dn\u00ed slu\u017eby.<\/li>\n<li>Pohl\u00eddejte si, jestli poji\u0161\u0165ovna pln\u00ed v nov\u00fdch nebo \u010dasov\u00fdch cen\u00e1ch.\n<ul>\n<li>Cena nov\u00e1 je cena, za kterou by bylo mo\u017en\u00e9 koupit poji\u0161t\u011bnou v\u011bc v dan\u00e9 dob\u011b a lokalit\u011b jako zcela novou (nemus\u00ed se shodovat s cenou, za kterou jste ji vy po\u0159\u00eddili).<\/li>\n<li>Cena \u010dasov\u00e1 (obvykl\u00e1) je cena, kterou m\u011bla poji\u0161t\u011bn\u00e1 v\u011bc v dob\u011b pojistn\u00e9 ud\u00e1losti, resp t\u011bsn\u00e9 p\u0159ed n\u00ed. Je to tedy cena, za kterou byste byli schopni poji\u0161t\u011bnou v\u011bc v dan\u00e9 dob\u011b a m\u00edst\u011b prodat.<\/li>\n<\/ul>\n<\/li>\n<li>Nezapom\u00ednejte na aktualizaci poji\u0161t\u011bn\u00ed vedlej\u0161\u00edch staveb (baz\u00e9n, pergola, parkovac\u00ed st\u00e1n\u00ed, plot\u2026), pokud si nov\u00e9 po\u0159\u00edd\u00edte.<\/li>\n<li>Cenu stavby ur\u010dete tak, kolik by st\u00e1la, pokud byste si dnes cht\u011bli postavit to sam\u00e9.<\/li>\n<li>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti by m\u011blo b\u00fdt do takov\u00e9ho limitu, abyste si mohli koupit znovu v\u0161e, co m\u00e1te doma (od n\u00e1dob\u00ed a\u017e po televizi).<\/li>\n<li>Nezapom\u00ednejte na asisten\u010dn\u00ed slu\u017eby. Pokud se n\u011bco stane, nejste v tom sami.<\/li>\n<\/ol>\n<h2>Poji\u0161t\u011bn\u00ed nemovitosti<\/h2>\n<p><a href=\"https:\/\/www.srovnator.cz\/pojisteni-nemovitosti\/\">Poji\u0161t\u011bn\u00ed nemovitosti<\/a> je jedn\u00edm z v\u016fbec nejstar\u0161\u00edch typ\u016f poji\u0161t\u011bn\u00ed. Jeho po\u010d\u00e1tky souvisej\u00ed s nej\u010dast\u011bj\u0161\u00ed pohromou st\u0159edov\u011bk\u00fdch m\u011bst \u2013 po\u017e\u00e1ry, kter\u00e9 p\u0159edstavovaly hrozbu pro st\u0159edov\u011bk\u00e1 obydl\u00ed. \u010cast\u00fdm po\u017e\u00e1r\u016fm tak m\u011bsta vd\u011b\u010d\u00ed za vznik velk\u00e9ho mno\u017estv\u00ed dne\u0161n\u00edch sv\u011btov\u011b proslul\u00fdch poji\u0161\u0165oven. Mnoz\u00ed z n\u00e1s tak\u00e9 utrp\u011bli velk\u00e9 ztr\u00e1ty kv\u016fli povodn\u00edm. Pojistit lze nejen rodinn\u00fd d\u016fm, ale tak\u00e9 bytov\u00fd d\u016fm, chatu, chalupu i gar\u00e1\u017e.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/06-jak-se-zachovat-pri-uderu-tornada-03.jpg\" alt=\"Nemovitost\" width=\"640\" height=\"393\" class=\"alignnone size-full wp-image-23376 lazyloaded\" data-ll-status=\"loaded\"><noscript><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/06-jak-se-zachovat-pri-uderu-tornada-03.jpg\" alt=\"Nemovitost\" width=\"640\" height=\"393\" class=\"alignnone size-full wp-image-23376\" \/><\/noscript><\/p>\n<p>\u010c\u00e1stka, kterou poji\u0161\u0165ovna vyplat\u00ed v p\u0159\u00edpad\u011b po\u0161kozen\u00ed \u010di \u00fapln\u00e9ho zni\u010den\u00ed poji\u0161t\u011bn\u00e9 stavby, tj. pojistn\u00e1 \u010d\u00e1stka, m\u016f\u017ee b\u00fdt stanovena r\u016fzn\u00fdmi zp\u016fsoby:<\/p>\n<ul>\n<li>na