{"id":190,"date":"2022-10-05T15:00:00","date_gmt":"2022-10-05T13:00:00","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=190"},"modified":"2026-08-05T17:15:20","modified_gmt":"2026-08-05T15:15:20","slug":"teple-pocasi-prinasi-silne-deste-i-vichrice-ochrani-vas-vase-pojistka","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/teple-pocasi-prinasi-silne-deste-i-vichrice-ochrani-vas-vase-pojistka\/","title":{"rendered":"Tepl\u00e9 po\u010das\u00ed p\u0159in\u00e1\u0161\u00ed siln\u00e9 de\u0161t\u011b i vich\u0159ice. Ochr\u00e1n\u00ed v\u00e1s va\u0161e pojistka?"},"content":{"rendered":"\n<p><em>Posledn\u00ed aktualizace: 31.7.2026<\/em><\/p>\n\n\n\n<p>Hork\u00e9 letn\u00ed po\u010das\u00ed p\u0159in\u00e1\u0161\u00ed bou\u0159ky, vich\u0159ice a bohu\u017eel ojedin\u011ble tak\u00e9 je\u0161t\u011b ni\u010div\u011bj\u0161\u00ed downbursty, supercely a torn\u00e1da. Nab\u00edz\u00ed se ot\u00e1zka, zda m\u00e1te pro tyto p\u0159\u00edpady kvalitn\u00ed poji\u0161t\u011bn\u00ed majetku a autopoji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed proti \u0161kod\u00e1m v d\u016fsledku vich\u0159ice a je\u0161t\u011b siln\u011bj\u0161\u00edho v\u011btru (nap\u0159. ork\u00e1n) nab\u00edz\u00ed v\u011bt\u0161ina poji\u0161\u0165oven ji\u017e v z\u00e1kladn\u00edch bal\u00ed\u010dc\u00edch poji\u0161t\u011bn\u00ed. Za vich\u0159ici se podle <a href=\"http:\/\/slovnik.cmes.cz\/heslo\/3697\" data-type=\"link\" data-id=\"http:\/\/slovnik.cmes.cz\/heslo\/3697\" target=\"_blank\" rel=\"noopener\">Beaufortovy stupnice<\/a> pova\u017euje s\u00edla v\u011btru rychlosti alespo\u0148 75 km\/h. Jsou v\u0161ak poji\u0161\u0165ovny, kter\u00e9 maj\u00ed tuto hranici ni\u017e\u0161\u00ed (jmenovit\u011b nap\u0159. Direct poji\u0161\u0165ovna pova\u017euje za vich\u0159ici v\u00edtr s rychlost\u00ed u\u017e od 50 km\/h). Do vich\u0159ic &#8211; nikoliv ov\u0161em z pohledu meteorologie &#8211; se tak\u00e9 v r\u00e1mci poji\u0161t\u011bn\u00ed zahrnuj\u00ed torn\u00e1da a jin\u00e9 ni\u010div\u00e9 meteorologick\u00e9 jevy, jako je downburst nebo supercel\u00e1rn\u00ed bou\u0159e. <\/p>\n\n\n\n<p>A co kdy\u017e u\u017e v\u00e1m vich\u0159ice poni\u010dila majetek? Pro uplatn\u011bn\u00ed n\u00e1roku z poji\u0161t\u011bn\u00ed je nejen v t\u011bchto p\u0159\u00edpadech pot\u0159eba <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistna-udalost\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistna-udalost\/\">pojistnou ud\u00e1lost<\/a> co nejd\u0159\u00edve nahl\u00e1sit, p\u0159\u00edpadn\u011b kontaktovat asisten\u010dn\u00ed linku poji\u0161\u0165ovny, u kter\u00e9 m\u00e1te sv\u016fj d\u016fm nebo\u00a0<a href=\"https:\/\/www.rixo.cz\/pojisteni-vozidel\/\" target=\"_blank\" rel=\"noreferrer noopener\">vozidlo poji\u0161t\u011bn\u00e9<\/a>.\u00a0<\/p>\n\n\n\n<p><strong>Majetkov\u00e9 poji\u0161t\u011bn\u00ed:&nbsp;<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-plneni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-plneni\/\">Pojistn\u00e9 pln\u011bn\u00ed<\/a> by m\u011blo b\u00fdt poskytnuto ve v\u00fd\u0161i n\u00e1klad\u016f na opravu po\u0161kozen\u00e9ho \u010di zni\u010den\u00e9ho pojistn\u00e9ho objektu.