{"id":4807,"date":"2023-10-11T14:04:26","date_gmt":"2023-10-11T12:04:26","guid":{"rendered":"https:\/\/www.wuestenrot.sk\/?p=4807"},"modified":"2023-10-11T14:04:26","modified_gmt":"2023-10-11T12:04:26","slug":"ako-postupovat-pri-skodach-sposobenych-zemetrasenim","status":"publish","type":"tlacova-sprava","link":"https:\/\/www.wuestenrot.sk\/tlacova-sprava\/ako-postupovat-pri-skodach-sposobenych-zemetrasenim\/","title":{"rendered":"Ako postupova\u0165 pri \u0161kod\u00e1ch sp\u00f4soben\u00fdch zemetrasen\u00edm?"},"content":{"rendered":"<p align=\"center\"><strong>\u0160kodov\u00fdch udalost\u00ed sp\u00f4soben\u00fdch \u017eivlami je v pr\u00edpade poistenia majetku najviac.<\/strong><\/p>\n<p align=\"center\"><strong>&nbsp;<\/strong><\/p>\n<p><strong>Poistn\u00e9 udalosti v d\u00f4sledku \u017eivlov tvoria najv\u00e4\u010d\u0161\u00ed podiel z celkov\u00e9ho po\u010dtu hl\u00e1sen\u00fdch udalost\u00ed z poistenia majetku. Tento rok za prv\u00fdch 9 mesiacov tvorili v pois\u0165ovni W\u00fcstenrot viac ako 70 %. Ako maj\u00fa postupova\u0165 \u013eudia, ktor\u00fdm zemetrasenie po\u0161kodilo nehnute\u013enos\u0165 alebo zariadenie dom\u00e1cnosti?&nbsp;<\/strong><\/p>\n<p>Pois\u0165ov\u0148a W\u00fcstenrot eviduje v d\u00f4sledku zemetrasenia na v\u00fdchodnom Slovensku <strong>poistn\u00e9 udalosti najm\u00e4 v okresoch Vranov nad Top\u013eou a Humenn\u00e9, no hl\u00e1sen\u00e9 s\u00fa aj z okresu Bardejov a Stropkov<\/strong>. Ide najm\u00e4 o <strong>po\u0161kodenie omietky, popraskanie muriva a spadnut\u00e9 kom\u00edny<\/strong> na poisten\u00fdch nehnute\u013enostiach, ako aj \u0161kody na hnute\u013en\u00fdch veciach. V s\u00favislosti s nede\u013e\u0148aj\u0161\u00edm zemetrasen\u00edm bola pois\u0165ovni nahl\u00e1sen\u00e1 aj <strong>\u0161koda na motorovom vozidle<\/strong>, kedy <strong>v d\u00f4sledku p\u00e1du muriva zo susedn\u00e9ho domu do\u0161lo k po\u0161kodeniu karos\u00e9rie a \u010deln\u00e9ho skla<\/strong>. V najbli\u017e\u0161\u00edch d\u0148och bud\u00fa hl\u00e1senia s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou e\u0161te prib\u00fada\u0165.<\/p>\n<p><strong>Ako postupova\u0165 po \u0161kodovej udalosti?<\/strong><\/p>\n<p><em>\u201eJe d\u00f4le\u017eit\u00e9, aby klienti poistn\u00fa udalos\u0165 bezodkladne nahl\u00e1sili a nevyhadzovali po\u0161koden\u00fd majetok, k\u00fdm pr\u00edde sp\u00f4soben\u00e9 \u0161kody zdokumentova\u0165 odborn\u00edk pois\u0165ovne. Od klienta pois\u0165ov\u0148a \u017eiada podrobn\u00fd popis po\u0161kodenia a inform\u00e1cie o predpokladanom po\u0161koden\u00ed statiky nehnute\u013enosti. Je dobr\u00e9, ak klienti po \u0161kodovej udalosti myslia aj na svojpomocn\u00fa fotodokument\u00e1ciu, v r\u00e1mci ktorej je potrebn\u00e9 d\u00f4kladne zaznamena\u0165 vzniknut\u00e9 \u0161kody \u2013 v pr\u00edpade nehnute\u013enosti z v\u00e4\u010d\u0161ej dia\u013eky a n\u00e1sledne urobi\u0165 aj detailnej\u0161ie z\u00e1bery,\u201c<\/em> uv\u00e1dza riadite\u013eka \u00daseku underwritingu a likvid\u00e1cie Jana Kuchtov\u00e1.