z\u00e1klad\u011b v\u00fdpo\u010dtu proveden\u00e9ho poji\u0161\u0165ovnou, kter\u00fd je zalo\u017een na typu poji\u0161\u0165ovan\u00e9 nemovitosti, velikosti v m\u00b2, lokalit\u011b<\/li>\n<li>na z\u00e1klad\u011b pojistn\u00e9 \u010d\u00e1stky stanoven\u00e9 pojistn\u00edkem<\/li>\n<li>kombinac\u00ed, na z\u00e1klad\u011b v\u00fdpo\u010detn\u00edho mechanismu poji\u0161\u0165ovny v kombinaci se stanoven\u00edm pojistn\u00e9 \u010d\u00e1stky pojistn\u00edkem, kdy je poji\u0161\u0165ovnou zpravidla ur\u010dena minim\u00e1ln\u00ed pojistn\u00e1 \u010d\u00e1stka, pojistn\u00edk pojistnou \u010d\u00e1stku podle sv\u00e9ho uv\u00e1\u017een\u00ed zv\u00fd\u0161it<\/li>\n<\/ul>\n<p>V p\u0159\u00edpad\u011b, kdy je pojistn\u00e1 \u010d\u00e1stka stanovena vypo\u010dten\u00edm poji\u0161\u0165ovny, je v\u00fd\u0161e pojistn\u00e9 \u010d\u00e1stky zna\u010dn\u011b ovlivn\u011bna t\u00edm, je-li poji\u0161t\u011bn\u00ed sjedn\u00e1no na novou nebo \u010dasovou cenu. V p\u0159\u00edpad\u011b, kdy je poji\u0161t\u011bn\u00ed sjedn\u00e1no na \u010dasovou cenu, je pojistn\u00e9 pln\u011bn\u00ed v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti v\u017edy ni\u017e\u0161\u00ed, jeliko\u017e zohled\u0148uje st\u00e1\u0159\u00ed a opot\u0159eben\u00ed poji\u0161t\u011bn\u00e9 stavby. V\u017edy je proto dobr\u00e9 cenu nastavit na \u010d\u00e1stku za kterou byste nemovitost postavili v aktu\u00e1ln\u00edm \u010dase a m\u00edste \u2013 nov\u00e1 cena.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n<p>Vybaven\u00ed dom\u00e1cnosti po\u0159izujeme pr\u016fb\u011b\u017en\u011b cel\u00fd \u017eivot. <a href=\"https:\/\/www.srovnator.cz\/pojisteni-domacnosti\/\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a> nab\u00edz\u00ed mo\u017enost u\u017e\u00edvat si a radovat se z t\u011bchto v\u011bc\u00ed, ne se strachovat, co bude kdy\u017e tyto v\u011bci podlehnou jak\u00e9koliv \u017eiveln\u00ed ud\u00e1losti, nebo upoutaj\u00ed pozornost nenechav\u00fdch rukou.<\/p>\n<p>Poji\u0161t\u011bn\u00ed zahrnuje n\u00e1bytek, elektrospot\u0159ebi\u010de, televize, knihy, oble\u010den\u00ed, sportovn\u00ed pot\u0159eby, ceniny, \u0161perky, a dal\u0161\u00ed v\u011bci. Sou\u010dasn\u011b mohou b\u00fdt poji\u0161t\u011bny i takzvan\u00e9 stavebn\u00ed sou\u010d\u00e1sti, kter\u00fdmi se rozum\u00ed nap\u0159\u00edklad plovouc\u00ed podlaha, kuchy\u0148sk\u00e1 linka nebo obklady st\u011bn a strop\u016f. Do poji\u0161t\u011bn\u00ed spadaj\u00ed obvykle i prostory mimo byt, nap\u0159\u00edklad sklep.<\/p>\n<p>Pojistn\u00e1 \u010d\u00e1stka m\u00e1 odpov\u00eddat hodnot\u011b majetku dom\u00e1cnosti. Jestli\u017ee by pojistn\u00e1 \u010d\u00e1stka neodpov\u00eddala hodnot\u011b majetku dom\u00e1cnosti a byla by ni\u017e\u0161\u00ed, hroz\u00ed podpoji\u0161t\u011bn\u00ed, v opa\u010dn\u00e9m p\u0159\u00edpad\u011b p\u0159epoji\u0161t\u011bn\u00ed. V prvn\u00edm p\u0159\u00edpad\u011b hroz\u00ed n\u00edzk\u00e9 pln\u011bn\u00ed p\u0159i pojistn\u00e9 ud\u00e1losti. Ve druh\u00e9m p\u0159\u00edpad\u011b by spl\u00e1tka pojistn\u00e9ho byla zbyte\u010dn\u011b vysok\u00e1, proto\u017ee poji\u0161\u0165ovna v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti bude plnit maxim\u00e1ln\u011b do v\u00fd\u0161e hodnoty majetku.