\u00a0<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b\u00a0<a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\" target=\"_blank\" rel=\"noreferrer noopener\">poji\u0161t\u011bn\u00ed majetku<\/a>\u00a0se jedn\u00e1 o nemovitost \u010di vedlej\u0161\u00ed objekty (plot, k\u016flna, gar\u00e1\u017e apod.). Nen\u00ed-li oprava t\u011bchto budov mo\u017en\u00e1, bude pojistn\u00e9 pln\u011bn\u00ed poskytnuto na znovupostaven\u00ed \u010di znovupo\u0159\u00edzen\u00ed. D\u016fle\u017eit\u00e9 ale je, aby pojistn\u00e1 \u010d\u00e1stka odpov\u00eddala sum\u011b, za kterou by byla nemovitost postavena v sou\u010dasn\u00e9 dob\u011b.<\/p>\n\n\n\n<p><em>Tip RIXO.cz: Vzhledem k tomu, \u017ee ceny nemovitost\u00ed rostou raketovou rychlost\u00ed, v\u00e1m doporu\u010dujeme, abyste nechali <a href=\"https:\/\/www.rixo.cz\/kontrola-pojistnych-smluv\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/kontrola-pojistnych-smluv\/\">zkontrolovat sv\u00e9 poji\u0161t\u011bn\u00ed majetku<\/a> a p\u0159\u00edpadn\u011b si pojistnou \u010d\u00e1stku nav\u00fd\u0161ili, pokud u\u017e poji\u0161t\u011bn\u00ed n\u011bjak\u00fd ten rok m\u00e1te. V p\u0159\u00edpad\u011b jak\u00e9koliv \u017eiveln\u00ed pohromy tak tak budete m\u00edt jistotu, \u017ee v\u00e1m poji\u0161\u0165ovna v\u0161e zaplat\u00ed.<\/em><\/p>\n\n\n\n<p>V&nbsp;<a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\" target=\"_blank\" rel=\"noreferrer noopener\">poji\u0161t\u011bn\u00ed majetku<\/a>&nbsp;tak\u00e9 m\u016f\u017eete m\u00edt zahrnuty asisten\u010dn\u00ed slu\u017eby souvisej\u00edc\u00ed s \u017eivelnou ud\u00e1lost\u00ed. M\u016f\u017ee se jednat o kr\u00e1tkodob\u00e9 n\u00e1hradn\u00ed ubytov\u00e1n\u00ed, uskladn\u011bn\u00ed mobili\u00e1\u0159e \u010di dlouhodob\u00e9 n\u00e1hradn\u00ed ubytov\u00e1n\u00ed (poji\u0161\u0165ovna se bude pod\u00edlet na platb\u011b n\u00e1jmu). I zde v\u017edy z\u00e1le\u017e\u00ed na pojistn\u00fdch podm\u00ednk\u00e1ch dan\u00e9 poji\u0161\u0165ovny.&nbsp;<\/p>\n\n\n\n<p>Pokud v\u00e1s vich\u0159ice nezas\u00e1hla p\u0159\u00edmo, ale byli jste nap\u0159\u00edklad p\u0159echodn\u011b od\u0159\u00edznut\u00ed od elekt\u0159iny, m\u016f\u017eete uplatnit tak\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed zni\u010den\u00ed obsahu chlad\u00edc\u00edho za\u0159\u00edzen\u00ed. Jde o znehodnocen\u00ed vlastn\u00edch potravin a l\u00e9k\u016f poji\u0161t\u011bn\u00e9ho, kter\u00e9 jsou sou\u010d\u00e1st\u00ed dom\u00e1cnosti, v d\u016fsledku prokazateln\u00e9 poruchy chladic\u00edho za\u0159\u00edzen\u00ed nebo v d\u016fsledku v\u00fdpadku dod\u00e1vky elekt\u0159iny. Za chladic\u00ed za\u0159\u00edzen\u00ed se pova\u017euje chladni\u010dka nebo mrazni\u010dka.<\/p>\n\n\n\n<p>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<strong>\u00a0\u00a0<a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\" target=\"_blank\" rel=\"noreferrer noopener\">SROVNAT POJI\u0160T\u011aN\u00cd MAJETKU\u00a0<\/a><\/strong><\/p>\n\n\n\n<p><strong>Autopoji\u0161t\u011bn\u00ed:&nbsp;<\/strong><\/p>\n\n\n\n<p>Pokud v\u00e1m torn\u00e1do, kroupy nebo siln\u00fd v\u00edtr poni\u010dily auto, pom\u016f\u017ee v\u00e1m\u00a0<a href=\"https:\/\/www.rixo.cz\/pojisteni-vozidel\/\" target=\"_blank\" rel=\"noreferrer noopener\">havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>. Pokud ho nem\u00e1te, m\u011bli byste m\u00edt ke sv\u00e9mu povinn\u00e9mu ru\u010den\u00ed sjedn\u00e1no p\u0159ipoji\u0161t\u011bn\u00ed \u017eivl\u016f. Bez toho v\u00e1m poji\u0161\u0165ovna nic nevyplat\u00ed.