[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cerum.cz\/kdy-si-pojistit-novy-dum-ci-byt\/#Article","mainEntityOfPage":"https:\/\/www.cerum.cz\/kdy-si-pojistit-novy-dum-ci-byt\/","headline":"Kdy si pojistit nov\u00fd d\u016fm \u010di byt","name":"Kdy si pojistit nov\u00fd d\u016fm \u010di byt","description":"Asi v\u0161ichni dob\u0159e v\u00edme, \u017ee nehody se st\u00e1vaj\u00ed. To plat\u00ed o nemovitostech. Ty mohou po\u0161kodit s\u00a0nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed ne\u010dekan\u00e9 ud\u00e1losti po\u010das\u00ed, jako jsou bou\u0159e, povodn\u011b \u010di…","datePublished":"2023-10-30","dateModified":"2023-10-30","author":{"@type":"Person","@id":"https:\/\/www.cerum.cz\/author\/#Person","name":"","url":"https:\/\/www.cerum.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cerum.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cerum.cz\/wp-content\/uploads\/hypoteka3_10_10_10_10_5.png","url":"https:\/\/www.cerum.cz\/wp-content\/uploads\/hypoteka3_10_10_10_10_5.png","height":0,"width":0},"url":"https:\/\/www.cerum.cz\/kdy-si-pojistit-novy-dum-ci-byt\/","about":["Byt a d\u016fm"],"wordCount":444,"articleBody":"Asi v\u0161ichni dob\u0159e v\u00edme, \u017ee nehody se st\u00e1vaj\u00ed. To plat\u00ed o nemovitostech. Ty mohou po\u0161kodit s\u00a0nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed ne\u010dekan\u00e9 ud\u00e1losti po\u010das\u00ed, jako jsou bou\u0159e, povodn\u011b \u010di dokonce torn\u00e1da. A tyto kalamity jsou i v\u00a0na\u0161\u00ed zemi s\u00a0postupuj\u00edc\u00edmi glob\u00e1ln\u00edmi zm\u011bnami klimatu st\u00e1le \u010dast\u011bj\u0161\u00ed. Opravy t\u011bchto dom\u016f jsou n\u00e1sledn\u011b velmi drah\u00e9, co\u017e zvl\u00e1\u0161t\u011b v\u00a0dne\u0161n\u00ed ekonomick\u00e9 situaci mnoha rodin m\u016f\u017ee b\u00fdt a\u017e likvida\u010dn\u00ed.\u00a0Jednou z\u00a0mo\u017enost\u00ed, jak katastrofu alespo\u0148 \u010d\u00e1ste\u010dn\u011b odvr\u00e1tit, je poji\u0161t\u011bn\u00ed nemovitosti. To dnes nab\u00edz\u00ed v\u0161echny poji\u0161\u0165ovny, p\u0159i\u010dem\u017e ka\u017ed\u00e1 m\u00e1 samoz\u0159ejm\u011b trochu jin\u00e9 podm\u00ednky. Je v\u0161ak ot\u00e1zkou, zda se n\u00e1m bude cht\u00edt m\u011bs\u00ed\u010dn\u011b platit ur\u010ditou \u010d\u00e1stku, kterou nakonec mo\u017en\u00e1 nevyu\u017eijeme. Jak v\u0161ak ned\u00e1vn\u00e9 povodn\u011b uk\u00e1zaly, ne\u0161t\u011bst\u00ed se m\u016f\u017ee st\u00e1t v\u00a0podstat\u011b kdykoliv. Celkov\u011b lze tedy \u0159\u00edci, \u017ee pojistit si d\u016fm \u010di byt se vyplat\u00ed. P\u0159itom je v\u0161ak nutn\u00e9 si na p\u00e1r v\u011bc\u00ed d\u00e1vat pozor.\u00a0\u00a0V\u00a0prvn\u00ed \u0159ad\u011b si mus\u00edme uv\u011bdomit, \u017ee poji\u0161\u0165ovna je firma jako ka\u017ed\u00e1 jin\u00e1, a chce m\u00edt co nejv\u011bt\u0161\u00ed zisk. Proto jsou podm\u00ednky \u010dasto nastaveny tak, aby musely platit pouze v\u00a0p\u0159\u00edpad\u011b, kdy u\u017e opravdu nic jin\u00e9ho nezbude. Ne\u017e tedy pojistnou smlouvu podep\u00ed\u0161eme, dob\u0159e si ji p\u0159e\u010dt\u011bme, zejm\u00e9na pak v\u00fdluky. Na pam\u011bti pak m\u011bjme tak\u00e9 to, kde n\u00e1\u0161 d\u016fm stoj\u00ed, a jak pravd\u011bpodobn\u00e9 je, \u017ee bude po\u0161kozen.\u00a0\u00a0Pokud v\u0161ak chceme sv\u016fj d\u016fm pojistit, m\u011bli bychom to ud\u011blat co nejd\u0159\u00edve. Mus\u00edme toti\u017e pamatovat na to, \u017ee v\u011bt\u0161ina poji\u0161\u0165oven m\u00e1 takzvanou karen\u010dn\u00ed dobu, po kterou sice poji\u0161t\u011bn\u00ed b\u011b\u017e\u00ed, av\u0161ak pokud v\u00a0dan\u00e9m obdob\u00ed vznikne pojistn\u00e1 ud\u00e1lost, nebude proplacena. Rozhodn\u011b tedy nepoji\u0161\u0165ujme n\u00e1\u0161 d\u016fm teprve tehdy, kdy\u017e se objev\u00ed p\u0159edpov\u011b\u010f, \u017ee se bl\u00ed\u017e\u00ed povode\u0148.\u00a0Zde je dobr\u00e9 m\u00edt tak\u00e9 na pam\u011bti, \u017ee nemovitost m\u016f\u017eeme pojistit je\u0161t\u011b p\u0159edt\u00edm, ne\u017e byl proveden z\u00e1pis v\u00a0katastru. Jakmile byla podeps\u00e1na smlouva o po\u0159\u00edzen\u00ed nemovitosti, je mo\u017en\u00e9 ji pojistit na jm\u00e9no nov\u00e9ho vlastn\u00edka. To je bohu\u017eel n\u011bco, co mnoho lid\u00ed nev\u00ed. Jist\u011b, v\u011bt\u0161inou to nevad\u00ed, av\u0161ak v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech to m\u016f\u017ee zp\u016fsobit velk\u00e9 probl\u00e9my, \u010dasto ke \u0161kod\u011b v\u0161ech z\u00fa\u010dastn\u011bn\u00fdch.                                                                                                                                                                                                                                                                                                                                                                                                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