{"id":1717,"date":"2025-05-02T09:00:32","date_gmt":"2025-05-02T08:00:32","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1717"},"modified":"2026-07-14T14:17:49","modified_gmt":"2026-07-14T13:17:49","slug":"nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed majetku p\u0159i bou\u0159ce: Jak chr\u00e1nit sol\u00e1ry, \u010derpadla a elektroniku?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Intenzivn\u00ed bou\u0159ky doprov\u00e1zen\u00e9 siln\u00fdmi v\u00fdboji jsou v na\u0161ich zem\u011bpisn\u00fdch \u0161\u00ed\u0159k\u00e1ch st\u00e1le \u010dast\u011bj\u0161\u00ed a ni\u010div\u011bj\u0161\u00ed.<\/strong> S postupuj\u00edc\u00ed zm\u011bnou klimatu roste nejen po\u010det bou\u0159kov\u00fdch dn\u00ed, ale tak\u00e9 <strong>v\u00fd\u0161e \u0161kod, kter\u00e9 za sebou zanech\u00e1vaj\u00ed.<\/strong> Zat\u00edmco je\u0161t\u011b p\u0159ed n\u011bkolika lety znamenal z\u00e1sah blesku nebo v\u00fdkyv nap\u011bt\u00ed v s\u00edti prim\u00e1rn\u011b riziko sho\u0159el\u00e9 televize, dnes je situace zcela jin\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cesk\u00e9 st\u0159echy masivn\u011b pokryly fotovoltaick\u00e9 elektr\u00e1rny (FVE), v technick\u00fdch m\u00edstnostech bzu\u010d\u00ed drah\u00e1 tepeln\u00e1 \u010derpadla a v gar\u00e1\u017e\u00edch nab\u00edj\u00edme elektromobily p\u0159es wallboxy. <strong>Jak p\u0159ed p\u0159\u00edrodn\u00edmi \u017eivly ochr\u00e1nit investice za stovky tis\u00edc korun<\/strong> a jak\u00e9 poji\u0161t\u011bn\u00ed v\u00e1s skute\u010dn\u011b podr\u017e\u00ed, kdy\u017e oblohu protne elektrick\u00fd v\u00fdboj?<\/p>\n\n\n\n<div style=\"height:37px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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=\"#h-co-kryje-pojisteni-uderu-blesku\">P\u0159\u00edm\u00fd \u00fader blesku vs. p\u0159ep\u011bt\u00ed v s\u00edti: Zn\u00e1te rozd\u00edl?<\/a><\/li><li class=\"\"><a href=\"#htoc-chra-te-sv-spot-ebi-e-p-ed-p-ep-t-m\">Modern\u00ed technologie zvy\u0161uj\u00ed riziko drah\u00fdch \u0161kod<\/a><\/li><li class=\"\"><a href=\"#htoc-dal-nebezpe-bou-ek\">Fyzick\u00e1 vs. finan\u010dn\u00ed ochrana: Jak\u00e9 jsou mo\u017enosti?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-se-spr-vn-m-poji-t-n-m-v-m-pom-eme\">Jak zkontrolovat smlouvu, ne\u017e p\u0159ijde bou\u0159ka?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"h-co-kryje-pojisteni-uderu-blesku\" class=\"wp-block-heading\"><strong>P\u0159\u00edm\u00fd \u00fader blesku vs. p\u0159ep\u011bt\u00ed v s\u00edti: Zn\u00e1te rozd\u00edl?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mnoho lid\u00ed \u017eije v omylu, \u017ee pokud maj\u00ed v pojistn\u00e9 smlouv\u011b za\u0161krtnut\u00e9 pol\u00ed\u010dko \u201e\u017eiveln\u00ed katastrofy \u2013 \u00fader blesku\u201c, jsou kompletn\u011b chr\u00e1n\u011bni.