{"id":11239,"date":"2026-06-23T15:16:03","date_gmt":"2026-06-23T13:16:03","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11239"},"modified":"2026-06-23T15:16:05","modified_gmt":"2026-06-23T13:16:05","slug":"poistenie-nehnutelnosti-pri-burke-a-povodni-ako-vas-chrani-a-co-robit-pri-skode","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-nehnutelnosti-pri-burke-a-povodni-ako-vas-chrani-a-co-robit-pri-skode\/","title":{"rendered":"Poistenie nehnute\u013enosti pri b\u00farke a povodni: Ako v\u00e1s chr\u00e1ni a \u010do robi\u0165 pri \u0161kode"},"content":{"rendered":"\n<p><strong>Letn\u00e9 b\u00farky, kr\u00fapy \u010di pr\u00edvalov\u00e9 da\u017ede dok\u00e1\u017eu v priebehu nieko\u013ek\u00fdch min\u00fat sp\u00f4sobi\u0165 \u0161kody za tis\u00edce eur. Pr\u00e1ve pri \u017eiveln\u00fdch udalostiach sa uk\u00e1\u017ee, \u010di m\u00e1te spr\u00e1vne nastaven\u00e9 poistenie nehnute\u013enosti a \u010di va\u0161a poistka dok\u00e1\u017ee pokry\u0165 skuto\u010dn\u00fa hodnotu v\u00e1\u0161ho majetku.<\/strong><\/p>\n\n\n\n<p>Pod\u013ea najnov\u0161ieho prieskumu FinGO.sk si viac ako polovica \u013eud\u00ed (51 %) poistn\u00fa sumu pravidelne kontroluje a upravuje pod\u013ea aktu\u00e1lnej hodnoty nehnute\u013enosti. Takmer tretina (30 %) sa spolieha iba na automatick\u00e9 navy\u0161ovanie poistn\u00e9ho zo strany pois\u0165ovne. Zvy\u0161n\u00fdch 19 % poistn\u00e9 s\u00edce ka\u017edoro\u010dne uhrad\u00ed, no nastavenie zmluvy u\u017e \u010falej nerie\u0161i.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"410\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/06\/Prieskum-FinGO.sk-o-poisteni-bytu-a-domu.png\" alt=\"\" class=\"wp-image-11240\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/06\/Prieskum-FinGO.sk-o-poisteni-bytu-a-domu.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/06\/Prieskum-FinGO.sk-o-poisteni-bytu-a-domu-300x120.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/06\/Prieskum-FinGO.sk-o-poisteni-bytu-a-domu-768x308.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Pravideln\u00e9 platenie poistn\u00e9ho, aj ke\u010f v\u00e1m ho pois\u0165ov\u0148a nav\u00fd\u0161i, e\u0161te automaticky neznamen\u00e1, \u017ee je va\u0161a <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">nehnute\u013enos\u0165 poisten\u00e1<\/a> spr\u00e1vne. Poistn\u00e1 suma nemus\u00ed r\u00e1s\u0165 rovnak\u00fdm tempom ako hodnota majetku, najm\u00e4 po rekon\u0161trukcii, moderniz\u00e1cii domu \u010di bytu alebo pri raste cien nehnute\u013enost\u00ed.<\/p>\n\n\n\n<p>Riziko podpoistenia sa zvy\u0161uje aj v obdob\u00ed rast\u00facich cien stavebn\u00fdch pr\u00e1c a materi\u00e1lov. Pri \u0161kode tak m\u00f4\u017ee by\u0165 rozdiel medzi spr\u00e1vne nastavenou poistnou sumou a podpoisten\u00edm v\u00fdrazn\u00fd.<\/p>\n\n\n\n<ul>\n<li>Aj nov\u00e1 strecha, zateplenie, fotovoltick\u00e9 panely, rekon\u0161trukcia k\u00fape\u013ene \u010di nov\u00e1 kuchy\u0148a m\u00f4\u017eu v\u00fdrazne zv\u00fd\u0161i\u0165 hodnotu nehnute\u013enosti.