{"id":1194,"date":"2024-11-20T10:10:19","date_gmt":"2024-11-20T09:10:19","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1194"},"modified":"2025-10-24T11:41:45","modified_gmt":"2025-10-24T10:41:45","slug":"jak-zazimovat-nemovitost-a-ochranit-ji-pred-mrazem","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-zazimovat-nemovitost-a-ochranit-ji-pred-mrazem\/","title":{"rendered":"Jak zazimovat nemovitost a ochr\u00e1nit ji p\u0159ed mrazem"},"content":{"rendered":"\n<p>Sn\u00edh, led a mr\u00e1z. I v zim\u011b dok\u00e1\u017eou p\u0159\u00edrodn\u00ed \u017eivly nap\u00e1chat velk\u00e9 \u0161kody na nemovitostech. Inspirujte se proto na\u0161imi tipy, jak zazimovat nemovitost co nejl\u00e9pe. Jen d\u00edky nim nebudete muset \u0159e\u0161it n\u00e1klady nav\u00edc a spousty zbyte\u010dn\u00e9 pr\u00e1ce.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-8-tip-jak-zazimovat-nemovitost\">8 tip\u016f, jak zazimovat nemovitost<\/a><\/li><li class=\"\"><a href=\"#htoc-namrzl-chodn-ky-kdo-zodpov-d-za-razy\">Namrzl\u00e9 chodn\u00edky \u2013 kdo zodpov\u00edd\u00e1 za \u00farazy?<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-chodn-k-p-ilehl-k-nemovitosti\">Chodn\u00edk p\u0159ilehl\u00fd k nemovitosti<\/a><\/li><li class=\"\"><a href=\"#htoc-chodn-k-na-va-em-pozemku\">Chodn\u00edk na va\u0161em pozemku<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-jak-poji-t-n-pokryje-kody\">Jak\u00e9 poji\u0161t\u011bn\u00ed pokryje \u0161kody<\/a><\/li><li class=\"\"><a href=\"#htoc-zkontrolujte-svou-star-smlouvu\">Zkontrolujte svou star\u0161\u00ed smlouvu<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Pojistn\u00e9 \u0161kody se nej\u010dast\u011bji objevuj\u00ed v neobydlen\u00fdch domech kv\u016fli <strong>popraskan\u00fdm vodovodn\u00edm trubk\u00e1m<\/strong> a rozvod\u016fm, <strong>p\u00e1du ledu nebo sn\u011bhu ze st\u0159echy<\/strong>, p\u0159\u00edpadn\u011b protr\u017een\u00ed st\u0159echy pod t\u00edhou sn\u011bhov\u00e9 nad\u00edlky. U rekrea\u010dn\u00edch nemovitost\u00ed nezapom\u00ednejte ani na po\u017e\u00e1ry. V zim\u011b se v\u00edc top\u00ed a topn\u00e9 syst\u00e9my jsou \u010dasto v nevyhovuj\u00edc\u00edm stavu, bez pot\u0159ebn\u00fdch reviz\u00ed a \u00fadr\u017eby.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-8-tip-jak-zazimovat-nemovitost\"><strong>8 tip\u016f, jak zazimovat nemovitost<\/strong><\/h2>\n\n\n\n<p>Pokud d\u016fm, chatu nebo chalupu v zim\u011b nevyu\u017e\u00edv\u00e1te a bl\u00ed\u017e\u00ed se chladn\u00e9 po\u010das\u00ed, inspirujte se t\u011bmito tipy.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-zastavte-p-vod-vody-i-drobn-prasklina-v-potrub-dok-e-nap-chat-velk-kody-a-to-nejen-na-samotn-m-majetku-ale-i-va-pen-ence-v-p-pad-tu-za-vodu\"><strong>Zastavte p\u0159\u00edvod vody.