<\/strong> Poji\u0161\u0165ovny v\u0161ak striktn\u011b rozli\u0161uj\u00ed mezi dv\u011bma odli\u0161n\u00fdmi jevy. Pro zjednodu\u0161en\u00ed si je m\u016f\u017eeme p\u0159edstavit n\u00e1sledovn\u011b:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-p-m-der-blesku-je-situace-kdy-elektrick-v-boj-z-oblaku-p-mo-ude-do-objektu-na-zemi-nap-klad-do-stromu-budovy-nebo-lov-ka-tento-der-m-e-b-t-velmi-siln-a-nebezpe-n-kdy-blesk-do-n-eho-ude-vytv-se-intenzivn-teplo-a-elektrick-proud-dan-m-objektem-proch-z-to-m-e-zp-sobit-po-r-a-u-lov-ka-dokonce-zran-n-nebo-smrt\"><strong>P\u0159\u00edm\u00fd \u00fader blesku je jako mechanick\u00e1 bomba:<\/strong> V\u00fdboj zas\u00e1hne p\u0159\u00edmo va\u0161i st\u0159echu, hromosvod nebo strom na pozemku. Zp\u016fsob\u00ed obrovsk\u00e9 teplo, mechanickou destrukci a \u010dasto okam\u017eit\u00fd po\u017e\u00e1r.<br><\/li>\n\n\n\n<li id=\"htoc-p-ep-t-je-oproti-tomu-situace-kdy-elektrick-v-boj-blesku-vytv-velmi-vysok-nap-t-na-elektrick-m-veden-p-ep-t-m-e-nastat-kv-li-blesku-kter-ude-do-veden-v-bl-zkosti-budovy-nebo-elektrick-ho-za-zen-kdy-dojde-k-p-ep-t-nap-t-v-elektrick-m-syst-mu-prudce-stoup-nad-jeho-norm-ln-rove-to-m-e-po-kodit-elektronick-za-zen-a-spot-ebi-e-nebo-elektrick-rozvody-v-budov-v-extr-mn-ch-p-padech-m-e-p-ep-t-zp-sobit-po-r\"><strong>P\u0159ep\u011bt\u00ed v s\u00edti je jako neviditeln\u00e9 elektrick\u00e9 tsunami:<\/strong> Blesk v\u016fbec nemus\u00ed uhodit do va\u0161eho domu. Sta\u010d\u00ed, kdy\u017e zas\u00e1hne distribu\u010dn\u00ed s\u00ed\u0165 nebo zemi o n\u011bkolik set metr\u016f d\u00e1l. Do va\u0161eho domu se po dr\u00e1tech \u010di uzemn\u011bn\u00ed p\u0159ival\u00ed obrovsk\u00e1 vlna vysok\u00e9ho nap\u011bt\u00ed, kter\u00e1 doslova usma\u017e\u00ed citliv\u00e9 mikro\u010dipy v zapojen\u00fdch za\u0159\u00edzen\u00edch.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcca <strong>Statistiky \u010cesk\u00e9 asociace poji\u0161\u0165oven<\/strong> hovo\u0159\u00ed jasn\u011b: p\u0159\u00edm\u00fd z\u00e1sah blesku do domu je relativn\u011b vz\u00e1cn\u00fd (poji\u0161\u0165ovny \u0159e\u0161\u00ed kolem 5 500 p\u0159\u00edpad\u016f ro\u010dn\u011b). <strong>Skute\u010dn\u00fdm masov\u00fdm stra\u0161\u00e1kem je ale pr\u00e1v\u011b p\u0159ep\u011bt\u00ed v s\u00edti, kter\u00e9 ka\u017edoro\u010dn\u011b vygeneruje p\u0159es 23 000 pojistn\u00fdch ud\u00e1lost\u00ed s celkovou \u0161kodou bl\u00ed\u017e\u00edc\u00ed se p\u016fl miliard\u011b korun. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Pokud blesk uhod\u00ed mimo v\u00e1\u0161 objekt a vy nem\u00e1te p\u0159ipoji\u0161t\u011bn\u00e9 nep\u0159\u00edm\u00e9 p\u0159ep\u011bt\u00ed, <strong>poji\u0161\u0165ovna v\u00e1m \u0161kodu na elektronice z b\u011b\u017en\u00e9ho z\u00e1kladu neproplat\u00ed.<\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background wp-block-paragraph\">Na p\u0159ep\u011bt\u00ed jsou velmi citliv\u00e9 hlavn\u011b spot\u0159ebi\u010de jako televize, po\u010d\u00edta\u010de a monitory. V\u00fdjime\u010dn\u011b ale m\u016f\u017ee takov\u00fd v\u00fdkyv po\u0161kodit i dal\u0161\u00ed elektrick\u00e9 spot\u0159ebi\u010de, v\u010detn\u011b pra\u010dky, bojleru nebo kuchy\u0148sk\u00fdch spot\u0159ebi\u010d\u016f.<\/p>\n\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-chra-te-sv-spot-ebi-e-p-ed-p-ep-t-m\" class=\"wp-block-heading\"><strong>Modern\u00ed technologie zvy\u0161uj\u00ed riziko drah\u00fdch \u0161kod<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-podle-pr-zkumu-spole-nosti-schneider-electric-26-lid-nev-e-sv-spot-ebi-e-m-e-p-ed-p-ep-t-m-chr-nit\"><strong>S p\u0159\u00edchodem modern\u00edch technologi\u00ed se pr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u0161kody po bou\u0159ce dramaticky zvedla.<\/strong> Pokud p\u0159ep\u011b\u0165ov\u00e1 vlna zas\u00e1hne st\u0159\u00edda\u010d sol\u00e1rn\u00ed elektr\u00e1rny, elektronickou \u0159\u00eddic\u00ed jednotku tepeln\u00e9ho \u010derpadla nebo z\u00e1kladn\u00ed desku wallboxu, <strong>oprava se nepohybuje v tis\u00edc\u00edch, ale ve statis\u00edc\u00edch korun.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 P\u0159i sjedn\u00e1v\u00e1n\u00ed nebo revizi poji\u0161t\u011bn\u00ed majetku je proto kritick\u00e9 pohl\u00eddat si dv\u011b v\u011bci:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-zda-jsou-tyto-technologie-fve-na-st-e-e-erpadlo-u-domu-poji-ovnou-br-ny-jako-sou-st-hlavn-stavby-nebo-jako-vedlej-objekty-s-vlastn-m-limitem-pln-n\">Zda jsou tyto technologie (FVE na st\u0159e\u0161e, \u010derpadlo u domu) poji\u0161\u0165ovnou br\u00e1ny jako sou\u010d\u00e1st hlavn\u00ed stavby, nebo jako vedlej\u0161\u00ed objekty s vlastn\u00edm limitem pln\u011bn\u00ed.<br><\/li>\n\n\n\n<li id=\"htoc-zda-zvolen-limit-pro-p-ep-t-a-podp-t-v-s-ti-odpov-d-re-ln-hodnot-t-chto-technologi-limit-20-000-k-na-elektrospot-ebi-e-kter-sta-il-v-minulosti-je-dnes-naprosto-nedostate-n\">Zda zvolen\u00fd limit pro p\u0159ep\u011bt\u00ed a podp\u011bt\u00ed v s\u00edti odpov\u00edd\u00e1 re\u00e1ln\u00e9 hodnot\u011b t\u011bchto technologi\u00ed. Limit 20 000 K\u010d na elektrospot\u0159ebi\u010de, kter\u00fd sta\u010dil v minulosti, je dnes naprosto nedostate\u010dn\u00fd.