{"id":9620,"date":"2025-12-01T13:13:00","date_gmt":"2025-12-01T12:13:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=9620"},"modified":"2025-12-16T10:09:20","modified_gmt":"2025-12-16T09:09:20","slug":"5-rad-o-poisteni-v-zime-poistenie-nehnutelnosti","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/5-rad-o-poisteni-v-zime-poistenie-nehnutelnosti\/","title":{"rendered":"5 r\u00e1d o poisten\u00ed v zime: Pozor na prasknut\u00e9 potrubia, zosuvy snehu \u010di \u0161myk\u013eav\u00e9 chodn\u00edky"},"content":{"rendered":"\n<p><strong>Mr\u00e1z, sneh \u010di v\u00edchrica vedia nap\u00e1cha\u0165 nemal\u00e9 \u0161kody. Prasknut\u00e9 potrubia, p\u00e1dy na \u0161myk\u013eav\u00fdch chodn\u00edkoch, ale aj po\u017eiare kv\u00f4li zne\u010disten\u00fdm kom\u00ednom ka\u017edoro\u010dne po\u010das zimy patria k \u010dast\u00fdm poistn\u00fdm udalostiam. Vedeli ste, \u017ee pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee zamietnu\u0165 poistn\u00e9 plnenie, ak zanedb\u00e1te svoje povinnosti? Pre\u010d\u00edtajte si, na \u010do myslie\u0165 pri \u00fadr\u017ebe nehnute\u013enost\u00ed a ako si vybra\u0165 najlep\u0161ie poistenie nehnute\u013enosti.<\/strong><\/p>\n\n\n\n<p>Aj \u0161kody pri zimn\u00fdch poistn\u00fdch udalostiach dok\u00e1\u017eete vykry\u0165 <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">z poistenia nehnute\u013enosti<\/a>, dom\u00e1cnosti a zodpovednosti. Podmienkou pre vyplatenie poistn\u00e9ho plnenia ale je, \u017ee va\u0161a nehnute\u013enos\u0165 nesmie by\u0165 zanedban\u00e1. \u010co to v praxi znamen\u00e1?<\/p>\n\n\n\n<p>Ak svoju nehnute\u013enos\u0165 neudr\u017eiavate v dobrom technickom stave \u010di zanedb\u00e1te rev\u00edzie d\u00f4le\u017eit\u00fdch s\u00fa\u010dast\u00ed stavby alebo spotrebi\u010dov, pois\u0165ov\u0148a v\u00e1m niektor\u00e9 vzniknut\u00e9 \u0161kody nemus\u00ed preplati\u0165. Net\u00fdka sa to len rodinn\u00fdch domov, ale aj chal\u00fap alebo bytov, resp. bytov\u00fdch domov. Z na\u0161ich sk\u00fasenost\u00ed aj v bytoch vznikaj\u00fa \u010dastej\u0161ie poistn\u00e9 udalosti, ke\u010f\u017ee bytovky starn\u00fa, hroz\u00ed pri nich vy\u0161\u0161ie riziko por\u00fach a mnoh\u00fdm ch\u00fdbaj\u00fa rev\u00edzie.<\/p>\n\n\n\n<p>Po\u010fme sa bli\u017e\u0161ie pozrie\u0165, \u010do v\u0161etko sa v zime m\u00f4\u017ee prihodi\u0165\u2026&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">1. Prasknut\u00e9 potrubia v pivniciach, suter\u00e9noch \u010di na chalupe<\/h2>\n\n\n\n<p>Mr\u00e1z najviac ohrozuje potrubia s rozvodmi vody, ktor\u00e9 ved\u00fa mimo budov. Extr\u00e9mny mr\u00e1z m\u00f4\u017ee sp\u00f4sobi\u0165 napr\u00edklad zamrznutie alebo prasknutie rozvodov veden\u00fdch v nevykurovan\u00fdch priestoroch v pivniciach, suter\u00e9noch, hospod\u00e1rskych budov\u00e1ch alebo v neob\u00fdvan\u00fdch rekrea\u010dn\u00fdch chalup\u00e1ch.