<\/strong> I drobn\u00e1 prasklina v potrub\u00ed dok\u00e1\u017ee nap\u00e1chat velk\u00e9 \u0161kody, a to nejen na samotn\u00e9m majetku, ale i va\u0161\u00ed pen\u011b\u017eence v p\u0159\u00edpad\u011b \u00fa\u010dtu za vodu.&nbsp;<\/li>\n\n\n\n<li id=\"htoc-temperujete-nebo-vyp-n-te-topen-od-toho-pro-jakou-mo-nost-se-rozhodnete-se-odv-j-m-ra-vypu-t-n-vody-z-potrub-bojleru-z-chodu-a-jin-ch-syst-mech-kter-se-b-hem-zimy-nepou-vaj\"><strong>Temperujete, nebo vyp\u00edn\u00e1te topen\u00ed?<\/strong> Od toho, pro jakou mo\u017enost se rozhodnete, se odv\u00edj\u00ed m\u00edra vypu\u0161t\u011bn\u00ed vody z potrub\u00ed, bojleru, z\u00e1chodu a jin\u00fdch syst\u00e9mech, kter\u00e9 se b\u011bhem zimy nepou\u017e\u00edvaj\u00ed.<\/li>\n\n\n\n<li id=\"htoc-obalte-potrub-ze-kter-ch-jste-nevypustili-vodu-voda-by-v-nich-mohla-zmrznout-pokud-pl-nujete-b-hem-zimy-zcela-vypnout-topn-syst-my-vypus-e-vodu-se-syst-mu-je-t-d-kladn-ji\"><strong>Obalte potrub\u00ed, ze kter\u00fdch jste nevypustili vodu.<\/strong> Voda by v nich mohla zmrznout. Pokud pl\u00e1nujete b\u011bhem zimy zcela vypnout topn\u00e9 syst\u00e9my, vypus\u0165e vodu se syst\u00e9mu je\u0161t\u011b d\u016fkladn\u011bji.<\/li>\n\n\n\n<li id=\"htoc-nenech-vejte-na-chat-dn-j-dlo-kter-by-mohlo-p-il-kat-hlodavce\"><strong>Nenech\u00e1vejte na chat\u011b \u017e\u00e1dn\u00e9 j\u00eddlo<\/strong>, kter\u00e9 by mohlo p\u0159il\u00e1kat hlodavce.<\/li>\n\n\n\n<li id=\"htoc-zkontrolujte-celou-nemovitost-hlavn-st-echu-ujist-te-se-e-nic-nen-po-kozen-t-ha-sn-hu-by-takov-kody-mohla-zn-sobit\"><strong>Zkontrolujte celou nemovitost <\/strong>\u2013 hlavn\u011b st\u0159echu. Ujist\u011bte se, \u017ee nic nen\u00ed po\u0161kozen\u00e9. T\u00edha sn\u011bhu by takov\u00e9 \u0161kody mohla zn\u00e1sobit.<\/li>\n\n\n\n<li id=\"htoc-zabezpe-te-nemovitost-proti-zlod-j-m-a-vandal-m-nezapome-te-po-dn-zav-t-okna-zamknout-dve-e-pou-t-dostupn-ochrann-syst-my-a-bezpe-nostn-z-mky\"><strong>Zabezpe\u010dte nemovitost proti zlod\u011bj\u016fm a vandal\u016fm. <\/strong>Nezapome\u0148te po\u0159\u00e1dn\u011b zav\u0159\u00edt okna, zamknout dve\u0159e, pou\u017e\u00edt dostupn\u00e9 ochrann\u00e9 syst\u00e9my a bezpe\u010dnostn\u00ed z\u00e1mky.<\/li>\n\n\n\n<li id=\"htoc-domluvte-se-se-sousedy-na-ob-asn-kontrole-budete-v-klidu-e-je-s-va-nemovitost-v-e-v-po-dku\"><strong>Domluvte se se sousedy na ob\u010dasn\u00e9 kontrole.<\/strong> Budete v klidu, \u017ee je s va\u0161\u00ed nemovitost\u00ed v\u0161e v po\u0159\u00e1dku.