<\/li>\n\n\n\n<li>Ka\u017ed\u00fa v\u00fdznamnej\u0161iu invest\u00edciu je preto vhodn\u00e9 premietnu\u0165 aj do poistnej zmluvy, aby poistn\u00e9 krytie zodpovedalo skuto\u010dnej hodnote majetku.<\/li>\n<\/ul>\n\n\n\n<h2>Ako sa m\u00f4\u017ee prejavi\u0165 podpoistenie?<\/h2>\n\n\n\n<p>Uk\u00e1\u017eme si to na pr\u00edklade. Ak m\u00e1 rodinn\u00fd dom re\u00e1lnu hodnotu 250 tis\u00edc eur, no poistn\u00e1 suma je nastaven\u00e1 len na 150 tis\u00edc eur, dom je podpoisten\u00fd o 40 percent. Pri \u0161kode m\u00f4\u017ee pois\u0165ov\u0148a skr\u00e1ti\u0165 plnenie v rovnakom pomere, \u010do z\u00e1sadne skomplikuje financovanie opravy.<\/p>\n\n\n\n<p><strong>PR\u00cdKLAD:<\/strong> Ak siln\u00e1 v\u00edchrica po\u0161kod\u00ed strechu a oprava stoj\u00ed 20 000 eur, pois\u0165ov\u0148a pri podpoisten\u00ed o 40 percent vyplat\u00ed iba 12 000 eur. Zvy\u0161n\u00fdch 8 000 eur mus\u00ed majite\u013e doplati\u0165 z vlastn\u00fdch zdrojov.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=majetok_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/05\/kakulacka-poistenie-majetku-fingo-2.gif\" alt=\"\" class=\"wp-image-7438\"\/><\/a><\/figure>\n\n\n\n<p>Podobn\u00e1 situ\u00e1cia m\u00f4\u017ee nasta\u0165 aj pri povodni. Ak pr\u00edvalov\u00e9 da\u017ede zaplavia pr\u00edzemie domu a po\u0161kodia podlahy, omietky, elektroin\u0161tal\u00e1ciu \u010di zariadenie dom\u00e1cnosti, celkov\u00e1 \u0161koda sa m\u00f4\u017ee vy\u0161plha\u0165 na 30 000 eur. V pr\u00edpade podpoistenia o 40 percent pois\u0165ov\u0148a vyplat\u00ed pribli\u017ene 18 000 eur, zatia\u013e \u010do zvy\u0161n\u00fdch 12 000 eur bude musie\u0165 majite\u013e uhradi\u0165 z vlastn\u00fdch pe\u0148az\u00ed.<\/p>\n\n\n\n<p>Pozor! Ide o zjednodu\u0161en\u00e9 pr\u00edklady, ke\u010f\u017ee pois\u0165ovne k pr\u00edpadom podpoistenia pristupuj\u00fa individu\u00e1lne. V\u00fd\u0161ka poistn\u00e9ho plnenia v\u017edy z\u00e1vis\u00ed od konkr\u00e9tnej situ\u00e1cie, rozsahu \u0161kody aj od podmienok poistnej zmluvy.<\/p>\n\n\n\n<h2>\u0160kody nekon\u010dia pri sten\u00e1ch a podlah\u00e1ch<\/h2>\n\n\n\n<p>Pri povodniach a z\u00e1plav\u00e1ch \u010dasto nejde iba o po\u0161koden\u00e9 m\u00fary \u010di podlahy. Nezab\u00fadajte, \u017ee aj \u0161kody na vybaven\u00ed dom\u00e1cnosti sa m\u00f4\u017eu vy\u0161plha\u0165 na vysok\u00e9 sumy. Pr\u00edkladom m\u00f4\u017ee by\u0165 zatopen\u00e1 kuchy\u0148a, kde navlhnut\u00e1 linka a spotrebi\u010de m\u00f4\u017eu predstavova\u0165 \u0161kodu nieko\u013eko tis\u00edc eur. Pri rodinnom dome m\u00f4\u017ee voda po\u0161kodi\u0165 aj kotol, tepeln\u00e9 \u010derpadlo alebo elektrick\u00e9 rozvody, ktor\u00fdch oprava b\u00fdva finan\u010dne n\u00e1ro\u010dn\u00e1.<\/p>\n\n\n\n<ul>\n<li>Poistenie nehnute\u013enosti sa vz\u0165ahuje na samotn\u00fd dom alebo byt, teda napr\u00edklad na po\u0161koden\u00e9 steny, podlahy, m\u00fary aj n\u00e1klady spojen\u00e9 s ich opravami.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">Poistenie dom\u00e1cnosti<\/a> zase chr\u00e1ni vybavenie a veci, ktor\u00e9 sa v nehnute\u013enosti nach\u00e1dzaj\u00fa.