<\/p>\n\n\n\n<p>Pokia\u013e je potrubie ulo\u017een\u00e9 v zemi a praskne, m\u00f4\u017eu v\u00e1m navy\u0161e vznikn\u00fa\u0165 aj \u010fal\u0161ie, pomerne vysok\u00e9 n\u00e1klady spojen\u00e9 s identifik\u00e1ciou miesta po\u0161kodenia.&nbsp;<\/p>\n\n\n\n<ul>\n<li>Preto sa v chalup\u00e1ch mimo sez\u00f3ny odpor\u00fa\u010da uzavrie\u0165 hlavn\u00fd uz\u00e1ver vody. To ist\u00e9 plat\u00ed pre rodinn\u00e9 domy alebo byty neob\u00fdvan\u00e9 nieko\u013eko dn\u00ed napr\u00edklad po\u010das zimnej dovolenky, dlh\u0161ej hospitaliz\u00e1cie a podobne.&nbsp;<\/li>\n\n\n\n<li>Pokia\u013e nie je k\u00farenie v prev\u00e1dzke, po\u010das vykurovacieho obdobia nezabudnite v\u0161etky vodovodn\u00e9 potrubia a zariadenia vypr\u00e1zdni\u0165, pr\u00edpadne ich zabezpe\u010di\u0165 ochrann\u00fdmi prostriedkami proti mrazu.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Pozor! <\/strong>Poru\u0161enie t\u00fdchto bezpe\u010dnostn\u00fdch opatren\u00ed niektor\u00e9 pois\u0165ovne m\u00f4\u017eu pova\u017eova\u0165 za nedbanlivos\u0165 a vodovodn\u00e9 \u0161kody sp\u00f4soben\u00e9 prasknut\u00edm potrubia zamietnu plni\u0165.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj n\u00e1\u0161 \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/na-co-sluzi-poistenie-nehnutelnosti\/\"><strong><em>Na \u010do sl\u00fa\u017ei poistenie nehnute\u013enosti&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">2. \u0160kody po v\u00edchrici \u010di silnom sne\u017een\u00ed aj na ved\u013eaj\u0161\u00edch stavb\u00e1ch<\/h2>\n\n\n\n<p>Nepr\u00edjemn\u00fdm prejavom po\u010dasia v zime b\u00fdva aj b\u00farliv\u00fd vietor alebo v\u00edchrica. Ak sa k vetru prid\u00e1 sne\u017eenie a mraziv\u00e9 po\u010dasie, \u0161kody s\u00fa frekventovanej\u0161ie a ich rozsah je e\u0161te v\u00e4\u010d\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<ul>\n<li>Preverte si, \u010di sa va\u0161e poistenie nehnute\u013enosti vz\u0165ahuje aj na ved\u013eaj\u0161ie stavby a objekty.&nbsp;<\/li>\n\n\n\n<li>Intenz\u00edvne snehov\u00e9 zr\u00e1\u017eky a ich tia\u017e s\u00fa toti\u017e naj\u010dastej\u0161ou pr\u00ed\u010dinou po\u0161kodenia striech, \u017e\u013eabov, pr\u00edstre\u0161kov, alt\u00e1nkov, zastre\u0161en\u00ed baz\u00e9nov a \u010fal\u0161\u00edch objektov.<\/li>\n\n\n\n<li>Sneh aj v kombin\u00e1cii s vetrom m\u00f4\u017ee sp\u00f4sobi\u0165 aj nebezpe\u010dn\u00fd p\u00e1d stromov, sto\u017eiarov a in\u00fdch predmetov.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Pozor! <\/strong>Op\u00e4\u0165 plat\u00ed, \u017ee pois\u0165ovne maj\u00fa pr\u00e1vo odmietnu\u0165 vyplatenie poistn\u00e9ho plnenia, pokia\u013e objekty zni\u010den\u00e9 snehom a \u013eadom boli neudr\u017eiavan\u00e9 a v nevyhovuj\u00facom technickom stave.