\u00a0<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><a href=\"https:\/\/www.rixo.cz\/pojisteni-vozidel\/\" target=\"_blank\" rel=\"noreferrer noopener\">SROVNAT AUTOPOJI\u0160T\u011aN\u00cd<\/a><\/strong><\/p>\n\n\n\n<p><strong>Jak postupovat p\u0159i nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/strong>?<\/p>\n\n\n\n<ul>\n<li>Zavolejte na asisten\u010dn\u00ed slu\u017ebu poji\u0161\u0165ovny\u00a0<\/li>\n\n\n\n<li>\u0160kodu si vyfo\u0165te (po\u0161kozen\u00e9 v\u011bci nelikvidujte, ponechte je kv\u016fli p\u0159\u00edpadn\u00e9 prohl\u00eddce)<\/li>\n\n\n\n<li>Provizorn\u011b zabezpe\u010dte sv\u016fj majetek (nap\u0159. aby d\u00e1le nezat\u00e9kalo do domu)<\/li>\n\n\n\n<li>Sepi\u0161te po\u0161kozen\u00e9 v\u011bci a odhadn\u011bte v\u00fd\u0161i \u0161kody<\/li>\n\n\n\n<li>P\u0159e\u010dt\u011bte si, na co se va\u0161e poji\u0161t\u011bn\u00ed vztahuje<\/li>\n<\/ul>\n\n\n\n<p><strong>Nahlaste \u0161kodu, obvykle bude zapot\u0159eb\u00ed sd\u011blit:<\/strong><\/p>\n\n\n\n<ul>\n<li>\u010c\u00edslo pojistn\u00e9 smlouvy<\/li>\n\n\n\n<li>M\u00edsto a datum vzniku \u0161kody<\/li>\n\n\n\n<li>P\u0159\u00ed\u010dinu \u0161kody<\/li>\n\n\n\n<li>\u00dadaje poji\u0161t\u011bn\u00e9ho<\/li>\n\n\n\n<li>Kontaktn\u00ed \u00fadaje p\u0159\u00edpadn\u00fdch sv\u011bdk\u016f<\/li>\n\n\n\n<li>P\u0159edpokl\u00e1danou v\u00fd\u0161i \u0161kody<\/li>\n\n\n\n<li>Po nahl\u00e1\u0161en\u00ed \u0161kody poji\u0161\u0165ovna zaeviduje V\u00e1\u0161 po\u017eadavek a d\u00e1le bude p\u0159ed\u00e1n k \u0159e\u0161en\u00ed likvid\u00e1torovi<\/li>\n<\/ul>\n\n\n\n<p>Teprve sv\u00e9 poji\u0161t\u011bn\u00ed hled\u00e1te nebo si nejste jist\u00ed, \u017ee v\u00e1s dob\u0159e chr\u00e1n\u00ed p\u0159ed rozmary p\u0159\u00edrody? Srovnejte si poji\u0161t\u011bn\u00ed na <a href=\"https:\/\/www.rixo.cz\/\">RIXO.cz<\/a> nebo si u n\u00e1s nechte sv\u00e9 pojistn\u00e9 smlouvy <a href=\"https:\/\/www.rixo.cz\/kontrola-pojistnych-smluv\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/kontrola-pojistnych-smluv\/\">zkontrolovat<\/a>. Jsme online poji\u0161\u0165ovac\u00ed slu\u017eba, kter\u00e1 zajist\u00ed, \u017ee jsou na\u0161i klienti v\u017edy poji\u0161t\u011bni spr\u00e1vn\u011b a nejv\u00fdhodn\u011bji. Klademe si za c\u00edl poji\u0161t\u011bn\u00ed ud\u011blat nejp\u0159ehledn\u011bj\u0161\u00ed, nejv\u00fdhodn\u011bj\u0161\u00ed a nejrychlej\u0161\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed proti \u0161kod\u00e1m v d\u016fsledku siln\u00e9ho v\u011btru m\u00e1 v\u011bt\u0161ina poji\u0161\u0165oven ji\u017e v z\u00e1kladu. D\u016fle\u017eit\u00fdm aspektem pro pln\u011bn\u00ed je s\u00edla v\u011btru. Za vich\u0159ici se pova\u017euje s\u00edla v\u011btru rychlosti alespo\u0148 75 km\/h. Jsou v\u0161ak poji\u0161\u0165ovny, kter\u00e9 maj\u00ed tuto hranici ni\u017e\u0161\u00ed. <\/p>\n","protected":false},"author":11,"featured_media":191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,9,6],"tags":[17,25],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/190"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=190"}],"version-history":[{"count":7,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/190\/revisions"}],"predecessor-version":[{"id":4416,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/190\/revisions\/4416"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/191"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=190"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=190"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}