{"id":985,"date":"2021-05-19T08:18:26","date_gmt":"2021-05-19T06:18:26","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=985"},"modified":"2024-10-02T17:03:44","modified_gmt":"2024-10-02T15:03:44","slug":"mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam\/","title":{"rendered":"Poistenie proti povodni a z\u00e1plav\u00e1m: Ako na to?"},"content":{"rendered":"<p><b>Pr\u00edvalov\u00e9 da\u017ede a b\u00farky s krupobit\u00edm sp\u00f4sobuj\u00fa ka\u017edoro\u010dne nemal\u00e9 \u0161kody na majetku Slov\u00e1kov. Zatopen\u00e9 pivnice a zate\u010den\u00e9 steny, po\u0161koden\u00e9 strechy domov \u010di alt\u00e1nkov, ale aj \u0161kody na aut\u00e1ch sa \u0161plhaj\u00fa k tis\u00edckam eur alebo aj ove\u013ea vy\u0161\u0161ie. Preto je d\u00f4le\u017eit\u00e9 ma\u0165 na svojom majetku poisten\u00e9 aj pr\u00edrodn\u00e9 \u017eivly.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Povodne alebo z\u00e1plavy <strong>prich\u00e1dzaj\u00fa n\u00e1hle<\/strong> a pred vodn\u00fdm \u017eivlom nedok\u00e1\u017eeme n\u00e1\u0161 majetok v\u00e4\u010d\u0161inou ochr\u00e1ni\u0165. Jedinou skuto\u010dnou pomocou m\u00f4\u017ee by\u0165 <\/span><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\"><span style=\"font-weight: 400;\">kvalitn\u00e9 poistenie<\/span><\/a><span style=\"font-weight: 400;\">, ktor\u00e9 kryje aj tieto rizik\u00e1 a pom\u00f4\u017ee v\u00e1m zn\u00ed\u017ei\u0165 nemal\u00e9 finan\u010dn\u00e9 straty. Ale \u010do ak sa v\u00e1\u0161 <\/span><b>dom nach\u00e1dza v povod\u0148ovej oblasti <\/b><span style=\"font-weight: 400;\">a ako postupova\u0165 pri poistnej udalosti?\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Povode\u0148 a z\u00e1plava nie je to ist\u00e9<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">V\u00e4\u010d\u0161ina \u013eud\u00ed nerozli\u0161uje pojmy povode\u0148 a z\u00e1plava, hoci je medzi nimi rozdiel.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Povode\u0148 <\/b><span style=\"font-weight: 400;\">vznik\u00e1 v d\u00f4sledku zv\u00fd\u0161enia hladiny vodn\u00e9ho toku alebo vodn\u00fdch n\u00e1dr\u017e\u00ed nad \u00farove\u0148 brehu alebo pretrhnut\u00edm hr\u00e1dze a n\u00e1sledn\u00fdm vyliat\u00edm vody.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Z\u00e1plava<\/b><span style=\"font-weight: 400;\"> je s\u00favisl\u00e1 vodn\u00e1 plocha, ktor\u00e1 m\u00f4\u017ee vznikn\u00fa\u0165 aj z d\u00f4vodu povodne, ale aj z d\u00f4vodu vytrval\u00fdch zr\u00e1\u017eok alebo topenia sa snehu.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Vo v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed s\u00fa v\u0161ak obe <\/span><b>tieto rizik\u00e1 spojen\u00e9<\/b><span style=\"font-weight: 400;\"> a nie je mo\u017en\u00e9 ich poisti\u0165 oddelene. Bu\u010f je riziko povode\u0148 a z\u00e1plava u\u017e priamo v bal\u00edku s in\u00fdmi \u017eivlami, alebo si ich viete dopoisti\u0165, ale nikdy nie samostatne.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed pou\u017e\u00edva povod\u0148ov\u00e9 mapy<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/\">V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed<\/a> sa pri ur\u010dovan\u00ed poistn\u00e9ho riadi vlastn\u00fdmi <\/span><b>povod\u0148ov\u00fdmi mapami<\/b><span style=\"font-weight: 400;\">, niektor\u00e9 vyu\u017e\u00edvaj\u00fa povod\u0148ov\u00e9 mapy SHM\u00da. Mapy im sl\u00fa\u017eia na to, aby zhodnotili rizikovos\u0165 danej lokality, kde sa pois\u0165ovan\u00e1 nehnute\u013enos\u0165 nach\u00e1dza.