<\/li>\n\n\n\n<li id=\"htoc-pojist-te-svou-nemovitost-pokud-jste-to-je-t-neud-lali-ve-fingo-v-m-r-di-porovn-me-nab-dky-poji-oven-a-doporu-me-tu-nejlep-variantu\"><strong><a href=\"https:\/\/www.fingo.cz\/blog\/irena-jakobova-radi-nezivotni-pojisteni-nepodcenujte-je-to-vase-jistota\/\">Pojist\u011bte svou nemovitost<\/a>, <\/strong>pokud jste to je\u0161t\u011b neud\u011blali. Ve FinGO v\u00e1m r\u00e1di porovn\u00e1me nab\u00eddky poji\u0161\u0165oven a doporu\u010d\u00edme tu nejlep\u0161\u00ed variantu.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-namrzl-chodn-ky-kdo-zodpov-d-za-razy\"><strong>Namrzl\u00e9 chodn\u00edky \u2013 kdo zodpov\u00edd\u00e1 za \u00farazy?<\/strong><\/h2>\n\n\n\n<p>V zim\u011b nast\u00e1v\u00e1 ot\u00e1zka, kdo nese odpov\u011bdnost za \u0161kody zp\u016fsoben\u00e9 nap\u0159\u00edklad uklouznut\u00edm nebo p\u00e1dy na neodhrnut\u00fdch, zasn\u011b\u017een\u00fdch a zmrzl\u00fdch chodn\u00edc\u00edch. V t\u011bchto situac\u00edch je t\u0159eba rozli\u0161ovat, jestli jde o p\u0159ilehl\u00fd chodn\u00edk k nemovitosti, nebo o chodn\u00edk na va\u0161em pozemku.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-chodn-k-p-ilehl-k-nemovitosti\">Chodn\u00edk p\u0159ilehl\u00fd k nemovitosti<\/h3>\n\n\n\n<p>V roce 2018 se zm\u011bnil z\u00e1kon a jako majitel nemovitosti u\u017e nemus\u00edte odkl\u00edzet sn\u00edh z chodn\u00edku p\u0159ilehl\u00e9ho ke sv\u00e9mu domu. Nenesete tedy odpov\u011bdnost za \u0161kody, kter\u00e9 vzniknou kv\u016fli neodklizen\u00e9mu sn\u011bhu. Odkl\u00edzen\u00ed chodn\u00edk\u016f <strong>je starost\u00ed spr\u00e1vce m\u00edstn\u00edch komunikac\u00ed<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-chodn-k-na-va-em-pozemku\">Chodn\u00edk na va\u0161em pozemku<\/h3>\n\n\n\n<p>Pokud z va\u0161\u00ed st\u0159echy t\u0159eba spadne sn\u00edh a n\u011bkomu zp\u016fsob\u00ed \u0161kodu, \u0159e\u0161\u00ed se to pomocn\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti. M\u016f\u017ee j\u00edt jak o <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong> z vlastnictv\u00ed dan\u00e9 nemovitosti, tak o <strong>ob\u010danskou odpov\u011bdnost<\/strong>. Ka\u017ed\u00e1 pojistn\u00e1 ud\u00e1lost je ale specifick\u00e1. O tom, jestli poji\u0161\u0165ovna \u0161kodu proplat\u00ed, rozhoduje mnoho faktor\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-poji-t-n-pokryje-kody\">Jak\u00e9 poji\u0161t\u011bn\u00ed pokryje \u0161kody<\/h2>\n\n\n\n<p>M\u016f\u017eou nastat situace, kdy poji\u0161\u0165ovna nevyplat\u00ed pojistn\u00e9 pln\u011bn\u00ed na pokryt\u00ed \u0161kody nebo p\u0159istoup\u00ed ke kr\u00e1cen\u00ed pojistn\u00e9ho pln\u011bn\u00ed. V\u00e1m tak vyplat\u00ed m\u00e9n\u011b pen\u011bz, ne\u017e \u010dek\u00e1te, a nepokryje plnou \u0161kodu.