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<iframe id=\"iframeBannerV1_property\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=property\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-dal-nebezpe-bou-ek\" class=\"wp-block-heading\"><strong>Fyzick\u00e1 vs. finan\u010dn\u00ed ochrana: Jak\u00e9 jsou mo\u017enosti?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste minimalizovali riziko, \u017ee po bou\u0159ce z\u016fstanete bez elekt\u0159iny a s po\u0161kozen\u00fdm majetkem, je ide\u00e1ln\u00ed kombinovat technick\u00e1 \u0159e\u0161en\u00ed s finan\u010dn\u00edm kryt\u00edm. Ka\u017ed\u00fd p\u0159\u00edstup m\u00e1 sv\u00e1 pro a proti.<\/p>\n\n\n\n<h3 id=\"htoc-1-fyzick-ochrana-hromosvody-a-p-ep-ov-ochrany\" class=\"wp-block-heading\">1. Fyzick\u00e1 ochrana (Hromosvody a p\u0159ep\u011b\u0165ov\u00e9 ochrany)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-hody-kvalitn-hromosvod-a-t-stup-ov-p-ep-ov-ochrana-instalovan-p-mo-v-rozvad-i-dok-ou-odklonit-a-90-nebezpe-n-ch-v-boj-chr-n-zdrav-obyvatel-domu-a-zabra-uj-samotn-mu-vzniku-kody-i-po-ru\"><strong>V\u00fdhody:<\/strong> Kvalitn\u00ed hromosvod a t\u0159\u00edstup\u0148ov\u00e1 p\u0159ep\u011b\u0165ov\u00e1 ochrana instalovan\u00e1 p\u0159\u00edmo v rozvad\u011b\u010di dok\u00e1\u017eou odklonit a\u017e 90 % nebezpe\u010dn\u00fdch v\u00fdboj\u016f. Chr\u00e1n\u00ed zdrav\u00ed obyvatel domu a zabra\u0148uj\u00ed samotn\u00e9mu vzniku \u0161kody \u010di po\u017e\u00e1ru.<\/li>\n\n\n\n<li id=\"htoc-nev-hody-vy-po-izovac-cena-zejm-na-u-komplexn-ch-p-ep-ov-ch-ochran-typu-t1-t2-t3-a-nutnost-prov-d-t-pravideln-revize-samotn-fyzick-ochrana-nav-c-nikdy-nen-stoprocentn-proti-p-m-mu-z-sahu-extr-mn-siln-ho-blesku\"><strong>Nev\u00fdhody:<\/strong> Vy\u0161\u0161\u00ed po\u0159izovac\u00ed cena (zejm\u00e9na u komplexn\u00edch p\u0159ep\u011b\u0165ov\u00fdch ochran typu T1+T2+T3) a nutnost prov\u00e1d\u011bt pravideln\u00e9 revize. Samotn\u00e1 fyzick\u00e1 ochrana nav\u00edc nikdy nen\u00ed stoprocentn\u00ed proti p\u0159\u00edm\u00e9mu z\u00e1sahu extr\u00e9mn\u011b siln\u00e9ho blesku.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"htoc-2-finan-n-ochrana-spr-vn-nastaven-poji-t-n\" class=\"wp-block-heading\">2. Finan\u010dn\u00ed ochrana (Spr\u00e1vn\u011b nastaven\u00e9 poji\u0161t\u011bn\u00ed)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-hody-pokud-technika-sel-e-poji-t-n-v-m-poskytne-finan-n-prost-edky-na-n-kup-nov-ch-za-zen-nebo-opravu-domu-kryje-rizika-kter-fyzicky-ovlivnit-nedok-ete-nap-selh-n-zabezpe-en-na-stran-distributora-s-t\"><strong>V\u00fdhody:<\/strong> Pokud technika sel\u017ee, poji\u0161t\u011bn\u00ed v\u00e1m poskytne finan\u010dn\u00ed prost\u0159edky na n\u00e1kup nov\u00fdch za\u0159\u00edzen\u00ed nebo opravu domu. Kryje rizika, kter\u00e1 fyzicky ovlivnit nedok\u00e1\u017eete (nap\u0159. selh\u00e1n\u00ed zabezpe\u010den\u00ed na stran\u011b distributora s\u00edt\u011b).