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak sa<\/span> <span style=\"font-weight: 400;\">nehnute\u013enos\u0165 nach\u00e1dza <\/span><b>v ohrozenej oblasti<\/b><span style=\"font-weight: 400;\">, automaticky je pre pois\u0165ovne rizikov\u00e1 a bu\u010f si uplatnia<\/span><b> prir\u00e1\u017eku<\/b><span style=\"font-weight: 400;\">, teda klient zaplat\u00ed vy\u0161\u0161ie poistn\u00e9, alebo ju <\/span><b>nepoistia v\u00f4bec<\/b><span style=\"font-weight: 400;\">. Pr\u00edpadne nehnute\u013enos\u0165 poistia na in\u00e9 rizik\u00e1<\/span><b> s v\u00fdnimkou<\/b><span style=\"font-weight: 400;\"> rizika povodne alebo z\u00e1plav.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In\u00e9 pois\u0165ovne zas vych\u00e1dzaj\u00fa <\/span><b>z hist\u00f3rie <\/b><span style=\"font-weight: 400;\">a pri uzatv\u00e1ran\u00ed poistnej zmluvy zis\u0165uj\u00fa, \u010di pri\u0161lo v danej oblasti v ur\u010ditom obdob\u00ed (za posledn\u00fdch 5 &#8211; 10 rokov) k povodni alebo z\u00e1plave.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u010eal\u0161ie pois\u0165ovne m\u00f4\u017ee zauj\u00edma\u0165, \u010di sa nehnute\u013enos\u0165 nach\u00e1dza do ur\u010ditej <\/span><b>vzdialenosti alebo v\u00fd\u0161ky od vodn\u00e9ho toku.\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">S\u00fa aj pois\u0165ovne, ktor\u00e9 nesk\u00famaj\u00fa hist\u00f3riu povodn\u00ed alebo z\u00e1plav v danej oblasti pred vznikom poistenia, ale sk\u00famaj\u00fa <\/span><b>ve\u013ekos\u0165 povodne a z\u00e1plavy pri poistnej udalosti.<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ke\u010f\u017ee pois\u0165ovne maj\u00fa <\/span><b>r\u00f4zny pr\u00edstup<\/b><span style=\"font-weight: 400;\"> k pois\u0165ovaniu t\u00fdchto riz\u00edk, m\u00f4\u017ee sa sta\u0165, \u017ee v\u00e1m jedna pois\u0165ov\u0148a odmietne na riziko povode\u0148 alebo z\u00e1plava nehnute\u013enos\u0165 poisti\u0165 a druh\u00e1 s t\u00fdm nebude ma\u0165 probl\u00e9m.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Chcete vedie\u0165, ktor\u00e1 pois\u0165ov\u0148a bude<strong> pre v\u00e1s najvhodnej\u0161ia?<\/strong> Porovnajte si ponuky cez na\u0161u <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">praktick\u00fa kalkula\u010dku<\/a>.<\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\"><img decoding=\"async\" class=\"alignnone wp-image-6924 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/12\/kakulacka-poistenie-majetku-fingo.gif\" alt=\"fingo kalkula\u010dka poistenie nehnute\u013enosti a dom\u00e1cnosti\" width=\"1078\" height=\"984\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\">Ako si uplatni\u0165 vzniknut\u00fa \u0161kodu<\/span><\/h2>\n<p>Ak v\u00e1s postihne povode\u0148 \u010di z\u00e1plava, t\u00fato udalos\u0165 <strong>bez zbyto\u010dn\u00e9ho odkladu<\/strong> nahl\u00e1ste do va\u0161ej pois\u0165ovne a ria\u010fte sa jej pokynmi.