<\/p>\n<p>Pois\u0165ovni pom\u00f4\u017eu tie\u017e fotografie nehnute\u013enosti, dom\u00e1cnosti, okrasnej z\u00e1hrady \u010di plotov pred ich po\u0161koden\u00edm. V pr\u00edpade zariadenia dom\u00e1cnosti a elektrospotrebi\u010dov s\u00fa pre pois\u0165ov\u0148u u\u017eito\u010dn\u00e9 nadob\u00fadacie doklady k po\u0161koden\u00fdm veciam, no nie s\u00fa nevyhnutn\u00e9. Rovnako plat\u00ed \u017ee klient by mal urobi\u0165 v\u0161etko preto, aby svoj majetok chr\u00e1nil a preto, ak by hrozilo, \u017ee by mohla vznikn\u00fa\u0165 v\u00e4\u010d\u0161ia \u0161koda jeho ne\u010dinnos\u0165ou, mal by sa postara\u0165 v r\u00e1mci svojich mo\u017enost\u00ed o minimaliz\u00e1ciu n\u00e1sledkov \u0161k\u00f4d.<\/p>\n<p><strong>Podpoistenie sp\u00f4sob\u00ed nepr\u00edjemnosti nielen v pr\u00edpade tot\u00e1lnej \u0161kody<\/strong><\/p>\n<p>Pois\u0165ov\u0148a upozor\u0148uje klientov, \u017ee pri poisten\u00ed majetku \u2013 nehnute\u013enosti aj dom\u00e1cnosti, je d\u00f4le\u017eit\u00e9, aby mali nastaven\u00e9 adekv\u00e1tne poistn\u00e9 sumy a v pr\u00edpade \u0161kody tak nedostali ni\u017e\u0161ie poistn\u00e9 plnenie. To m\u00f4\u017ee predstavova\u0165 probl\u00e9m predov\u0161etk\u00fdm pri tot\u00e1lnych \u0161kod\u00e1ch, ktor\u00e9 nastali aj v d\u00f4sledku zemetrasenia na v\u00fdchodnom Slovensku.<\/p>\n<p>V pr\u00edpade, \u017ee poistn\u00e1 suma nezodpoved\u00e1 re\u00e1lnej hodnote nehnute\u013enosti \u010di majetku, teda je podpoisten\u00e1, pri \u0161kodovej udalosti <strong>je&nbsp;<\/strong><strong>poistn\u00e9 plnenie zn\u00ed\u017een\u00e9 v rovnakom pomere ku \u0161kode, ako je poistn\u00e1 suma k skuto\u010dnej hodnote poisten\u00e9ho majetku<\/strong><strong>.<\/strong> \u201e<em>Ni\u017e\u0161ie poistn\u00e9 sumy s\u00fa pre mnoh\u00fdch ne\u0161\u0165astn\u00fdm rie\u0161en\u00edm, ako u\u0161etri\u0165. Najm\u00e4 pri \u0161kod\u00e1ch v\u00e4\u010d\u0161ieho rozsahu, ako s\u00fa moment\u00e1lne spadnut\u00e9 m\u00fary, strechy alebo naru\u0161en\u00e1 statika, a tot\u00e1lnych \u0161kod\u00e1ch, kedy je nehnute\u013enos\u0165 potrebn\u00e9 zb\u00fara\u0165, sa klienti v kone\u010dnom d\u00f4sledku len sami pripravia o v\u00e4\u010d\u0161iu sumu pe\u0148az\u00ed.<\/em><br \/>\n\t<em>Napr\u00edklad, ak je v zmluve uveden\u00e1 poistn\u00e1 suma ni\u017e\u0161ia o 30 %, ne\u017e je skuto\u010dn\u00e1 hodnota nehnute\u013enosti, pri \u0161kodovej udalosti aj pois\u0165ov\u0148a vyplat\u00ed o 30 % ni\u017e\u0161ie plnenie.<\/em><br \/>\n\t<em>\u010co predstavuje pri \u0161kod\u00e1ch v desiatkach tis\u00edcok eur zna\u010dn\u00fd probl\u00e9m,\u201c&nbsp;<\/em>vysvet\u013euje Jana Kuchtov\u00e1.<\/p>\n<p>Ak si klient neaktualizoval poistn\u00fa sumu viac ako 1 rok, m\u00e1 svoje b\u00fdvanie s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou podpoisten\u00e9. Klient sa podpoisteniu svojho majetku m\u00f4\u017ee vyhn\u00fa\u0165 dvomi sp\u00f4sobmi. Akceptova\u0165 nav\u00fd\u0161enie poistn\u00e9ho krytia zo strany pois\u0165ovne, tzv. index\u00e1ciu, alebo si nech\u00e1 prehodnoti\u0165 poistn\u00fa sumu na z\u00e1klade vlastn\u00e9ho z\u00e1ujmu.<\/p>\n","protected":false},"featured_media":0,"template":"","acf":[],"_links":{"self":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava\/4807"}],"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=4807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}