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 593px; width: 110%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 1300px; width: 100%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">3. \u0160myk\u013eav\u00fd chodn\u00edk \u010di zosuv snehu zo strechy a zodpovednos\u0165<\/h2>\n\n\n\n<p>Myslite na to, \u017ee \u0161kody sp\u00f4soben\u00e9 mrazom, snehom, vetrom alebo ich vz\u00e1jomnou kombin\u00e1ciou m\u00f4\u017eu ohrozi\u0165 nielen v\u00e1\u0161 majetok a zdravie, ale aj tretie strany. M\u00f4\u017ee \u00eds\u0165 o va\u0161u n\u00e1v\u0161tevu, susedov \u010di okoloid\u00facich chodcov a<em> <\/em>pr\u00e1ve na tieto situ\u00e1cie v\u00e1m posl\u00fa\u017ei <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poistenie zodpovednosti.&nbsp;<\/a><\/p>\n\n\n\n<p class=\"has-black-color has-text-color\">\u010co v\u0161etko s\u00favis\u00ed s poisten\u00edm zodpovednosti?<\/p>\n\n\n\n<ul>\n<li>Predstavte si neodhrnut\u00fd \u0161myk\u013eav\u00fd chodn\u00edk na dvore, na ktorom si po\u0161tov\u00e1 doru\u010dovate\u013eka zlom\u00ed nohu.&nbsp;<\/li>\n\n\n\n<li>P\u00f4soben\u00edm siln\u00e9ho vetra z v\u00e1\u0161ho rodinn\u00e9ho domu sa m\u00f4\u017eu uvo\u013eni\u0165 nedostato\u010dne upevnen\u00e9 stavebn\u00e9 s\u00fa\u010dasti, ktor\u00e9 po\u0161kodia majetok susedov.&nbsp;<\/li>\n\n\n\n<li>Neobvykl\u00fd nie je ani p\u00e1d stromov, ktor\u00fd m\u00f4\u017ee skon\u010di\u0165 na zaparkovanom aute va\u0161ej n\u00e1v\u0161tevy \u010di suseda<\/li>\n\n\n\n<li>Aj zosuv snehovej pokr\u00fdvky z va\u0161ej strechy, ktor\u00fd spadne na prech\u00e1dzaj\u00faceho chodca, m\u00f4\u017eete rie\u0161i\u0165 z poistenia zodpovednosti.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pozor! <\/strong>Podobn\u00fdch pr\u00edpadov je mnoho a aj vy\u010d\u00edslenie tak\u00fdchto \u0161k\u00f4d v\u00e1s m\u00f4\u017ee poriadne zasko\u010di\u0165.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">4. Zne\u010disten\u00e9 kom\u00edny: Bez rev\u00edzie v\u00e1m pois\u0165ov\u0148a \u0161kodu nepreplat\u00ed&nbsp;<\/h2>\n\n\n\n<p>V zime nie s\u00fa neobvykl\u00e9 ani <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-poziaru\/\">po\u017eiare<\/a> z d\u00f4vodu zlyhania vykurovac\u00edch syst\u00e9mov. Nezab\u00fadajte preto na rev\u00edzie vykurovac\u00edch zariaden\u00ed, kotlov a kom\u00ednov.<\/p>\n\n\n\n<ul>\n<li>Pr\u00e1ve zanedban\u00e1 rev\u00edzia a \u010distenie kom\u00ednov s\u00fa popri poruch\u00e1ch elektronick\u00fdch zariaden\u00ed naj\u010dastej\u0161\u00edmi pr\u00ed\u010dinami po\u017eiarov.&nbsp;<\/li>\n\n\n\n<li>Pre rodinn\u00e9 domy, bytov\u00e9 domy a pre administrat\u00edvne budovy platia samostatn\u00e9 vyhl\u00e1\u0161ky, ktor\u00e9 stanovuj\u00fa frekvenciu a rozsah potrebn\u00fdch rev\u00edzi\u00ed.<\/li>\n\n\n\n<li>Napr\u00edklad ak vlastn\u00edte dom s kom\u00ednom, mus\u00edte uskuto\u010dni\u0165 rev\u00edziu kom\u00edna aj dymovodu s napojen\u00fdm vykurovac\u00edm telesom aspo\u0148 raz ro\u010dne.