<\/li>\n\n\n\n<li>V praxi sa v\u0161ak \u010dasto stret\u00e1vame s t\u00fdm, \u017ee \u013eudia myslia iba na stavbu a zab\u00fadaj\u00fa na vybavenie vo vn\u00fatri.<\/li>\n<\/ul>\n\n\n\n<h2>Aj fotovoltick\u00e9 panely si vy\u017eaduj\u00fa pozornos\u0165<\/h2>\n\n\n\n<p>V\u00fdznam poistenia rastie aj s prib\u00fadaj\u00facim po\u010dtom dom\u00e1cnost\u00ed, ktor\u00e9 investuj\u00fa do fotovoltick\u00fdch panelov. Aj tie s\u00fa vystaven\u00e9 viacer\u00fdm rizik\u00e1m, ktor\u00e9 m\u00f4\u017eu sp\u00f4sobi\u0165 \u0161kody v hodnote tis\u00edcov eur.<\/p>\n\n\n\n<ul>\n<li>Priamy \u00fader blesku m\u00f4\u017ee po\u0161kodi\u0165 kabel\u00e1\u017e, meni\u010d, samotn\u00e9 panely aj \u010fal\u0161ie elektronick\u00e9 s\u00fa\u010dasti fotovoltick\u00e9ho syst\u00e9mu.<\/li>\n\n\n\n<li>Nepriamy \u00fader blesku zase \u010dasto sp\u00f4sobuje prep\u00e4tie, ktor\u00e9 m\u00f4\u017ee vies\u0165 k \u010fal\u0161\u00edm \u0161kod\u00e1m. Medzi najz\u00e1va\u017enej\u0161ie n\u00e1sledky pritom patr\u00ed vznik po\u017eiaru.<\/li>\n\n\n\n<li>Rizikom je aj siln\u00fd vietor, krupobitie \u010di padaj\u00face predmety. V extr\u00e9mnych pr\u00edpadoch m\u00f4\u017ee d\u00f4js\u0165 k uvo\u013eneniu alebo odtrhnutiu panelov, \u010do m\u00f4\u017ee sp\u00f4sobi\u0165 \u0161kodu nielen majite\u013eovi nehnute\u013enosti, ale aj tret\u00edm osob\u00e1m.<\/li>\n\n\n\n<li>Kr\u00fapy alebo padaj\u00face kon\u00e1re m\u00f4\u017eu panely rozbi\u0165 alebo vytvori\u0165 mikrotrhliny, ktor\u00e9 zni\u017euj\u00fa ich v\u00fdkon a \u017eivotnos\u0165.<\/li>\n\n\n\n<li>Probl\u00e9mom m\u00f4\u017ee by\u0165 aj zate\u010denie da\u017e\u010fovej vody \u010di po\u0161kodenie syst\u00e9mu pri z\u00e1plav\u00e1ch.<\/li>\n<\/ul>\n\n\n\n<p>Pri in\u0161tal\u00e1cii fotovoltiky si preto overte, \u010di va\u0161e poistenie zah\u0155\u0148a aj tieto zariadenia a \u010di poistn\u00e9 krytie zodpoved\u00e1 ich aktu\u00e1lnej hodnote.<\/p>\n\n\n\n<h2>Ne\u010dakajte, k\u00fdm udr\u00fa \u017eivly<\/h2>\n\n\n\n<p>Myslite na to, \u017ee na poistenie b\u00fdvania by ste nemali myslie\u0165 len pri jeho uzatv\u00e1ran\u00ed. Poistn\u00fa zmluvu je dobr\u00e9 pravidelne prehodnocova\u0165, ide\u00e1lne ka\u017ed\u00e9 dva a\u017e tri roky, a tie\u017e po ka\u017edej v\u00fdznamnej zmene v dom\u00e1cnosti \u010di na nehnute\u013enosti, napr\u00edklad po rekon\u0161trukcii alebo k\u00fape hodnotnej\u0161ieho vybavenia.<\/p>\n\n\n\n<p>D\u00f4vodom nie je len riziko podpoistenia, ale aj mo\u017enos\u0165 vyu\u017ei\u0165 v\u00fdhodnej\u0161ie podmienky, \u0161ir\u0161ie krytie \u010di nov\u00e9 slu\u017eby, ktor\u00e9 pois\u0165ovne priebe\u017ene prin\u00e1\u0161aj\u00fa.<\/p>\n\n\n\n<p><strong><em>\u010co v\u0161etko asisten\u010dn\u00e9 slu\u017eby pon\u00fakaj\u00fa, n\u00e1jdete aj v <a href=\"https:\/\/www.fingo.sk\/blog\/zabuchnute-dvere-ci-porucha-pomozu-asistencne-sluzby\/\">tomto \u010dl\u00e1nku<\/a>. <\/em><\/strong><\/p>\n\n\n\n<h2>Ako postupova\u0165 po \u017eivelnej udalosti?