{"id":2251,"date":"2024-04-11T09:14:55","date_gmt":"2024-04-11T07:14:55","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2251"},"modified":"2024-04-11T09:15:25","modified_gmt":"2024-04-11T07:15:25","slug":"co-delat-kdyz-vam-zateka-do-domu-prvni-pomoc-a-jak-se-pojistit","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/co-delat-kdyz-vam-zateka-do-domu-prvni-pomoc-a-jak-se-pojistit\/","title":{"rendered":"Co d\u011blat, kdy\u017e v\u00e1m zat\u00e9k\u00e1 do domu? Prvn\u00ed pomoc a jak se pojistit"},"content":{"rendered":"\n

P\u0159\u00edvalov\u00fd d\u00e9\u0161\u0165, sn\u011bhov\u00e1 obleva nebo skoro nepost\u0159ehnuteln\u00e9 mrholen\u00ed m\u016f\u017ee majitele rodinn\u00fdch dom\u016f p\u011bkn\u011b potr\u00e1pit, zvl\u00e1\u0161\u0165 kdy\u017e jim zat\u00e9k\u00e1 do domu. Zate\u010den\u00ed sr\u00e1\u017eek v\u00e1s toti\u017e m\u016f\u017ee potkat i v p\u0159\u00edpad\u011b, \u017ee nem\u00e1te d\u00edru ve st\u0159e\u0161e. Jak si v poradit, kdy\u017e v\u00e1m zate\u010de do domu a jak\u00e9 poji\u0161t\u011bn\u00ed v\u00e1m pom\u016f\u017ee? <\/p>\n\n\n\n

Zate\u010den\u00ed st\u0159echou, okny nebo t\u0159eba balkonem tak\u0159ka v\u017edy obyvatele domu vyd\u011bs\u00ed. N\u011bco net\u011bsn\u00ed? Zabydl\u00ed se u v\u00e1s pl\u00edsn\u011b? Kolik bude st\u00e1t oprava? To v\u0161e jsou ot\u00e1zky, kter\u00e9 si p\u0159i zate\u010den\u00ed vody do sv\u00e9ho obydl\u00ed m\u016f\u017eete pokl\u00e1dat. Nepanika\u0159te, rad\u011bji zjist\u011bte, co m\u016f\u017eete ud\u011blat a jak se pro tenhle p\u0159\u00edpad pojistit. <\/p>\n\n\n\n

\n
Srovnat poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti<\/a><\/div>\n<\/div>\n\n\n\n

Jak zjistit, kudy zat\u00e9k\u00e1 do domu nebo bytu<\/h2>\n\n\n\n

Pozorujete v dom\u00e1cnosti \u010das od \u010dasu boule ve stropu, vlhk\u00e9 zdi nebo v\u00e1m rovnou kape na hlavu? Tak to je nejvy\u0161\u0161\u00ed \u010das zjistit, odkud a kudy zat\u00e9k\u00e1 do va\u0161eho domku, a\u0165 u\u017e se jedn\u00e1 o star\u0161\u00ed nemovitost, nebo novostavbu. Zat\u00e9k\u00e1n\u00ed m\u016f\u017ee m\u00edt jednoduch\u00e9 vysv\u011btlen\u00ed. M\u016f\u017ee j\u00edt o zanesen\u00e9 okapy<\/strong> nebo uvoln\u011bnou st\u0159e\u0161n\u00ed ta\u0161ku<\/strong>. Pokud se p\u0159i pohledu na d\u016fm zven\u010d\u00ed zd\u00e1 b\u00fdt v\u0161e v po\u0159\u00e1dku, p\u0159\u00ed\u010dinu hledejte na p\u016fd\u011b, respektive v podkrov\u00ed. <\/p>\n\n\n\n

Na vin\u011b mohou b\u00fdt net\u011bsnosti ve sp\u00e1r\u00e1ch a prostupech<\/strong> st\u0159e\u0161n\u00ed konstrukce \u010di \u0161patn\u011b instalovan\u00e1 hydroizolace<\/strong>. V\u00fdjimkou nen\u00ed ani zat\u00e9k\u00e1n\u00ed net\u011bsnostmi kolem st\u0159e\u0161n\u00edho okna nebo balkonu. Neplechu obecn\u011b mohou d\u011blat r\u016fzn\u00e9 spoje v konstrukci, zvl\u00e1\u0161\u0165 n\u00e1chyln\u00e9 k zat\u00e9k\u00e1n\u00ed sr\u00e1\u017eek jsou proto m\u00edsta kolem kom\u00edn\u016f<\/strong>. Rizika s sebou nese i nekvalitn\u00ed instalace fotovoltaick\u00e9 elektr\u00e1rny<\/strong> a \u010dasto se probl\u00e9my vyskytuj\u00ed i u ploch\u00fdch st\u0159ech <\/strong>kv\u016fli nedostate\u010dn\u00e9mu sp\u00e1du st\u0159echy. <\/p>\n\n\n\n

