[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pojisteni-proti-povodnim\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pojisteni-proti-povodnim\/","headline":"Poji\u0161t\u011bn\u00ed proti povodn\u00edm","name":"Poji\u0161t\u011bn\u00ed proti povodn\u00edm","description":"&#13; Povodn\u011b jsou ka\u017edoro\u010dn\u00edm jarn\u00edm, letn\u00edm ale i podzimn\u00edm rizikem, proti kter\u00e9mu se lze jenom \u0161patn\u011b br\u00e1nit.&#13; &#13; Co je to karen\u010dn\u00ed doba?&#13; Strach poji\u0161\u0165oven z pojistn\u00fdch podvod\u016f v dob\u00e1ch v\u011bt\u0161\u00edch z\u00e1plav nut\u00ed do\u010dasn\u011b p\u0159estat uzav\u00edrat nov\u00e9 pojistky. Jedn\u00e1 se o standardn\u00ed preventivn\u00ed krok. Lid\u00e9 zneu\u017e\u00edvaj\u00ed p\u0159\u00edrodn\u00edch kalamit a ve chv\u00edli, kdy za\u010dala v jejich &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pojisteni-proti-povodnim\/\"> <span class=\"screen-reader-text\">Poji\u0161t\u011bn\u00ed proti povodn\u00edm<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-11-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a279265_w1991_t1602747289.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a279265_w1991_t1602747289.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pojisteni-proti-povodnim\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":385,"articleBody":"&#13; Povodn\u011b jsou ka\u017edoro\u010dn\u00edm jarn\u00edm, letn\u00edm ale i podzimn\u00edm rizikem, proti kter\u00e9mu se lze jenom \u0161patn\u011b br\u00e1nit.&#13; &#13; Co je to karen\u010dn\u00ed doba?&#13; Strach poji\u0161\u0165oven z pojistn\u00fdch podvod\u016f v dob\u00e1ch v\u011bt\u0161\u00edch z\u00e1plav nut\u00ed do\u010dasn\u011b p\u0159estat uzav\u00edrat nov\u00e9 pojistky. Jedn\u00e1 se o standardn\u00ed preventivn\u00ed krok. Lid\u00e9 zneu\u017e\u00edvaj\u00ed p\u0159\u00edrodn\u00edch kalamit a ve chv\u00edli, kdy za\u010dala v jejich bezprost\u0159edn\u00edm okol\u00ed stoupat voda, uzav\u0159eli pojistku proti povodn\u00edm.&#13; &#13; V t\u011bchto dob\u00e1ch tak\u00e9 poji\u0161\u0165ovny p\u0159est\u00e1vaj\u00ed zjedn\u00e1vat poji\u0161t\u011bn\u00ed proti povodn\u00edm. Karen\u010dn\u00ed lh\u016fta znamen\u00e1, \u017ee kdykoliv si n\u011bkdo sjedn\u00e1 smluvn\u00ed podm\u00ednky, n\u011bjakou dobu nem\u016f\u017ee tyto podm\u00ednky \u0161kodu z povodn\u011b uplatnit. Takto se poji\u0161\u0165ovny kryj\u00ed p\u0159ed p\u0159\u00edpadn\u00fdmi pojistn\u00fdmi podvody, kter\u00fdch p\u0159i hrozb\u011b a hl\u00e1\u0161en\u00ed povodn\u00ed p\u0159ib\u00fdv\u00e1.&#13; &#13; U ka\u017ed\u00e9 poji\u0161\u0165ovny je tato karen\u010dn\u00ed lh\u016fta jin\u00e1, od deseti dn\u016f a\u017e po m\u011bs\u00edc. Je zde v\u0161ak pouze o poji\u0161t\u011bn\u00ed z velk\u00e9 vody, na ostatn\u00ed pojistky, jako nap\u0159\u00edklad vandalismus, po\u017e\u00e1r nebo bou\u0159i a vich\u0159ici tato pojistka plat\u00ed.&#13; &#13; Jak je to s rozli\u0161ov\u00e1n\u00edm pojm\u016f sjednan\u00fdch ve smlouv\u011b?&#13; Je nap\u0159\u00edklad rozd\u00edl mezi z\u00e1plavou a povodn\u00ed. M\u016f\u017eete se pojistit proti jednomu, ale p\u0159ijde druh\u00e9, nebo naopak. Pro poji\u0161\u0165ovny nejsou tyto dva pojmy jedno a tot\u00e9\u017e.&#13; &#13; Povode\u0148 je, kdy\u017e jste zaplaveni vodou, kter\u00e1 se vylije z potoka, \u0159eky, jezera, n\u00e1dr\u017ee a podobn\u011b. Z\u00e1plava, to znamen\u00e1, \u017ee v\u00e1s voda zaplavila z jin\u00fdch d\u016fvod\u016f; nap\u0159\u00edklad siln\u00e9 de\u0161t\u011b p\u0159\u00edpadn\u011b obleva. Hl\u00eddejte si proto, zdali va\u0161e poji\u0161\u0165ovna mezi t\u011bmito pojmy rozli\u0161uje \u2013 ne v\u0161echny poji\u0161\u0165ovny tuto kli\u010dku uplat\u0148uj\u00ed.&#13; &#13; \u00b7 Kdy nahl\u00e1sit \u0161kodu? &#13; Okam\u017eit\u011b po zaplaven\u00ed, ne\u010dekejte ani na odplaven\u00ed vody.&#13; &#13; \u00b7 Co nahl\u00e1sit? &#13; \u010c\u00edslo pojistn\u00e9 smlouvy, p\u0159ibli\u017en\u011b popis ud\u00e1losti, odhadovan\u00fd rozsah \u0161kod na majetku, datum ud\u00e1losti, kontakt na sebe.&#13; &#13; \u00b7 Jak zdokumentovat \u0161kodu? &#13; Pokud to jde, fo\u0165te, to\u010dte videa, pokud to nen\u00ed mo\u017en\u00e9, zajist\u011bte si sv\u011bdectv\u00ed od firmy, kter\u00e1 \u0161kody likviduje, hasi\u010de nebo policisty.&#13;                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed proti povodn\u00edm","item":"https:\/\/www.zerba.cz\/pojisteni-proti-povodnim\/#breadcrumbitem"}]}]