{"id":4789,"date":"2022-11-10T09:20:35","date_gmt":"2022-11-10T08:20:35","guid":{"rendered":"https:\/\/www.wuestenrot.sk\/?p=4789"},"modified":"2022-11-10T09:20:35","modified_gmt":"2022-11-10T08:20:35","slug":"najviac-hlasenych-skod-na-majetku-zapricinuje-voda","status":"publish","type":"tlacova-sprava","link":"https:\/\/www.wuestenrot.sk\/tlacova-sprava\/najviac-hlasenych-skod-na-majetku-zapricinuje-voda\/","title":{"rendered":"Najviac hl\u00e1sen\u00fdch \u0161k\u00f4d na majetku zapr\u00ed\u010di\u0148uje voda"},"content":{"rendered":"<p style=\"text-align: center\"><strong>Dlhodobo m\u00e1 voda z vodovodn\u00fdch zariaden\u00ed na svedom\u00ed a\u017e 31 percent hl\u00e1sen\u00fdch \u0161kodov\u00fdch udalost\u00ed.<\/strong><\/p>\n<p><strong>V posledn\u00fdch \u0161tyroch rokoch predstavovalo naj\u010dastej\u0161iu poistn\u00fa udalos\u0165 kryt\u00fa z poistenia majetku a dom\u00e1cnosti jeho po\u0161kodenie vodou z vodovodn\u00fdch zariaden\u00ed, \u010do viedlo v pr\u00edpade elektrospotrebi\u010dov v dom\u00e1cnosti k riziku skratu. Pokazen\u00e9 elektrick\u00e9 zariadenia pritom celkovo tvorili p\u00e4tinu hl\u00e1sen\u00fdch \u0161k\u00f4d na majetku.&nbsp;<\/strong><\/p>\n<p>\n\t\n<\/p>\n<p>Pod\u013ea \u0161tatist\u00edk, ktor\u00e9 eviduje spolo\u010dnos\u0165 W\u00fcstenrot, klienti v pr\u00edpade \u0161k\u00f4d v dom\u00e1cnosti nahlasovali predov\u0161etk\u00fdm po\u0161kodenie majetku vodou. Z poistn\u00e9ho rizika vodou z vodovodn\u00fdch zariaden\u00ed bolo zapr\u00ed\u010dinen\u00fdch a\u017e 31 percent \u0161kodov\u00fdch udalost\u00ed.<\/p>\n<p><em>\u201ePri po\u0161koden\u00fdch predmetoch v d\u00f4sledku vody doch\u00e1dza \u010dasto ku skratu elektrick\u00fdch zariaden\u00ed v dom\u00e1cnosti. Pr\u00e1ve skrat elektrospotrebi\u010dov patr\u00ed do skupiny najviac hl\u00e1sen\u00fdch poistn\u00fdch udalost\u00ed a v posledn\u00fdch \u0161tyroch rokoch tvoril viac ako 10 percent \u0161k\u00f4d,\u201c<\/em> uv\u00e1dza Jana Kuchtov\u00e1, riadite\u013eka \u00daseku underwritingu a likvid\u00e1cie pois\u0165ovne W\u00fcstenrot. Dod\u00e1va, \u017ee skrat je z\u00e1rove\u0148 jednou z troch naj\u010dastej\u0161\u00edch pr\u00ed\u010din vzniku po\u017eiarov.<\/p>\n<p>Na druhom mieste v rebr\u00ed\u010dku \u0161k\u00f4d v dom\u00e1cnosti sa umiestnilo po\u0161kodenie elektrick\u00fdch zariaden\u00ed, \u010do tvorilo spolu 20 percent. D\u00f4vodom bol v\u00e4\u010d\u0161inou spom\u00ednan\u00fd skrat. K po\u0161kodeniu majetku kr\u00e1de\u017eou do\u0161lo v posledn\u00fdch rokoch v 8 percent\u00e1ch hl\u00e1sen\u00fdch poistn\u00fdch udalost\u00ed. Medzi \u010fal\u0161ie pr\u00ed\u010diny patrilo p\u00f4sobenie atmosf\u00e9rick\u00fdch zr\u00e1\u017eok a spodnej vody, ale aj \u017eivly ako krupobitie, v\u00edchrice, z\u00e1plavy, po\u017eiare, prep\u00e4tie alebo in\u00e9 technick\u00e9 po\u0161kodenia.<\/p>\n<p><em>\u201eS prich\u00e1dzaj\u00facou jese\u0148ou sa \u010dastej\u0161ie upozor\u0148uje na pravideln\u00e9 rev\u00edzie elektriny, kom\u00ednov a bleskozvodov, aby \u013eudia predi\u0161li vzniku po\u017eiarov. V r\u00e1mci poistn\u00fdch udalost\u00ed najviac evidujeme ako ich pr\u00ed\u010diny neopatrnos\u0165 pri manipul\u00e1cii s hor\u013eav\u00fdmi predmetmi a otvoren\u00fdm oh\u0148om, skrat elektrick\u00fdch zariaden\u00ed a \u00famyseln\u00e9 podp\u00e1lenie zn\u00e1mou alebo nezn\u00e1mou osobou,\u201c&nbsp;<\/em>vysvet\u013euje Jana Kuchtov\u00e1.<em>&nbsp;<\/em><\/p>\n<p>Vzh\u013eadom na n\u00e1rast cien stavebn\u00fdch materi\u00e1lov a pr\u00e1c, ktor\u00fd sledujeme od roku 2020, by si \u013eudia mali preveri\u0165, \u010di nemaj\u00fa nehnute\u013enos\u0165 podpoisten\u00fa. Dojednan\u00e1 ni\u017e\u0161ia poistn\u00e1 suma by v pr\u00edpade poistnej udalosti mohla sp\u00f4sobi\u0165 nemal\u00e9 nepr\u00edjemnosti \u2013 nepokryla by potrebn\u00e9 n\u00e1klady na opravu, k\u00fapu alebo v\u00fdstavbu novej nehnute\u013enosti. Pois\u0165ovne upozor\u0148uj\u00fa, \u017ee na slovenskom trhu s\u00fa nehnute\u013enosti do zna\u010dnej miery podpoisten\u00e9. V pr\u00edpade poistnej zmluvy s podhodnotenou poistnou sumou doch\u00e1dza v zmysle ustanoven\u00ed Ob\u010dianskeho z\u00e1konn\u00edka a dojednanej poistnej zmluvy ku kr\u00e1teniu poistn\u00e9ho plnenia, a to<em>&nbsp;<\/em>pod\u013ea miery podpoistenia. Aby sme tomuto probl\u00e9mu predi\u0161li, je vhodn\u00e9 preveri\u0165 v spolupr\u00e1ci so z\u00e1stupcom pois\u0165ovne svoju poistn\u00fa zmluvu a n\u00e1sledne si nav\u00fd\u0161i\u0165 poistn\u00fa sumu. Ide\u00e1lnym rie\u0161en\u00edm je dojednan\u00e1 ochrana pred infl\u00e1ciou, ktor\u00e1 pop\u00edsan\u00e9 riziko zni\u017euje.<\/p>\n","protected":false},"featured_media":0,"template":"","acf":[],"_links":{"self":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava\/4789"}],"collection":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava"}],"about":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/types\/tlacova-sprava"}],"wp:attachment":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/media?parent=4789"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}