Zrovna jste si v\u0161imli vlhk\u00e9 stopy na strop\u011b? Ne\u010dekejte, a\u017e \u201cnapr\u0161\u00ed a uschne\u201d. Pus\u0165te se do detektivn\u00ed pr\u00e1ce, dokud m\u00e1te k dispozici d\u016fkazy. P\u00e1tr\u00e1n\u00ed po p\u0159\u00ed\u010din\u011b v\u00e1m usnadn\u00ed baterka, ne v\u017edy se v\u00e1m ale konkr\u00e9tn\u00ed m\u00edsto poda\u0159\u00ed p\u0159esn\u011b identifikovat. Pak je nutn\u00e9 se obr\u00e1tit na zru\u010dn\u00e9ho profesion\u00e1la, tedy pokr\u00fdva\u010de nebo klemp\u00ed\u0159e<\/strong>. <\/p>\n\n\n\n

Prvn\u00ed pomoc: Co d\u011blat, kdy\u017e v\u00e1m zat\u00e9k\u00e1 do domu<\/h2>\n\n\n\n

Pokud m\u00e1te podez\u0159en\u00ed \u017ee v\u00e1m zat\u00e9k\u00e1 do st\u0159echy, nevyplat\u00ed se vy\u010dk\u00e1vat. P\u0159i del\u0161\u00edm vystaven\u00ed vlhkosti hroz\u00ed po\u0161kozen\u00ed nejen st\u0159echy, ale i krovu, om\u00edtky a samotn\u00fdch zd\u00ed<\/strong>. Nejprve ale ochra\u0148te ve\u0161ker\u00e9 vybaven\u00ed dom\u00e1cnosti, kter\u00e9 by mohlo b\u00fdt vodou po\u0161kozen\u00e9. To se t\u00fdk\u00e1 nejen elektroniky<\/strong> nebo oble\u010den\u00ed<\/strong>, ale i sk\u0159\u00edn\u00ed, pohovky, postele a dal\u0161\u00edho n\u00e1bytku<\/strong>. Unikaj\u00edc\u00ed vodu zachyt\u00e1vejte do n\u00e1dob<\/strong>, kter\u00e9 m\u00e1te po ruce. Pom\u016f\u017eou kbel\u00edky i hrnce.<\/p>\n\n\n\n

Pokud chcete uplat\u0148ovat reklamaci u firmy<\/strong>, kter\u00e1 v\u00e1m st\u0159echu, nov\u00e9 st\u0159e\u0161n\u00ed okno \u010di jin\u00e9 z\u00e1vadn\u00e9 pr\u00e1ce d\u011blala, nezapome\u0148te si tak\u00e9 \u0161kody zdokumentovat<\/strong>. Fotografie \u010di video se bude hodit i v p\u0159\u00edpad\u011b, \u017ee nahla\u0161ujete pojistnou ud\u00e1lost v r\u00e1mci sv\u00e9ho poji\u0161t\u011bn\u00ed majetku<\/strong>. <\/p>\n\n\n\n

P\u0159ich\u00e1z\u00ed \u010das na detektivn\u00ed pr\u00e1ci, kterou u\u017e zn\u00e1te. Pokud \u00fasp\u011b\u0161n\u011b odhal\u00edte ve st\u0159e\u0161e n\u011bjakou net\u011bsnost, kterou zat\u00e9k\u00e1, je rozumn\u00e9 do\u010dasn\u011b zabr\u00e1nit dal\u0161\u00edmu zat\u00e9k\u00e1n\u00ed speci\u00e1ln\u00ed kryc\u00ed plachtou<\/strong>. Ta sice nezabr\u00e1n\u00ed zv\u00fd\u0161en\u00e9 vlhkosti<\/strong> v interi\u00e9ru, ale vyhnete se tak alespo\u0148 dal\u0161\u00edm \u201cstuden\u00fdm spr\u0161k\u00e1m\u201d v kapaln\u00e9m skupenstv\u00ed. Plachta mus\u00ed b\u00fdt dob\u0159e p\u0159ipevn\u011bn\u00e1 a m\u011bla by umo\u017enit vod\u011b p\u0159irozen\u011b st\u00e9kat z vrcholu st\u0159echy na zem. Pokud nepat\u0159\u00edte mezi zku\u0161en\u00e9 kutily, kte\u0159\u00ed se dok\u00e1\u017e\u00ed bezpe\u010dn\u011b pohybovat po st\u0159e\u0161e, instalaci plachty sv\u011b\u0159te \u0159emesln\u00edkovi<\/strong>. Co nejd\u0159\u00edve<\/strong> byste nicm\u00e9n\u011b m\u011bli zajistit definitivn\u00ed opravu<\/strong> zat\u00e9k\u00e1n\u00ed st\u0159echy, aby v\u00e1s u\u017e podobn\u00e9 starosti nepotk\u00e1valy.  <\/p>\n\n\n\n