<\/p>\n<ul>\n<li>Poistn\u00fa udalos\u0165 m\u00f4\u017eete nahl\u00e1si\u0165 <strong>osobne na pobo\u010dke<\/strong> pois\u0165ovne, ale aj<strong> telefonicky \u010di cez online formul\u00e1r<\/strong> na webovej str\u00e1nke pois\u0165ovne.<\/li>\n<li>Je lep\u0161ie sa <strong>s odstra\u0148ovan\u00edm \u0161k\u00f4d nepon\u00e1h\u013ea\u0165<\/strong> a po\u010dka\u0165 na pr\u00edchod obhliadaj\u00faceho technika z pois\u0165ovne. V\u00fdnimkou s\u00fa pr\u00edpady, kedy by pr\u00edli\u0161n\u00e9 ot\u00e1\u013eanie mohlo sp\u00f4sobi\u0165 zv\u00e4\u010d\u0161enie u\u017e existuj\u00facich \u0161k\u00f4d.<\/li>\n<li>V tak\u00fdchto pr\u00edpadoch sa odpor\u00fa\u010da urobi\u0165 aspo\u0148 <strong>d\u00f4kladn\u00fa fotodokument\u00e1ciu<\/strong>, ktor\u00fa potom pri obhliadke dolo\u017e\u00edte do pois\u0165ovne.<\/li>\n<li>V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed sa sna\u017e\u00ed by\u0165 pri \u0161kodov\u00fdch udalostiach proklientsk\u00e1 a h\u013eadaj\u00fa rie\u0161enie, ako by v\u00e1m vedeli \u010do najviac pom\u00f4c\u0165.<\/li>\n<li>Aj <strong>cez asisten\u010dn\u00e9 slu\u017eby<\/strong> vedia pois\u0165ovne pom\u00f4c\u0165, \u010di u\u017e zorganizova\u0165 n\u00e1hradn\u00e9 ubytovanie, zabezpe\u010di\u0165 str\u00e1\u017eenie po\u0161kodenej nehnute\u013enosti \u010di poskytn\u00fa\u0165 preddavkov\u00e9 plnenie na za\u010datie pr\u00e1c potrebn\u00fdch na odprat\u00e1vanie bahna, zni\u010den\u00fdch vec\u00ed a podobne.<\/li>\n<li>D\u00f4le\u017eit\u00e9 je <strong>komunikova\u0165 s pois\u0165ov\u0148ou<\/strong>, a to nielen pri prvotnej obhliadke, ale aj n\u00e1sledne po\u010das procesu opr\u00e1v.<\/li>\n<li>Nie je ni\u010d neobvykl\u00e9, \u017ee sa na po\u0161kodenej nehnute\u013enosti vykonaj\u00fa<strong> \u010fal\u0161ie doobhliadky<\/strong>, na z\u00e1klade ktor\u00fdch likvid\u00e1tor v pois\u0165ovni m\u00f4\u017ee upravi\u0165 v\u00fd\u0161ku plnenia.<\/li>\n<li>Uvedomte si, \u017ee pois\u0165ovne vypl\u00e1caj\u00fa poistn\u00e9 plnenie hlavne<strong> za vykonan\u00e9 opravy<\/strong> na nehnute\u013enosti a dom\u00e1cnosti alebo za znovunadobudnut\u00e9 veci, ktor\u00e9 mus\u00edte <strong>zdokladova\u0165.<\/strong><\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-384\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/shutterstock_196921499.jpg\" alt=\"vytopen\u00fd dom\" width=\"600\" height=\"373\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/shutterstock_196921499.jpg 1000w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/shutterstock_196921499-300x187.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/shutterstock_196921499-768x478.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><strong>Pozor!<\/strong> M\u00f4\u017eu nasta\u0165 aj pr\u00edpady, ke\u010f pois\u0165ov\u0148a klientom nevyplat\u00ed plnenie. \u010ci u\u017e kv\u00f4li tomu, \u017ee ich poistn\u00e1 zmluva nekryje riziko povodne a z\u00e1plavy, alebo ak klient pri uzavret\u00ed zmluvy uviedol nepravdiv\u00e9 inform\u00e1cie.<\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Aj pri poistnej udalosti sa m\u00f4\u017eete spo\u013eahn\u00fa\u0165 na finan\u010dn\u00e9ho sprostredkovate\u013ea, ktor\u00fd v\u00e1m porad\u00ed <a href=\"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/\">ako komunikova\u0165 s pois\u0165ov\u0148ou<\/a> tak, aby proces prebehol r\u00fdchlo a bez probl\u00e9mov.