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/06-jak-se-zachovat-pri-uderu-tornada-04.jpg\" alt=\"\" width=\"640\" height=\"423\" class=\"alignnone size-full wp-image-23373 lazyloaded\" data-ll-status=\"loaded\"><noscript><img decoding=\"async\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/2021\/10\/06-jak-se-zachovat-pri-uderu-tornada-04.jpg\" alt=\"\" width=\"640\" height=\"423\" class=\"alignnone size-full wp-image-23373\" \/><\/noscript><\/p>\n<p>V\u00fd\u010det rizik, na kter\u00e1 se poji\u0161t\u011bn\u00ed vztahuje, je stanoven pojistnou smlouvou. Poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti se m\u016f\u017ee t\u00fdkat \u0161kod zp\u016fsoben\u00fdch:<\/p>\n<ul>\n<li>z\u00e1kladn\u00edm \u017eivlem,<\/li>\n<li>vodou z vodovodn\u00edho za\u0159\u00edzen\u00ed,<\/li>\n<li>vich\u0159ic\u00ed nebo krupobit\u00edm,<\/li>\n<li>kr\u00e1de\u017e\u00ed vloup\u00e1n\u00edm, loupe\u017e\u00ed,<\/li>\n<li>povodn\u00ed nebo z\u00e1plavou,<\/li>\n<li>n\u00e1hl\u00fdm sesuvem hornin a zemin nebo z\u0159\u00edcen\u00edm lavin,<\/li>\n<li>t\u00edhou sn\u011bhu,<\/li>\n<li>p\u00e1dem strom\u016f, sto\u017e\u00e1r\u016f a jin\u00fdch p\u0159edm\u011bt\u016f,<\/li>\n<li>n\u00e1razem vozidla nebo jeho n\u00e1kladu,<\/li>\n<li>zem\u011bt\u0159esen\u00edm,<\/li>\n<li>mrazem na topn\u00e9m syst\u00e9mu a vodovodn\u00edm za\u0159\u00edzen\u00ed,<\/li>\n<li>kou\u0159em,<\/li>\n<li>vandalismem,<\/li>\n<li>rozbit\u00ed sanit\u00e1rn\u00edho za\u0159\u00edzen\u00ed<\/li>\n<\/ul>\n<h2>Asisten\u010dn\u00ed slu\u017eby<\/h2>\n<p>Praskl\u00e9 potrub\u00ed, zabouchnut\u00e9 dve\u0159e, nefunguj\u00edc\u00ed kamna, zavirovan\u00fd po\u010d\u00edta\u010d, spor se sousedem a spousta dal\u0161\u00edch nep\u0159\u00edjemnost\u00ed v\u00e1s mohou kdykoli postavit do krizov\u00e9 situace. Pokud budete \u0159e\u0161it, kde rychle naj\u00edt kvalitn\u00ed pomoc, ocen\u00edte poji\u0161\u0165ovnami nab\u00edzen\u00e9 asisten\u010dn\u00ed slu\u017eby, kter\u00e9 se sjedn\u00e1v\u00e1j\u00ed spole\u010dn\u011b s poji\u0161t\u011bn\u00edm majetku.<\/p>\n<h2>Klient\u016fm Srovn\u00e1toru pom\u016f\u017eeme s \u0159e\u0161en\u00edm \u0161kody<\/h2>\n<p>V p\u0159\u00edpad\u011b vznikl\u00e9 \u0161kody mus\u00edte neprodlen\u011b informovat poji\u0161\u0165ovnu, u kter\u00e9 m\u00e1te smlouvu uzav\u0159enou. V p\u0159\u00edpad\u011b, \u017ee jste nespokojeni s v\u00fdsledkem \u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti, p\u0159edejte v\u011bc k do\u0159e\u0161en\u00ed na\u0161im likvid\u00e1tor\u016fm. Nab\u00edz\u00edme:<\/p>\n<ul>\n<li><strong>slu\u017ebu v cen\u011b 1290,- K\u010d pro klienty Srovn\u00e1toru zdarma<\/strong><\/li>\n<li><strong>pro\u0161et\u0159\u00edme