\"Zat\u00e9k\u00e1<\/figure>\n\n\n\n

Jak m\u016f\u017ee pomoci poji\u0161t\u011bn\u00ed, kdy\u017e v\u00e1m zate\u010de do domu <\/h2>\n\n\n\n

P\u0159i n\u00e1hl\u00e9m zate\u010den\u00ed vody do domu m\u016f\u017eete uplatnit sv\u00e9 <\/strong>poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti<\/strong><\/a>, v n\u011bm\u017e m\u00e1te zahrnut\u00e9 tak\u00e9 poji\u0161t\u011bn\u00ed zate\u010den\u00ed atmosf\u00e9rick\u00fdch sr\u00e1\u017eek. Jde o jedno z pojistn\u00fdch nebezpe\u010d\u00ed vedle po\u017e\u00e1ru<\/a>, vich\u0159ice, vodovodn\u00edch \u0161kod<\/a>, povodn\u00ed a z\u00e1plav a dal\u0161\u00edch rizik. <\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed zate\u010den\u00ed atmosf\u00e9rick\u00fdch sr\u00e1\u017eek <\/strong>(n\u011bkdy tak\u00e9 poji\u0161t\u011bn\u00ed zate\u010den\u00ed vody) pokr\u00fdv\u00e1 \u0161kody na va\u0161em majetku zp\u016fsoben\u00e9 de\u0161t\u011bm, sn\u011bhem nebo kroupami<\/strong>, kter\u00e9 nahodile vniknou do va\u0161eho domu nebo bytu. Nahodilost<\/strong> je zde d\u016fle\u017eit\u00fdm pojmem. Pokud v\u00e1m toti\u017e pr\u0161\u00ed do podkrov\u00ed kv\u016fli otev\u0159en\u00e9mu st\u0159e\u0161n\u00edmu oknu, s n\u00e1rokem na pln\u011bn\u00ed u v\u011bt\u0161iny poji\u0161\u0165oven neusp\u011bjete. Zate\u010den\u00ed a n\u00e1sledn\u00e1 \u0161koda se toti\u017e p\u0159i jak\u00e9mkoli lehk\u00e9m de\u0161t\u00edku st\u00e1v\u00e1 tak\u0159ka jistotou. Stejn\u011b tak za rozpadlou st\u0159echu nebo okapy pln\u00e9 lo\u0148sk\u00e9ho list\u00ed v\u00e1m nikdo nic nevyplat\u00ed. Poji\u0161t\u011bn\u00ed je tu naopak pro jednor\u00e1zov\u00e9 \u0161kodn\u00ed ud\u00e1losti<\/strong> zp\u016fsoben\u00e9 t\u0159eba spadlou ta\u0161kou ze st\u0159echy nebo krupobit\u00edm, jejich\u017e n\u00e1sledkem bylo pr\u00e1v\u011b zate\u010den\u00ed vody do interi\u00e9ru.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed majetku s rizikem zate\u010den\u00ed sr\u00e1\u017eek v\u00e1s chr\u00e1n\u00ed do sjednan\u00e9ho limitu pln\u011bn\u00ed<\/strong>, kter\u00fd jste sjednali ve smlouv\u011b. \u0160kody na v\u011bcech v dom\u00e1cnosti v tomto p\u0159\u00edpad\u011b zpravidla nep\u0159es\u00e1hnou 50 000 korun<\/strong>, vysta\u010d\u00edte si tedy s limitem pod 100 000 K\u010d. Na jednotliv\u00e1 rizika v\u010detn\u011b tohoto se z\u00e1rove\u0148 sjedn\u00e1v\u00e1 spolu\u00fa\u010dast<\/strong>. Na n\u00e1hrad\u011b \u0161kody se tedy budete pod\u00edlet ur\u010dit\u00fdm procentem nebo pevnou \u010d\u00e1stkou i vy. Nej\u010dast\u011bji se spolu\u00fa\u010dast sjedn\u00e1v\u00e1 v rozmez\u00ed 1-5 000 korun. <\/p>\n\n\n\n