<\/h2>\n\n\n\n<p>Ak u\u017e d\u00f4jde k po\u0161kodeniu majetku, prv\u00e9 kroky m\u00f4\u017eu v\u00fdrazne ovplyvni\u0165 priebeh rie\u0161enia \u0161kodovej udalosti.<\/p>\n\n\n\n<ul>\n<li>\u010co najsk\u00f4r n\u00e1jdite svoju poistn\u00fa zmluvu alebo si pripravte jej \u010d\u00edslo a kontaktujte asisten\u010dn\u00fa slu\u017ebu pois\u0165ovne.<\/li>\n\n\n\n<li>Asisten\u010dn\u00e1 slu\u017eba pois\u0165ovne v\u00e1m pom\u00f4\u017ee zorientova\u0165 sa v situ\u00e1cii, m\u00f4\u017ee zabezpe\u010di\u0165 napr\u00edklad havarijn\u00e9 pr\u00e1ce, od\u010derpanie vody, upratovanie, vysu\u0161enie priestorov, pr\u00edpadne n\u00e1hradn\u00e9 ubytovanie, ak je va\u0161a dom\u00e1cnos\u0165 do\u010dasne neob\u00fdvate\u013en\u00e1.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>\u0160kodu \u010do najsk\u00f4r nahl\u00e1ste aj pois\u0165ovni. Urobi\u0165 tak m\u00f4\u017eete online, telefonicky alebo osobne. T\u00e1 v\u00e1m porad\u00ed, na \u010do m\u00e1te n\u00e1rok a povie \u010fal\u0161\u00ed postup.<\/li>\n\n\n\n<li>Po\u0161koden\u00fd majetok si d\u00f4kladne zdokumentujte. Pred odstra\u0148ovan\u00edm \u0161k\u00f4d urobte fotografie alebo video po\u0161koden\u00fdch priestorov a vec\u00ed.<\/li>\n\n\n\n<li>Zabr\u00e1\u0148te vzniku \u010fal\u0161\u00edch \u0161k\u00f4d. Ak je potrebn\u00fd okam\u017eit\u00fd z\u00e1sah (napr\u00edklad od\u010derpanie vody, prekrytie po\u0161kodenej strechy \u010di odstr\u00e1nenie nebezpe\u010dn\u00fdch predmetov), vykonajte nevyhnutn\u00e9 opatrenia.<\/li>\n\n\n\n<li>Ria\u010fte sa pokynmi pois\u0165ovne. Pred v\u00e4\u010d\u0161\u00edmi opravami je vhodn\u00e9 po\u010dka\u0165 na obhliadku technikom z pois\u0165ovne, \u010dast\u00e9 s\u00fa aj videoobhliadky.<\/li>\n\n\n\n<li>Odkladajte v\u0161etky doklady. Fakt\u00fary, blo\u010dky a doklady s\u00favisiace s opravami po\u0161koden\u00e9ho majetku m\u00f4\u017eete potrebova\u0165 pri likvid\u00e1cii poistnej udalosti.<\/li>\n\n\n\n<li>Komunikujte s pois\u0165ov\u0148ou po\u010das cel\u00e9ho procesu. Doplnenie v\u0161etk\u00fdch podkladov pom\u00e1ha ur\u00fdchli\u0165 vybavenie poistnej udalosti. Po ukon\u010den\u00ed \u0161etrenia v\u00e1m pois\u0165ov\u0148a spravidla po\u0161le poistn\u00e9 plnenie v priebehu nieko\u013ek\u00fdch dn\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2>Konzultujte nastavenie poistky s odborn\u00edkom<\/h2>\n\n\n\n<p>B\u00farkam, povodniam \u010di in\u00fdm \u017eiveln\u00fdm udalostiam sa ned\u00e1 vyhn\u00fa\u0165. Mnoh\u00ed \u013eudia si, \u017eia\u013e, v\u00fdznam poistenia uvedomia a\u017e vo chv\u00edli, ke\u010f ich zasiahne ne\u010dakan\u00e1 udalos\u0165. <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">Kvalitne nastaven\u00e9 poistenie<\/a> v\u00e1m v\u0161ak pom\u00f4\u017ee zvl\u00e1dnu\u0165 n\u00e1ro\u010dn\u00fa situ\u00e1ciu, ur\u00fdchli\u0165 obnovu po\u0161koden\u00e9ho majetku a poskytn\u00fa\u0165 va\u0161ej rodine potrebn\u00fa finan\u010dn\u00fa istotu.