p\u0159\u00edpady pojistn\u00fdch ud\u00e1lost\u00ed, kter\u00e9 jsou v rozporu s va\u0161\u00edm pr\u00e1vn\u00edm n\u00e1rokem<\/strong><\/li>\n<li><strong>pom\u016f\u017eeme v\u00e1m vymoci maxim\u00e1ln\u00ed \u010d\u00e1stku, kterou lze od poji\u0161\u0165ovny z\u00edskat<\/strong><\/li>\n<\/ul>\n<h2>Nej\u010dast\u011bji kladen\u00e9 ot\u00e1zky \u2013 FAQ<\/h2>\n<div class=\"accordion faq my-3\" id=\"accon0\">\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-52916\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-25079\" aria-expanded=\"true\" aria-controls=\"item-25079\">\n            Kam se obr\u00e1tit v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti?\n            <\/button>\n        <\/h3>\n        <div id=\"item-25079\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-52916\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\nPojistnou ud\u00e1lost m\u016f\u017eete u v\u011bt\u0161iny poji\u0161\u0165oven ozn\u00e1mit 3 zp\u016fsoby:<\/p>\n<ul>\n<li>prost\u0159ednictv\u00edm online formul\u00e1\u0159e, kter\u00fd najdete na webov\u00fdch str\u00e1nk\u00e1ch poji\u0161\u0165ovny<\/li>\n<li>prost\u0159ednictv\u00edm formul\u00e1\u0159e, kter\u00fd bu\u010f za\u0161lete po\u0161tou, elektronicky nebo ho osobn\u011b donesete na pobo\u010dku poji\u0161\u0165ovny<\/li>\n<li>telefonicky:\n<ul>\n<li>Allianz \u2013 +420 241 170 000<\/li>\n<li>\u010cPP \u2013 +420 957 444 555<\/li>\n<li>\u010cSOB \u2013 +420 466 100 777<\/li>\n<li>KOOPERATIVA \u2013 +420 957 105 105<\/li>\n<li>Slavia \u2013 +420 255 790 111<\/li>\n<li>AXA (dnes UNIQUA) \u2013 +420 292 292 292<\/li>\n<li>UNIQUA \u2013 +420 488 125 125<\/li>\n<li>Direct \u2013 +420 221 221 221<\/li>\n<li>Generali \u010desk\u00e1 \u2013 +420 241 114 114<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n        <\/div>\n    <\/div>\n<div class=\"accordion-item\">\n        <h3 class=\"accordion-header \" id=\"head-64991\">\n            <button class=\"accordion-button align-items-start collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#item-16168\" aria-expanded=\"true\" aria-controls=\"item-16168\">\n            Poji\u0161\u0165ovna v\u00e1m odm\u00edtla plnit \u0161kodu, nebo nab\u00eddla ni\u017e\u0161\u00ed pln\u011bn\u00ed?\n            <\/button>\n        <\/h3>\n        <div id=\"item-16168\" class=\"accordion-collapse collapse \" aria-labelledby=\"head-64991\" data-bs-parent=\"#accon0\">\n            <div class=\"accordion-body\">\nObra\u0165te se na n\u00e1s, pom\u016f\u017ee v\u00e1m n\u00e1\u0161 likvid\u00e1tor, kter\u00fd situaci posoud\u00ed a vy\u0159e\u0161\u00ed k maxim\u00e1ln\u00edmu mo\u017en\u00e9mu pln\u011bn\u00ed va\u0161\u00ed \u0161kody.<br \/>\n<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Torn\u00e1do, n\u011bco s \u010d\u00edm se za \u017eivot setk\u00e1 v na\u0161ich zem\u011bpisn\u00fdch podm\u00ednk\u00e1ch jen \u0161petka lid\u00ed. Spr\u00e1vn\u011b nastaven\u00e1 pojistka a ochr\u00e1n\u011bn\u00ed majetku je z\u00e1klad.