Na co d\u00e1vat pozor, kdy\u017e se chcete pojistit proti zate\u010den\u00ed vody<\/h2>\n\n\n\n

U poji\u0161\u0165oven naleznete mo\u017enost pojistit se proti zate\u010den\u00ed sr\u00e1\u017eek v r\u00e1mci poji\u0161t\u011bn\u00ed domu a bytu<\/strong>. Chaty a chalupy<\/strong><\/a> toti\u017e b\u00fdvaj\u00ed kv\u016fli nepravideln\u00e9mu sez\u00f3nn\u00edmu vyu\u017eit\u00ed i \u201cchatrn\u011bj\u0161\u00ed\u201d konstrukci budov pro poji\u0161\u0165ovny p\u0159\u00edli\u0161 rizikov\u00e9<\/strong>. V pojistn\u00fdch podm\u00ednk\u00e1ch v\u017edy naraz\u00edte i na v\u00fdluky z kryt\u00ed u jak\u00e9koli budovy, jej\u00ed\u017e st\u0159echa je zch\u00e1tral\u00e1, zanedban\u00e1<\/strong> nebo dlouhodob\u011b po\u0161kozen\u00e1. U poji\u0161\u0165ovny tak\u00e9 neusp\u011bjete, pokud je st\u0159e\u0161n\u00ed konstrukce pouze provizorn\u00ed<\/strong>, co\u017e nej\u010dast\u011bji plat\u00ed pro domy ve v\u00fdstavb\u011b.<\/p>\n\n\n\n

Asi v\u00e1s nep\u0159ekvap\u00ed, \u017ee pokud do va\u0161eho domu zate\u010de voda, budete muset st\u0159echu \u010di jin\u00e9 po\u0161kozen\u00e9 m\u00edsto opravit ze sv\u00e9ho, <\/strong>proto\u017ee vyplacen\u00e9 pln\u011bn\u00ed slou\u017e\u00ed k n\u00e1hrad\u011b \u0161kod na v\u011bcech zni\u010den\u00fdch zate\u010den\u00edm vody. Pokud v\u00e1m znovu zate\u010de do va\u0161\u00ed nemovitosti ze stejn\u00e9ho d\u016fvodu jako u ji\u017e jednou nahl\u00e1\u0161en\u00e9 ud\u00e1losti, poji\u0161\u0165ovna pln\u011bn\u00ed odm\u00edtne. U n\u011bkter\u00fdch poji\u0161\u0165oven je tak\u00e9 nutn\u00e9 p\u0159edem rozpo\u010det a zp\u016fsob proveden\u00ed opravy<\/strong> schv\u00e1lit, a\u0165 u\u017e se do opravy pust\u00edte sv\u00e9pomoc\u00ed nebo s dodavatelem<\/strong>. <\/p>\n\n\n\n

Je\u0161t\u011b poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti nem\u00e1te? Srovnejte <\/strong>si nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky<\/strong> poji\u0161t\u011bn\u00ed majetku na RIXO.cz a chra\u0148te sv\u016fj d\u016fm v jak\u00e9koliv chv\u00edli proti v\u0161em \u017eivl\u016fm. Nemus\u00ed toti\u017e pr\u0161et, sta\u010d\u00ed, kdy\u017e kape\u2026<\/p>\n\n\n\n

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Srovnat poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

P\u0159\u00edvalov\u00fd d\u00e9\u0161\u0165, sn\u011bhov\u00e1 obleva nebo skoro nepost\u0159ehnuteln\u00e9 mrholen\u00ed m\u016f\u017ee majitele rodinn\u00fdch dom\u016f p\u011bkn\u011b potr\u00e1pit, zvl\u00e1\u0161\u0165 kdy\u017e jim zat\u00e9k\u00e1 do domu. Zate\u010den\u00ed sr\u00e1\u017eek v\u00e1s toti\u017e m\u016f\u017ee potkat i v p\u0159\u00edpad\u011b, \u017ee nem\u00e1te d\u00edru ve st\u0159e\u0161e.<\/p>\n","protected":false},"author":11,"featured_media":2253,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[9,7],"tags":[51,25],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2251"}],"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=2251"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2251\/revisions"}],"predecessor-version":[{"id":2265,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2251\/revisions\/2265"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2253"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}