<\/li>\n<\/ul>\n\n\n\n<p>Vedeli ste, \u017ee naj\u010dastej\u0161ou pr\u00ed\u010dinou vzniku po\u017eiarov sp\u00f4soben\u00fdch kom\u00ednmi je vyhorenie sadz\u00ed, ktor\u00e9 vznik\u00e1 z d\u00f4vodu zanedban\u00e9ho \u010distenia kom\u00edna? Riziko vyhorenia sadz\u00ed hroz\u00ed u\u017e pri 3 mm vrstve. Navy\u0161e, so zne\u010disten\u00fdm kom\u00ednom riskujete aj priotr\u00e1venie oxidom uho\u013enat\u00fdm, ktor\u00fd unik\u00e1 do miestnosti.<\/p>\n\n\n\n<p>Vy\u010disti\u0165 by ste mali nielen kom\u00edn, na ktor\u00fd je napojen\u00fd krb alebo pec, ale aj kom\u00edn, ku ktor\u00e9mu je pripojen\u00fd kondenza\u010dn\u00fd kotol.&nbsp;<\/p>\n\n\n\n<p><strong>Pozor! <\/strong>Doklad o rev\u00edzii kom\u00edna a o pravidelnej servisnej prehliadke kotla bude v pr\u00edpade po\u017eiaru sp\u00f4soben\u00e9ho poruchou kom\u00edna \u017eiada\u0165 aj pois\u0165ov\u0148a. Bez spr\u00e1vy vystavenej odborn\u00edkom pois\u0165ovne \u0161kody sp\u00f4soben\u00e9 po\u017eiarom nepreplatia.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">5. Skontrolujte, \u010do v\u0161etko (ne)obsahuje va\u0161e poistenie nehnute\u013enosti<\/h2>\n\n\n\n<p>\u0160kody na samotn\u00fdch stavb\u00e1ch, na vybaven\u00ed dom\u00e1cnosti a aj zo zodpovednosti sa m\u00f4\u017eu vy\u0161plha\u0165 aj na desiatky tis\u00edc. Dok\u00e1\u017eete ich pokry\u0165 z komplexn\u00e9ho poistenia v\u00e1\u0161ho b\u00fdvania, ktor\u00e9 by malo pokr\u00fdva\u0165 v\u0161etky d\u00f4le\u017eit\u00e9 rizik\u00e1, a to aj vzh\u013eadom na lokalitu, kde sa va\u0161a nehnute\u013enos\u0165 nach\u00e1dza.&nbsp;<\/p>\n\n\n\n<ul>\n<li>Nezabudnite, \u017ee ak vlastn\u00edte rodinn\u00fd dom, byt alebo chalupu, mali by ste ma\u0165 <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poisten\u00fa nehnute\u013enos\u0165<\/a>, dom\u00e1cnos\u0165 aj zodpovednos\u0165, a to na re\u00e1lnu poistn\u00fa sumu.&nbsp;<\/li>\n\n\n\n<li>Inak v\u00e1m hroz\u00ed podpoistenie a kr\u00e1tenie poistn\u00e9ho plnenia, \u010di\u017ee v\u00e1m pois\u0165ov\u0148a m\u00f4\u017ee vyplati\u0165 menej pe\u0148az\u00ed ako budete re\u00e1lne potrebova\u0165.&nbsp;<\/li>\n\n\n\n<li>Ak m\u00e1te va\u0161u nehnute\u013enos\u0165 podpoisten\u00fa, nem\u00e1te poisten\u00e9 v\u0161etky zlo\u017eky alebo dokonca nemaj\u00fa uzavret\u00e9 \u017eiadne poistenie, riskujete finan\u010dn\u00e9 probl\u00e9my.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj n\u00e1\u0161 \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/overte-si-ci-nemate-vasu-nehnutelnost-podpoistenu-mozete-usetrit-tisice-eur\/\"><strong><em>Overte si, \u010di nem\u00e1te va\u0161u nehnute\u013enos\u0165 podpoisten\u00fa.&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Sme tu pre v\u00e1s<\/h2>\n\n\n\n<p>Vrtochy zimn\u00e9ho po\u010dasia skuto\u010dne netreba podce\u0148ova\u0165. Nechajte si bezplatne a nez\u00e1v\u00e4zne skontrolova\u0165 va\u0161u poistn\u00fa zmluvu, aby ste vedeli, \u017ee v\u00e1s pred nepredv\u00eddan\u00fdmi situ\u00e1ciami chr\u00e1ni dostato\u010dne.