{"id":4805,"date":"2023-08-10T06:07:45","date_gmt":"2023-08-10T04:07:45","guid":{"rendered":"https:\/\/www.wuestenrot.sk\/?p=4805"},"modified":"2023-08-10T06:07:45","modified_gmt":"2023-08-10T04:07:45","slug":"pocasie-sposobilo-skody-v-desiatkach-tisic-eur","status":"publish","type":"tlacova-sprava","link":"https:\/\/www.wuestenrot.sk\/tlacova-sprava\/pocasie-sposobilo-skody-v-desiatkach-tisic-eur\/","title":{"rendered":"Po\u010dasie sp\u00f4sobilo \u0161kody v desiatkach tis\u00edc eur"},"content":{"rendered":"<p align=\"center\"><strong>Krupobit\u00edm najviac utrpeli Slov\u00e1ci na v\u00fdchodnom Slovensku.<\/strong><\/p>\n<p align=\"center\"><strong>&nbsp;<\/strong><\/p>\n<p><strong>Da\u017ediv\u00e9 po\u010dasie spolu s krupobit\u00edm a siln\u00fdm vetrom sp\u00f4sobuje v priebehu posledn\u00fdch t\u00fd\u017ed\u0148och \u0161kody na majetku naprie\u010d cel\u00fdm \u00fazem\u00edm Slovenska. Pois\u0165ov\u0148a W\u00fcstenrot eviduje najviac \u0161k\u00f4d v d\u00f4sledku krupobitia aj pr\u00edvalov\u00fdch zr\u00e1\u017eok na v\u00fdchodnom Slovensku, najm\u00e4 v oblasti Zempl\u00ednskej \u0160\u00edravy. Upozor\u0148uje, \u017ee \u0161kody na karos\u00e9rii \u010dasto nie s\u00fa na prv\u00fd poh\u013ead vidite\u013en\u00e9 a rad\u00ed, na koho sa obr\u00e1ti\u0165.<\/strong><\/p>\n<p>Pois\u0165ov\u0148a predpoklad\u00e1, \u017ee hl\u00e1sen\u00e9 poistn\u00e9 udalosti bud\u00fa v najbli\u017e\u0161\u00edch d\u0148och e\u0161te prib\u00fada\u0165 a odpor\u00fa\u010da klientom, aby so vzniknut\u00fdmi \u0161kodami obozn\u00e1mili pois\u0165ov\u0148u \u010do najsk\u00f4r. Zabr\u00e1nia t\u00fdm n\u00e1rastu rozsahu \u0161k\u00f4d a ur\u00fdchlia proces likvid\u00e1cie svojej poistnej udalosti. Je d\u00f4le\u017eit\u00e9, aby klienti ak\u00fako\u013evek poistn\u00fa udalos\u0165 bezodkladne nahl\u00e1sili, nevyhadzovali po\u0161koden\u00fd majetok a mysleli na fotodokument\u00e1ciu, k\u00fdm pr\u00edde sp\u00f4soben\u00e9 \u0161kody zdokumentova\u0165 odborn\u00edk pois\u0165ovne. Vo v\u00e4\u010d\u0161ine z nahl\u00e1sen\u00fdch \u0161k\u00f4d klienti zatia\u013e nepredlo\u017eili tie\u017e doklady za opravu, pois\u0165ov\u0148a W\u00fcstenrot v\u0161ak odhaduje, \u017ee vzniknut\u00e9 \u0161kody sa pohybuj\u00fa r\u00e1dovo v desiatkach tis\u00edc eur.<\/p>\n<p><strong>\u0160kody na majetku sp\u00f4soben\u00e9 krupobit\u00edm<\/strong><\/p>\n<p>Len v d\u00f4sledku krupobitia eviduje pois\u0165ov\u0148a W\u00fcstenrot v uplynulom obdob\u00ed hl\u00e1sen\u00fdch 48 poistn\u00fdch udalost\u00ed, pri ktor\u00fdch boli po\u0161koden\u00e9 motorov\u00e9 vozidl\u00e1, pr\u00edpadne in\u00fd poisten\u00fd majetok. Naj\u010dastej\u0161ie ide o po\u0161kodenia skiel a karos\u00e9rie, pri\u010dom n\u00e1klady na opravu karos\u00e9rie sa \u0161tandardne v z\u00e1vislosti od rozsahu po\u0161kodenia pohybuj\u00fa v tis\u00edckach eur, nie zriedka v\u0161ak aj nad 10 000 eur. V pr\u00edpade po\u0161kodenia skiel s\u00fa n\u00e1klady vo v\u00fd\u0161ke stoviek a\u017e tis\u00edcok eur.