<\/p>\n\n\n\n<p>Myslite na to, \u017ee spr\u00e1vne nastavenie poistenia si vy\u017eaduje individu\u00e1lny pr\u00edstup. Sk\u00fasen\u00fd <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00fd sprostredkovate\u013e <\/a>dok\u00e1\u017ee pos\u00fadi\u0165, \u010di je rozsah v\u00e1\u0161ho poistn\u00e9ho krytia dostato\u010dn\u00fd, upozorn\u00ed v\u00e1s na pr\u00edpadn\u00e9 medzery a odporu\u010d\u00ed rie\u0161enie zodpovedaj\u00face va\u0161im potreb\u00e1m.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_property\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=property\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Letn\u00e9 b\u00farky, kr\u00fapy \u010di pr\u00edvalov\u00e9 da\u017ede dok\u00e1\u017eu v priebehu nieko\u013ek\u00fdch min\u00fat sp\u00f4sobi\u0165 \u0161kody za tis\u00edce eur. Pr\u00e1ve pri \u017eiveln\u00fdch udalostiach sa uk\u00e1\u017ee, \u010di m\u00e1te spr\u00e1vne nastaven\u00e9 poistenie nehnute\u013enosti a \u010di va\u0161a poistka dok\u00e1\u017ee pokry\u0165 skuto\u010dn\u00fa hodnotu v\u00e1\u0161ho majetku. Pod\u013ea najnov\u0161ieho prieskumu FinGO.sk si viac ako polovica \u013eud\u00ed (51 %) poistn\u00fa sumu pravidelne kontroluje a upravuje pod\u013ea aktu\u00e1lnej hodnoty nehnute\u013enosti. Takmer tretina (30 %) sa spolieha iba na automatick\u00e9 navy\u0161ovanie poistn\u00e9ho zo strany pois\u0165ovne. Zvy\u0161n\u00fdch 19 % poistn\u00e9 s\u00edce ka\u017edoro\u010dne uhrad\u00ed, no nastavenie zmluvy u\u017e \u010falej nerie\u0161i. Pravideln\u00e9 platenie poistn\u00e9ho, aj ke\u010f v\u00e1m ho pois\u0165ov\u0148a nav\u00fd\u0161i, e\u0161te automaticky neznamen\u00e1, \u017ee je va\u0161a nehnute\u013enos\u0165 poisten\u00e1 spr\u00e1vne. Poistn\u00e1 suma nemus\u00ed r\u00e1s\u0165 rovnak\u00fdm tempom ako hodnota majetku, najm\u00e4 po rekon\u0161trukcii, moderniz\u00e1cii domu \u010di bytu alebo pri raste cien nehnute\u013enost\u00ed. Riziko podpoistenia sa zvy\u0161uje aj v obdob\u00ed rast\u00facich cien stavebn\u00fdch pr\u00e1c a materi\u00e1lov. Pri \u0161kode tak m\u00f4\u017ee by\u0165 rozdiel medzi spr\u00e1vne nastavenou poistnou sumou a podpoisten\u00edm v\u00fdrazn\u00fd. Ako sa m\u00f4\u017ee prejavi\u0165 podpoistenie? Uk\u00e1\u017eme si to na pr\u00edklade. Ak m\u00e1 rodinn\u00fd dom re\u00e1lnu hodnotu 250 tis\u00edc eur, no poistn\u00e1 suma je nastaven\u00e1 len na 150 tis\u00edc eur, dom je podpoisten\u00fd o 40 percent. Pri \u0161kode m\u00f4\u017ee pois\u0165ov\u0148a skr\u00e1ti\u0165 plnenie v rovnakom pomere, \u010do z\u00e1sadne skomplikuje financovanie [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":11242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75,16],"tags":[59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako chr\u00e1ni poistenie nehnute\u013enosti pri b\u00farke \u010di povodni - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ako m\u00e1 by\u0165 nastaven\u00e9 poistenie nehnute\u013enosti pri b\u00farke, povodni \u010di krupobit\u00ed? 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