&nbsp;<\/p>\n\n\n\n<p>\u010ci u\u017e postenie nehnute\u013enosti m\u00e1te alebo nie, nev\u00e1hajte a zavolajte n\u00e1m do FinGO.sk na 0800 60 10 60, pr\u00edpadne n\u00e1m zanechajte kontaktn\u00e9 \u00fadaje vo formul\u00e1ri ni\u017e\u0161ie. Na\u0161i profesion\u00e1lni a sk\u00fasen\u00ed finan\u010dn\u00ed sprostredkovatelia v\u00e1m s poisten\u00edm b\u00fdvania radi pom\u00f4\u017eu.&nbsp;<\/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\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Mr\u00e1z, sneh \u010di v\u00edchrica vedia nap\u00e1cha\u0165 nemal\u00e9 \u0161kody. Prasknut\u00e9 potrubia, p\u00e1dy na \u0161myk\u013eav\u00fdch chodn\u00edkoch, ale aj po\u017eiare kv\u00f4li zne\u010disten\u00fdm kom\u00ednom ka\u017edoro\u010dne po\u010das zimy patria k \u010dast\u00fdm poistn\u00fdm udalostiam. Vedeli ste, \u017ee pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee zamietnu\u0165 poistn\u00e9 plnenie, ak zanedb\u00e1te svoje povinnosti? Pre\u010d\u00edtajte si, na \u010do myslie\u0165 pri \u00fadr\u017ebe nehnute\u013enost\u00ed a ako si vybra\u0165 najlep\u0161ie poistenie nehnute\u013enosti. Aj \u0161kody pri zimn\u00fdch poistn\u00fdch udalostiach dok\u00e1\u017eete vykry\u0165 z poistenia nehnute\u013enosti, dom\u00e1cnosti a zodpovednosti. Podmienkou pre vyplatenie poistn\u00e9ho plnenia ale je, \u017ee va\u0161a nehnute\u013enos\u0165 nesmie by\u0165 zanedban\u00e1. \u010co to v praxi znamen\u00e1? Ak svoju nehnute\u013enos\u0165 neudr\u017eiavate v dobrom technickom stave \u010di zanedb\u00e1te rev\u00edzie d\u00f4le\u017eit\u00fdch s\u00fa\u010dast\u00ed stavby alebo spotrebi\u010dov, pois\u0165ov\u0148a v\u00e1m niektor\u00e9 vzniknut\u00e9 \u0161kody nemus\u00ed preplati\u0165. Net\u00fdka sa to len rodinn\u00fdch domov, ale aj chal\u00fap alebo bytov, resp. bytov\u00fdch domov. Z na\u0161ich sk\u00fasenost\u00ed aj v bytoch vznikaj\u00fa \u010dastej\u0161ie poistn\u00e9 udalosti, ke\u010f\u017ee bytovky starn\u00fa, hroz\u00ed pri nich vy\u0161\u0161ie riziko por\u00fach a mnoh\u00fdm ch\u00fdbaj\u00fa rev\u00edzie. Po\u010fme sa bli\u017e\u0161ie pozrie\u0165, \u010do v\u0161etko sa v zime m\u00f4\u017ee prihodi\u0165\u2026&nbsp; 1. Prasknut\u00e9 potrubia v pivniciach, suter\u00e9noch \u010di na chalupe Mr\u00e1z najviac ohrozuje potrubia s rozvodmi vody, ktor\u00e9 ved\u00fa mimo budov. Extr\u00e9mny mr\u00e1z m\u00f4\u017ee sp\u00f4sobi\u0165 napr\u00edklad zamrznutie alebo prasknutie rozvodov veden\u00fdch v nevykurovan\u00fdch priestoroch v pivniciach, suter\u00e9noch, hospod\u00e1rskych budov\u00e1ch alebo v neob\u00fdvan\u00fdch [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":9623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[16],"tags":[115,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 r\u00e1d o poisten\u00ed v zime - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Mr\u00e1z, sneh \u010di v\u00edchrica vedia nap\u00e1cha\u0165 nemal\u00e9 \u0161kody. 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