\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Lokality, kde doch\u00e1dza k povodniam pravidelne\u00a0\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Prem\u00fd\u0161\u013eate, \u010do v pr\u00edpade, ak sa va\u0161a nehnute\u013enos\u0165 nach\u00e1dza v lokalite, ktor\u00e1 je povodniam a<\/span><b> z\u00e1plav\u00e1m vystavovan\u00e1 pravidelne<\/b><span style=\"font-weight: 400;\">? <a href=\"https:\/\/www.fingo.sk\/blog\/pri-poisteni-nehnutelnosti-si-treba-dat-pozor-na-podpoistenie\/\">Poistenie nehnute\u013enosti<\/a> sl\u00fa\u017ei na poistenie vo\u010di n\u00e1hodn\u00fdm udalostiam, no ak sa nie\u010do deje pravidelne, u\u017e to nie je \u00faplne n\u00e1hodn\u00e1 udalos\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Preto ak sa v niektorej oblasti povodne \u010di z\u00e1plavy vyskytuj\u00fa pravidelne, s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou domy v tejto oblasti nepoist\u00ed vo\u010di t\u00fdmto rizik\u00e1m ka\u017ed\u00e1 pois\u0165ov\u0148a. Napriek tomu v\u017edy existuje mo\u017enos\u0165 poisti\u0165 nehnute\u013enos\u0165 <\/span><b>ne\u0161tandardn\u00fdm sp\u00f4sobom<\/b><span style=\"font-weight: 400;\"> a teda na v\u00fdnimku, ak to bude pois\u0165ovni d\u00e1va\u0165 obchodn\u00fd v\u00fdznam.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad: <\/b><\/span><span style=\"font-weight: 400;\">V pois\u0165ovniach, ktor\u00e9 vych\u00e1dzaj\u00fa z povod\u0148ov\u00fdch m\u00e1p, <\/span><b>m\u00f4\u017eete dosta\u0165 aj 100 % prir\u00e1\u017eku<\/b><span style=\"font-weight: 400;\">, ak sa va\u0161a nehnute\u013enos\u0165 nach\u00e1dza v lokalite, kde sa povodne vyskytuj\u00fa \u010dastej\u0161ie, aj ke\u010f tam moment\u00e1lne povode\u0148 nemus\u00ed hrozi\u0165. V takom pr\u00edpade sa asi sk\u00f4r poist\u00edte v pois\u0165ovni, ktor\u00e1 pos\u00fadi <\/span><b>aktu\u00e1lny stav povod\u0148ovej hrozby<\/b><span style=\"font-weight: 400;\"> vo va\u0161ej oblasti a taktie\u017e \u010di je va\u0161a nehnute\u013enos\u0165 v dobrom<\/span><b> technickom stave<\/b><span style=\"font-weight: 400;\">, a na z\u00e1klade t\u00fdchto \u00fadajov sa rozhodne, \u010di v\u00e1s poist\u00ed.<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">M\u00f4\u017ee nasta\u0165 aj tak\u00e1 situ\u00e1cia, kedy pois\u0165ov\u0148a dan\u00fa nehnute\u013enos\u0165 poist\u00ed a v pr\u00edpade vzniku poistnej udalosti uhrad\u00ed klientovi vzniknut\u00e9 \u0161kody, ale n\u00e1sledne poistn\u00fa zmluvu ukon\u010d\u00ed.\u00a0<\/span><\/p><\/blockquote>\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">Informujte sa <\/span><b>e\u0161te pred k\u00fapou nehnute\u013enosti<\/b><span style=\"font-weight: 400;\">, \u010di si ju budete m\u00f4c\u0165 v konkr\u00e9tnej lokalite poisti\u0165 aj vo\u010di rizik\u00e1m povode\u0148 a z\u00e1plava. <\/span><a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\"><span style=\"font-weight: 400;\">FinGO.sk poradcovia<\/span><\/a><span style=\"font-weight: 400;\"> v\u00e1m pripravia ponuku na poistenie nehnute\u013enosti a po k\u00fape sa tak vyhnete zbyto\u010dn\u00fdm nepr\u00edjemn\u00fdm prekvapeniam.