<\/p>\n","protected":false},"author":6,"featured_media":5112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[399,497,642,1029],"class_list":["post-5111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni-majetku","tag-domacnost","tag-majetek","tag-nemovitost","tag-zivel"],"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":"Jak se zachovat p\u0159i \u00faderu torn\u00e1da  \ufe0f","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>Jak chr\u00e1nit sv\u016fj majetek v p\u0159\u00edpad\u011b \u017eiveln\u00ed pohromy? - Srovn\u00e1tor.cz<\/title>\n<meta name=\"description\" content=\"Torn\u00e1do, n\u011bco s \u010d\u00edm se za \u017eivot setk\u00e1 v na\u0161ich zem\u011bpisn\u00fdch podm\u00ednk\u00e1ch jen \u0161petka lid\u00ed. Spr\u00e1vn\u011b nastaven\u00e1 pojistka a ochr\u00e1n\u011bn\u00ed majetku je z\u00e1klad. \ufe0f\" \/>\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\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak chr\u00e1nit sv\u016fj majetek v p\u0159\u00edpad\u011b \u017eiveln\u00ed pohromy? - Srovn\u00e1tor.cz\" \/>\n<meta property=\"og:description\" content=\"Torn\u00e1do, n\u011bco s \u010d\u00edm se za \u017eivot setk\u00e1 v na\u0161ich zem\u011bpisn\u00fdch podm\u00ednk\u00e1ch jen \u0161petka lid\u00ed. Spr\u00e1vn\u011b nastaven\u00e1 pojistka a ochr\u00e1n\u011bn\u00ed majetku je z\u00e1klad. \ufe0f\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.srovnator.cz\/clanky\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/\" \/>\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=\"2021-06-27T06:15:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-24T05:51:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/861ce3c8-06-jak-se-zachovat-pri-uderu-tornada-01-scaled-1.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tom\u00e1\u0161 Mina\u0159\u00edk\" \/>\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=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom\u00e1\u0161 Mina\u0159\u00edk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/\",\"url\":\"https:\/\/www.srovnator.cz\/clanky\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/\",\"name\":\"Jak chr\u00e1nit sv\u016fj majetek v p\u0159\u00edpad\u011b \u017eiveln\u00ed pohromy? - Srovn\u00e1tor.cz\",\"isPartOf\":{\"@id\":\"https:\/\/www.srovnator.cz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.srovnator.cz\/clanky\/jak-chranit-svuj-majetek-v-pripade-zivelni-pohromy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/861ce3c8-06-jak-se-zachovat-pri-uderu-tornada-01-scaled-1.jpeg\",\"datePublished\":\"2021-06-27T06:15:24+00:00\",\"dateModified\":\"2024-06-24T05:51:31+00:00\",\"author\":{\"@id\":\"https:\/\/www.srovnator.cz\/#\/schema\/person\/9edfe86141eba69ff5b2149b530db68d\"},\"description\":\"Torn\u00e1do, n\u011bco s \u010d\u00edm se za \u017eivot setk\u00e1 v na\u0161ich zem\u011bpisn\u00fdch podm\u00ednk\u00e1ch jen \u0161petka lid\u00ed. 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