<\/p>\n\n\n\n<p>Chcete jistotu, \u017ee m\u00e1te chalupu, d\u016fm nebo byt poji\u0161t\u011bn\u00fd spr\u00e1vn\u011b? Sjednejte si tato t\u0159i poji\u0161t\u011bn\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-poji-t-n-nemovitosti\"><em>poji\u0161t\u011bn\u00ed nemovitosti<\/em><\/li>\n\n\n\n<li id=\"htoc-poji-t-n-dom-cnosti\"><em>poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/em><\/li>\n\n\n\n<li id=\"htoc-poji-t-n-odpov-dnosti\"><em>poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/em><\/li>\n<\/ul>\n\n\n\n<p>Krom\u011b toho nezapom\u00ednejte na n\u00e1sleduj\u00edc\u00ed pravidla:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-pe-ujte-o-svou-nemovitost-a-udr-ujte-ji-v-dobr-m-stavu\"><strong>Pe\u010dujte o svou nemovitost<\/strong> a udr\u017eujte ji v dobr\u00e9m stavu.<\/li>\n\n\n\n<li id=\"htoc-nezanedb-vejte-revize-d-le-it-ch-sou-st-stavby-nebo-spot-ebi\">Nezanedb\u00e1vejte <strong>revize d\u016fle\u017eit\u00fdch sou\u010d\u00e1st\u00ed<\/strong> stavby nebo spot\u0159ebi\u010d\u016f.<\/li>\n\n\n\n<li id=\"htoc-kdy-u-nastane-pojistn-ud-lost-neprodlen-a-pravdiv-ji-nahlaste-sv-poji-ovn\">Kdy\u017e u\u017e nastane pojistn\u00e1 ud\u00e1lost, neprodlen\u011b a pravdiv\u011b ji <strong>nahlaste sv\u00e9 poji\u0161\u0165ovn\u011b<\/strong>.<\/li>\n\n\n\n<li id=\"htoc-pokud-nev-te-jak-postupovat-nahlaste-kodu-spolu-se-sv-m-finan-n-m-poradcem\">Pokud nev\u00edte, jak postupovat, nahlaste \u0161kodu <strong>spolu se sv\u00fdm finan\u010dn\u00edm poradcem<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-zkontrolujte-svou-star-smlouvu\">Zkontrolujte svou star\u0161\u00ed smlouvu<\/h2>\n\n\n\n<p>Myslete na to, \u017ee pojistn\u00fd trh a jeho produkty se <strong>postupem \u010dasu vyv\u00edjej\u00ed<\/strong>. Ceny nemovitost\u00ed rostou a s nimi i hodnota va\u0161eho majetku. Pokud m\u00e1te starou pojistnou smlouvu a nemovitost poji\u0161t\u011bnou na n\u00edzkou \u010d\u00e1stku, v\u00e1\u0161 d\u016fm u\u017e m\u016f\u017ee <a href=\"https:\/\/www.fingo.cz\/blog\/podpojisteni-nemovitosti\/\">b\u00fdt podpoji\u0161t\u011bn\u00fd<\/a>. To je chyba, kter\u00e1 m\u00e1 z\u00e1sadn\u00ed vliv na pln\u011bn\u00ed v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti.\u00a0<\/p>\n\n\n\n<p>Pokud se chcete poradit ohledn\u011b st\u00e1vaj\u00edc\u00ed pojistn\u00e9 smlouvy, <a href=\"https:\/\/www.fingo.cz\/kontakty\">obra\u0165te se na n\u00e1s<\/a>. Na\u0161i poradci v\u00e1m smlouvu zkontroluj\u00ed a p\u0159\u00edpadn\u011b doporu\u010d\u00ed v\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed. A\u0165 u\u017e cenov\u011b, rozsahem pojistn\u00e9ho kryt\u00ed, nebo asisten\u010dn\u00edch