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Poistenie nehnute\u013enosti vs. poistenie dom\u00e1cnosti<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Je d\u00f4le\u017eit\u00e9 si uvedomi\u0165, \u017ee <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/pri-poisteni-nehnutelnosti-si-treba-dat-pozor-na-podpoistenie\/\"><b>poistenie nehnute\u013enosti <\/b><\/a><span style=\"font-weight: 400;\">sa vz\u0165ahuje iba na dom samotn\u00fd, \u010di\u017ee z tohto poistenia m\u00e1te n\u00e1rok na n\u00e1hradu \u0161kody, ktor\u00e1 vznikne <\/span><b>na samotnej stavbe.\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">M\u00f4\u017eu to by\u0165 napr\u00edklad n\u00e1klady na <strong>su\u0161enie \u010di ma\u013eovanie<\/strong> mokr\u00fdch stien, opravy po\u0161koden\u00fdch m\u00farov, pr\u00edpadne s\u00fa tam zahrnut\u00e9 aj vyprat\u00e1vacie n\u00e1klady po poistnej udalosti \u010di dokonca n\u00e1hradn\u00e9 ubytovanie.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Po\u0161koden\u00fd alebo zni\u010den\u00fd n\u00e1bytok alebo spotrebi\u010de, t. j. vybavenie nehnute\u013enosti, toto poistenie nekryje.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preto ak chcete ma\u0165 istotu, \u017ee v\u00e1m v pr\u00edpade vzniku poistnej udalosti uhrad\u00ed pois\u0165ov\u0148a aj po\u0161koden\u00e9 \u010di <\/span><b>zni\u010den\u00e9 zariadenie<\/b><span style=\"font-weight: 400;\">, mus\u00edte ma\u0165 uzatvoren\u00e9 <\/span><b>aj poistenie dom\u00e1cnosti<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 obsahuje aj riziko povodne a z\u00e1plavy.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pri pois\u0165ovan\u00ed dom\u00e1cnosti vo\u010di t\u00fdmto rizik\u00e1m uplat\u0148uj\u00fa pois\u0165ovne rovnak\u00fd pr\u00edstup ako pri pois\u0165ovan\u00ed nehnute\u013enosti.<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\">\u010co ak je zaplaven\u00e9 va\u0161e auto<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0160kody na zaplaven\u00fdch aut\u00e1ch hradia pois\u0165ovne hlavne <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/havarijne-poistenie\/\"><strong>z havarijn\u00e9ho poistenia<\/strong><\/a><span style=\"font-weight: 400;\">, ktor\u00e9 v z\u00e1kladnom bal\u00edku kryje aj \u0161kody sp\u00f4soben\u00e9 pr\u00edrodn\u00fdmi \u017eivlami. No ke\u010f\u017ee nie ka\u017ed\u00fd m\u00e1 uzatvoren\u00e9 havarijn\u00e9 poistenie, m\u00f4\u017ee v\u00e1m pom\u00f4c\u0165 aj <\/span>\u017eiveln\u00e9 pripoistenie k <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">PZP<\/a> \u010di verejn\u00fd pr\u00eds\u013eub<span style=\"font-weight: 400;\"> pois\u0165ovne.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Trendom je, \u017ee mnoh\u00e9 pois\u0165ovne umo\u017enia svoj\u00edm klientom<\/span><span style=\"font-weight: 400;\"><strong> v r\u00e1mci PZP si pripoisti\u0165<\/strong> aj \u010fal\u0161ie rizik\u00e1, vr\u00e1tane \u017eivlov. <\/span><span style=\"font-weight: 400;\">Ke\u010f\u017ee t\u00e1to mo\u017enos\u0165 je v porovnan\u00ed s havarijn\u00fdm poisten\u00edm lacnej\u0161ia, pre mnoh\u00fdch klientov je aj l\u00e1kavej\u0161ia. <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Nev\u00fdhodou pripoistenia k <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">PZP<\/a> s\u00fa v\u0161ak <strong>ni\u017e\u0161ie poistn\u00e9 limity<\/strong> v poistnej zmluve. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">V niektorej pois\u0165ovni to m\u00f4\u017ee by\u0165 500 eur, v inej 2000 eur. Vy\u0161\u0161iu sumu ako je limit na danom riziku pois\u0165ov\u0148a na zni\u010denom aute nepreplat\u00ed. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Pozorne si treba pre\u0161tudova\u0165 aj poistn\u00e9 podmienky.\u00a0<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=pzp_gif\"><img decoding=\"async\" class=\"alignnone wp-image-3468 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/poistenie_pzp_blog.gif\" alt=\"Fingo.sk PZP kalkulacka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">S\u00fa aj pois\u0165ovne, kde m\u00f4\u017eete pri povodniach vyu\u017ei\u0165 <strong>tzv. verejn\u00fd pr\u00eds\u013eub.<\/strong> <\/span><span style=\"font-weight: 400;\">Aby pois\u0165ovne nemuseli meni\u0165 v\u0161etky poistn\u00e9 zmluvy, poskytn\u00fa krytie niektor\u00e9ho rizika formou verejn\u00e9ho pr\u00eds\u013eubu, pri\u010dom presne \u0161pecifikuj\u00fa, ktor\u00fdch zml\u00fav sa tento pr\u00eds\u013eub t\u00fdka a dokedy plat\u00ed. <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Ale ak by ste sa chceli pri povodni spo\u013eahn\u00fa\u0165 len na verejn\u00fd pr\u00eds\u013eub, starostlivo si ho pre\u010d\u00edtajte. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">St\u00e1va sa, \u017ee pois\u0165ovne aj be\u017en\u00e9 \u017eiveln\u00e9 udalosti ako je krupobitie alebo z\u00e1plava z verejn\u00e9ho pr\u00eds\u013eubu vyjm\u00fa alebo obmedzia jeho \u00fazemn\u00fa platnos\u0165.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Preto m\u00f4\u017eete osta\u0165 nemilo prekvapen\u00ed, keby va\u0161e zni\u010den\u00e9 auto vy\u017eadovalo nieko\u013ekotis\u00edcov\u00fa opravu a spoliehali by ste sa len na verejn\u00fd pr\u00eds\u013eub pois\u0165ovne<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> Viac <\/b>o poisten\u00ed vozidiel proti pr\u00edrodn\u00fdm \u017eivlom\u00a0<span style=\"font-weight: 400;\">si m\u00f4\u017eete pre\u010d\u00edta\u0165 aj v na\u0161om \u010fal\u0161om blogu\u00a0<\/span><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-nepodcenujte-tri-jednoduche-cesty-ako-na-to\/\"><span style=\"font-weight: 400;\">tu.<\/span><\/a><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Skontrolujte svoju poistn\u00fa zmluvu<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sk\u00fasenosti z posledn\u00fdch rokov n\u00e1s presvied\u010daj\u00fa o tom, \u017ee povodniam alebo z\u00e1plav\u00e1m m\u00f4\u017ee by\u0165 vystaven\u00fd prakticky ktoko\u013evek. Preto je najvy\u0161\u0161\u00ed \u010das <strong>pozrie\u0165 sa do existuj\u00facich poistn\u00fdch zml\u00fav<\/strong> a <a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoje-zmluvy-pod-kontrolou\/\">preveri\u0165<\/a>, pr\u00edpadne doplni\u0165, poistenie t\u00fdchto riz\u00edk.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nev\u00e1hajte sa obr\u00e1ti\u0165 <strong>na sk\u00fasen\u00fdch makl\u00e9rov z FinGO.sk.