<\/p>\n<p><em>\u201ePo\u0161kodenia vzniknut\u00e9 krupobit\u00edm nie s\u00fa na karos\u00e9rii motorov\u00e9ho vozidla \u010dastokr\u00e1t na prv\u00fd poh\u013ead celkom vidite\u013en\u00e9, preto sa obhliadky realizuj\u00fa v \u0161pecializovan\u00fdch, tzv. PDR (paintless dent repair) servisoch, ktor\u00e9 disponuj\u00fa potrebnou technikou pre detekciu po\u0161koden\u00ed a ich n\u00e1sledn\u00fa opravu. Pri nahl\u00e1sen\u00ed poistnej udalosti pois\u0165ov\u0148a odporu\u010d\u00ed klientovi, kde m\u00e1 tak\u00fdto \u0161pecializovan\u00fd servis v pr\u00edslu\u0161nej lokalite prev\u00e1dzku. Pri po\u0161koden\u00ed \u010deln\u00e9ho skla m\u00f4\u017ee klient nav\u0161t\u00edvi\u0165 ak\u00fdko\u013evek servis, ktor\u00fd je schopn\u00fd sklo vymeni\u0165. Samozrejme, aj v tomto pr\u00edpade mus\u00ed by\u0165 po\u0161kodenie riadne zdokumentovan\u00e9,\u201c<\/em> vysvet\u013euje ved\u00faci Oddelenia underwritingu a likvid\u00e1cie v ne\u017eivotnom poisten\u00ed Vladim\u00edr Jak\u00fabek.<\/p>\n<p><strong>V pr\u00edpade pr\u00edvalov\u00fdch da\u017e\u010fov s\u00fa najpo\u010detnej\u0161ie po\u0161kodenia gar\u00e1\u017e\u00ed, pivn\u00edc a striech<\/strong><\/p>\n<p>Po\u0161kodenia v pr\u00edpade pr\u00edvalov\u00fdch da\u017e\u010fov a z\u00e1plav sa spravidla t\u00fdkaj\u00fa aj motorov\u00fdch vozidiel, ktor\u00e9 maj\u00fa klienti kryt\u00e9 z havarijn\u00e9ho poistenia, no po\u010detnej\u0161ie poistn\u00e9 udalosti eviduje W\u00fcstenrot v pr\u00edpade poistenia b\u00fdvania. Naj\u010dastej\u0161ie ide spravidla o zatopenie gar\u00e1\u017ei a pivn\u00edc, kde n\u00e1sledne doch\u00e1dza aj k po\u0161kodeniu \u010fal\u0161ieho majetku klientov, no po\u0161kodenie sa t\u00fdkaj\u00fa aj striech a obvodov\u00fdch stien.<\/p>\n<p><em>\u201ePo\u0161kodenia nehnute\u013enosti nemusia vznikn\u00fa\u0165 len v d\u00f4sledku z\u00e1plavy, ale aj v d\u00f4sledku p\u00f4sobenia atmosf\u00e9rick\u00fdch zr\u00e1\u017eok, kedy voda v d\u00f4sledku prudk\u00e9ho a v\u00fddatn\u00e9ho da\u017e\u010fa vnikne alebo presiakne cez strechu, obvodov\u00e9 steny, dvere, okn\u00e1 alebo in\u00e9 stavebn\u00e9 s\u00fa\u010dasti nehnute\u013enosti. Upozor\u0148ujeme klientov, aby v \u010dase v\u00fdstrahy pr\u00edvalov\u00fdch da\u017e\u010fov skontrolovali, \u010di s\u00fa okn\u00e1 a dvere dostato\u010dne uzavret\u00e9 a vyhli sa tak zbyto\u010dn\u00fdm probl\u00e9mom pri pr\u00edpadnej likvid\u00e1cii poistnej udalosti,\u201c<\/em> dod\u00e1va Jak\u00fabek.<\/p>\n","protected":false},"featured_media":0,"template":"","acf":[],"_links":{"self":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava\/4805"}],"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=4805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}