[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/teit.cz\/co-delat-kdyz-uderi-letni-zivli\/#Article","mainEntityOfPage":"https:\/\/teit.cz\/co-delat-kdyz-uderi-letni-zivli\/","headline":"Co d\u011blat, kdy\u017e ude\u0159\u00ed letn\u00ed \u017eivli","name":"Co d\u011blat, kdy\u017e ude\u0159\u00ed letn\u00ed \u017eivli","description":"Takov\u00e9to nesn\u00e1ze \u010dasto majitel\u016fm dom\u016f a jin\u00e9ho majetku zp\u016fsob\u00ed velk\u00e9 \u0161kody. Ti pak mus\u00ed \u0159e\u0161it opravy, zatopen\u00e9 sklepy, po\u0161kozen\u00e9 st\u0159echy a spoustu jin\u00fdch v\u011bc\u00ed. Tyto \u0161kody se mohou pohybovat v\u00a0\u0159\u00e1dech des\u00edtek tis\u00edc korun a\u017e do milionu. –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u0159i povodn\u00edch a z\u00e1plav\u00e1ch se \u0161kody pohybuj\u00ed okolo 150 tis\u00edc korun. U krupobit\u00ed jde o 45 tis\u00edc korun. … ","datePublished":"2026-05-03","dateModified":"2026-05-03","author":{"@type":"Person","@id":"https:\/\/teit.cz\/author\/#Person","name":"","url":"https:\/\/teit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"teit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/teit.cz\/wp-content\/uploads\/img_a294088_w2200_t1506015269.jpg","url":"https:\/\/teit.cz\/wp-content\/uploads\/img_a294088_w2200_t1506015269.jpg","height":0,"width":0},"url":"https:\/\/teit.cz\/co-delat-kdyz-uderi-letni-zivli\/","wordCount":417,"articleBody":"Takov\u00e9to nesn\u00e1ze \u010dasto majitel\u016fm dom\u016f a jin\u00e9ho majetku zp\u016fsob\u00ed velk\u00e9 \u0161kody. Ti pak mus\u00ed \u0159e\u0161it opravy, zatopen\u00e9 sklepy, po\u0161kozen\u00e9 st\u0159echy a spoustu jin\u00fdch v\u011bc\u00ed. Tyto \u0161kody se mohou pohybovat v\u00a0\u0159\u00e1dech des\u00edtek tis\u00edc korun a\u017e do milionu.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u0159i povodn\u00edch a z\u00e1plav\u00e1ch se \u0161kody pohybuj\u00ed okolo 150 tis\u00edc korun. U krupobit\u00ed jde o 45 tis\u00edc korun. U vich\u0159ice pr\u016fm\u011brn\u011b 29 tis\u00edc korun.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pojistit si nemovitosti a dom\u00e1cnost je v\u00a0takov\u00fdchto p\u0159\u00edpadech z\u00e1klad. Poji\u0161t\u011bn\u00ed kryje \u0161kody zp\u016fsoben\u00e9 vich\u0159ic\u00ed, \u00faderem blesku, krupobit\u00edm a po\u017e\u00e1rem. Pot\u00e9 co ke \u0161kod\u011b dojde, je nutn\u00e9 informovat poji\u0161\u0165ovnu o zp\u016fsoben\u00e9 \u0161kod\u011b. Telefonicky, osobn\u00ed n\u00e1v\u0161t\u011bvou nebo vypln\u011bn\u00edm formul\u00e1\u0159e na jejich str\u00e1nk\u00e1ch.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Zp\u016fsobenou \u0161kodu si co nejd\u0159\u00edve vyfo\u0165te a za\u0161lete spolu s\u00a0osobn\u00edmi \u00fadaji, \u010d\u00edslem pojistn\u00e9 smlouvy a tak\u00e9 s\u00a0\u010d\u00edslem \u00fa\u010dtu na poji\u0161\u0165ovnu.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Je t\u0159eba uv\u00e9st, kdy ke \u0161kod\u011b do\u0161lo, v\u00a0jak\u00e9m rozsahu a na jak\u00e9m majetku se stala. P\u0159ipravte si tak\u00e9 smlouvu prokazuj\u00edc\u00ed vlastnictv\u00ed po\u0161kozen\u00e9ho majetku.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Likvid\u00e1tor, kter\u00e9ho poji\u0161\u0165ovna po\u0161le pak na z\u00e1klad\u011b informac\u00ed a dokument\u016f od V\u00e1s vyhodnot\u00ed cenu \u0161kody. Ne\u017e likvid\u00e1tor na m\u00edsto doraz\u00ed, nem\u011bly byste n\u00e1sledky zp\u016fsoben\u00e9 po\u010das\u00edm odkl\u00edzet. N\u011bkdy to ale jinak nejde. To je nutn\u00e9 v\u00a0p\u0159\u00edpad\u011b, \u017ee na st\u0159echu padnul strom a nad\u00e1le hodn\u011b pr\u0161\u00ed. Pak se mus\u00ed v\u0161e rychle nafotit, odklidit a zajistit st\u0159echu plachtou aby do domu d\u00e1le nezat\u00e9kalo a nevznikala tak dal\u0161\u00ed \u0161koda na majetku. Dobr\u00e9 je si zapsat n\u00e1klady na odkl\u00edzen\u00ed po\u0161kozen\u00e9ho majetku.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pokud si nev\u00edte rady jak spr\u00e1vn\u011b postupovat, obra\u0165te se na asisten\u010dn\u00ed slu\u017ebu, kter\u00e1 zku\u0161en\u011b a bezplatn\u011b porad\u00ed. B\u00fdv\u00e1 to zahrnuto v\u00a0cen\u011b poji\u0161t\u011bn\u00ed majetku.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kdy\u017e \u0159\u00e1d\u00ed povodn\u011b a z\u00e1plavy je t\u0159eba krom\u011b ji\u017e zm\u00edn\u011bn\u00fdch pot\u0159ebn\u00fdch informac\u00ed zapsat i seznam ve\u0161ker\u00fdch v\u011bc\u00ed, kter\u00e9 voda po\u0161kodila a odnesla. Seznam pokud mo\u017eno co nejobs\u00e1hlej\u0161\u00ed, kter\u00fd bude zahrnovat i hodnotu a st\u00e1\u0159\u00ed v\u011bc\u00ed. Nebojte se zapsat do seznamu i knihy a t\u0159eba i n\u00e1dob\u00ed. Likvid\u00e1tora bude zaj\u00edmat, do jak\u00e9 v\u00fd\u0161e sahala voda nebo mno\u017estv\u00ed naplaven\u00e9ho bahna. \u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co d\u011blat, kdy\u017e ude\u0159\u00ed letn\u00ed \u017eivli","item":"https:\/\/teit.cz\/co-delat-kdyz-uderi-letni-zivli\/#breadcrumbitem"}]}]