<\/strong> Pom\u00f4\u017eu v\u00e1m vybra\u0165 si nielen <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">spr\u00e1vne poistenie<\/a>, ale aj rozsah krytia tak, aby ste boli poistkou zabezpe\u010den\u00fd proti v\u0161etk\u00fdm rizik\u00e1m, ktor\u00e9 m\u00f4\u017eu ohrozi\u0165 v\u00e1\u0161 majetok.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kontaktova\u0165 n\u00e1s m\u00f4\u017eete telefonicky na \u010d\u00edsle <\/span><a href=\"tel:0800601060\"><span style=\"color: #ec8124;\"><b>0800 60 10 60<\/b><\/span><\/a><span style=\"font-weight: 400;\"> alebo mailom na adrese <\/span><span style=\"color: #ec8124;\"><b>kontakt@fingo.sk<\/b><\/span><span style=\"font-weight: 400;\">. Pr\u00edpadne n\u00e1m zanechajte kontakt a my sa v\u00e1m ozveme.<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/985#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Pr\u00edvalov\u00e9 da\u017ede a b\u00farky s krupobit\u00edm sp\u00f4sobuj\u00fa ka\u017edoro\u010dne nemal\u00e9 \u0161kody na majetku Slov\u00e1kov. Zatopen\u00e9 pivnice a zate\u010den\u00e9 steny, po\u0161koden\u00e9 strechy domov \u010di alt\u00e1nkov, ale aj \u0161kody na aut\u00e1ch sa \u0161plhaj\u00fa k tis\u00edckam eur alebo aj ove\u013ea vy\u0161\u0161ie. Preto je d\u00f4le\u017eit\u00e9 ma\u0165 na svojom majetku poisten\u00e9 aj pr\u00edrodn\u00e9 \u017eivly. Povodne alebo z\u00e1plavy prich\u00e1dzaj\u00fa n\u00e1hle a pred vodn\u00fdm \u017eivlom nedok\u00e1\u017eeme n\u00e1\u0161 majetok v\u00e4\u010d\u0161inou ochr\u00e1ni\u0165. Jedinou skuto\u010dnou pomocou m\u00f4\u017ee by\u0165 kvalitn\u00e9 poistenie, ktor\u00e9 kryje aj tieto rizik\u00e1 a pom\u00f4\u017ee v\u00e1m zn\u00ed\u017ei\u0165 nemal\u00e9 finan\u010dn\u00e9 straty. Ale \u010do ak sa v\u00e1\u0161 dom nach\u00e1dza v povod\u0148ovej oblasti a ako postupova\u0165 pri poistnej udalosti?\u00a0 Povode\u0148 a z\u00e1plava nie je to ist\u00e9 V\u00e4\u010d\u0161ina \u013eud\u00ed nerozli\u0161uje pojmy povode\u0148 a z\u00e1plava, hoci je medzi nimi rozdiel.\u00a0 Povode\u0148 vznik\u00e1 v d\u00f4sledku zv\u00fd\u0161enia hladiny vodn\u00e9ho toku alebo vodn\u00fdch n\u00e1dr\u017e\u00ed nad \u00farove\u0148 brehu alebo pretrhnut\u00edm hr\u00e1dze a n\u00e1sledn\u00fdm vyliat\u00edm vody.\u00a0 Z\u00e1plava je s\u00favisl\u00e1 vodn\u00e1 plocha, ktor\u00e1 m\u00f4\u017ee vznikn\u00fa\u0165 aj z d\u00f4vodu povodne, ale aj z d\u00f4vodu vytrval\u00fdch zr\u00e1\u017eok alebo topenia sa snehu.\u00a0 Vo v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed s\u00fa v\u0161ak obe tieto rizik\u00e1 spojen\u00e9 a nie je mo\u017en\u00e9 ich poisti\u0165 oddelene. Bu\u010f je riziko povode\u0148 a z\u00e1plava u\u017e priamo v bal\u00edku s in\u00fdmi \u017eivlami, alebo si ich viete dopoisti\u0165, ale nikdy nie samostatne. V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed pou\u017e\u00edva [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":3609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75,16],"tags":[115,59,116],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie proti povodni a z\u00e1plav\u00e1m: Ako na to? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Poistenie proti povodni a z\u00e1plav\u00e1m netreba podce\u0148ova\u0165. 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