slu\u017eeb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sn\u00edh, led a mr\u00e1z. I v zim\u011b dok\u00e1\u017eou p\u0159\u00edrodn\u00ed \u017eivly nap\u00e1chat velk\u00e9 \u0161kody na nemovitostech. Inspirujte se proto na\u0161imi tipy, jak zazimovat nemovitost co nejl\u00e9pe. Jen d\u00edky nim nebudete muset \u0159e\u0161it n\u00e1klady nav\u00edc a spousty zbyte\u010dn\u00e9 pr\u00e1ce. Pojistn\u00e9 \u0161kody se nej\u010dast\u011bji objevuj\u00ed v neobydlen\u00fdch domech kv\u016fli popraskan\u00fdm vodovodn\u00edm trubk\u00e1m a rozvod\u016fm, p\u00e1du ledu nebo sn\u011bhu ze st\u0159echy, p\u0159\u00edpadn\u011b protr\u017een\u00ed st\u0159echy pod t\u00edhou sn\u011bhov\u00e9 nad\u00edlky. U rekrea\u010dn\u00edch nemovitost\u00ed nezapom\u00ednejte ani na po\u017e\u00e1ry. V zim\u011b se v\u00edc top\u00ed a topn\u00e9 syst\u00e9my jsou \u010dasto v nevyhovuj\u00edc\u00edm stavu, bez pot\u0159ebn\u00fdch reviz\u00ed a \u00fadr\u017eby. 8 tip\u016f, jak zazimovat nemovitost Pokud d\u016fm, chatu nebo chalupu v zim\u011b nevyu\u017e\u00edv\u00e1te a bl\u00ed\u017e\u00ed se chladn\u00e9 po\u010das\u00ed, inspirujte se t\u011bmito tipy. Namrzl\u00e9 chodn\u00edky \u2013 kdo zodpov\u00edd\u00e1 za \u00farazy? V zim\u011b nast\u00e1v\u00e1 ot\u00e1zka, kdo nese odpov\u011bdnost za \u0161kody zp\u016fsoben\u00e9 nap\u0159\u00edklad uklouznut\u00edm nebo p\u00e1dy na neodhrnut\u00fdch, zasn\u011b\u017een\u00fdch a zmrzl\u00fdch chodn\u00edc\u00edch. V t\u011bchto situac\u00edch je t\u0159eba rozli\u0161ovat, jestli jde o p\u0159ilehl\u00fd chodn\u00edk k nemovitosti, nebo o chodn\u00edk na va\u0161em pozemku. Chodn\u00edk p\u0159ilehl\u00fd k nemovitosti V roce 2018 se zm\u011bnil z\u00e1kon a jako majitel nemovitosti u\u017e nemus\u00edte odkl\u00edzet sn\u00edh z chodn\u00edku p\u0159ilehl\u00e9ho ke sv\u00e9mu domu. Nenesete tedy odpov\u011bdnost za \u0161kody, kter\u00e9 vzniknou kv\u016fli neodklizen\u00e9mu sn\u011bhu. Odkl\u00edzen\u00ed chodn\u00edk\u016f je starost\u00ed spr\u00e1vce m\u00edstn\u00edch komunikac\u00ed. Chodn\u00edk na [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":2394,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[19,52,53],"class_list":["post-1194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezivotni-pojisteni","tag-irena-jakobova","tag-nezivotni-pojisteni","tag-pojisteni-nemovitosti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak zazimovat nemovitost - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Kombinace sn\u011bhu, ledu a mrazu dok\u00e1\u017ee na chat\u00e1ch a chalup\u00e1ch nap\u00e1chat \u0161kody. 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