<\/li>\n\n\n\n<li id=\"htoc-nev-hody-poji-t-n-nezabr-n-samotn-hav-rii-po-ru-ani-administrativn-mu-stresu-spojen-mu-s-e-en-m-kody-pokud-nav-c-zapomenete-dolo-it-revizi-hromosvodu-nebo-potvrzen-od-servisu-poji-ovna-m-e-pln-n-kr-tit\"><strong>Nev\u00fdhody:<\/strong> Poji\u0161t\u011bn\u00ed nezabr\u00e1n\u00ed samotn\u00e9 hav\u00e1rii, po\u017e\u00e1ru ani administrativn\u00edmu stresu spojen\u00e9mu s \u0159e\u0161en\u00edm \u0161kody. Pokud nav\u00edc zapomenete dolo\u017eit revizi hromosvodu nebo potvrzen\u00ed od servisu, poji\u0161\u0165ovna m\u016f\u017ee pln\u011bn\u00ed kr\u00e1tit.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-se-spr-vn-m-poji-t-n-m-v-m-pom-eme\" class=\"wp-block-heading\">Jak zkontrolovat smlouvu, ne\u017e p\u0159ijde bou\u0159ka?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u010dekejte, a\u017e se zat\u00e1hne obloha. Otev\u00edrejte sv\u00e9 pojistn\u00e9 smlouvy preventivn\u011b a zkontrolujte n\u00e1sleduj\u00edc\u00ed parametry:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-poji-t-n-nemovitosti-vs-poji-t-n-dom-cnosti-p-ep-t-v-s-ti-se-asto-dot-k-obou-slo-ek-zat-mco-vestavn-spot-ebi-e-tepeln-erpadlo-a-fve-spadaj-pod-poji-t-n-nemovitosti-stavby-voln-stoj-c-elektronika-po-ta-e-i-pra-ka-jsou-sou-st-poji-t-n-dom-cnosti-pot-ebujete-m-t-spr-vn-nastaven-ob-ramena\"><strong>Poji\u0161t\u011bn\u00ed nemovitosti vs. poji\u0161t\u011bn\u00ed dom\u00e1cnosti:<\/strong> P\u0159ep\u011bt\u00ed v s\u00edti se \u010dasto dot\u00fdk\u00e1 obou slo\u017eek. Zat\u00edmco vestavn\u00e9 spot\u0159ebi\u010de, tepeln\u00e9 \u010derpadlo a FVE spadaj\u00ed pod poji\u0161t\u011bn\u00ed nemovitosti (stavby), voln\u011b stoj\u00edc\u00ed elektronika, po\u010d\u00edta\u010de \u010di pra\u010dka jsou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Pot\u0159ebujete m\u00edt spr\u00e1vn\u011b nastaven\u00e1 ob\u011b ramena.<br><\/li>\n\n\n\n<li id=\"htoc-poji-t-n-nemovitosti-vs-poji-t-n-dom-cnosti-p-ep-t-v-s-ti-se-asto-dot-k-obou-slo-ek-zat-mco-vestavn-spot-ebi-e-tepeln-erpadlo-a-fve-spadaj-pod-poji-t-n-nemovitosti-stavby-voln-stoj-c-elektronika-po-ta-e-i-pra-ka-jsou-sou-st-poji-t-n-dom-cnosti-pot-ebujete-m-t-spr-vn-nastaven-ob-ramena1\"><strong>Aktu\u00e1lnost cen (<a href=\"https:\/\/www.fingo.cz\/blog\/vite-jiste-ze-vam-pojisteni-domu-pokryje-pripadnou-skodu\/#htoc-aktualizace-smlouvy-je-z-klad\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/blog\/vite-jiste-ze-vam-pojisteni-domu-pokryje-pripadnou-skodu\/#htoc-aktualizace-smlouvy-je-z-klad\">Podpoji\u0161t\u011bn\u00ed<\/a>):<\/strong> Pokud <strong>m\u00e1te smlouvu star\u0161\u00ed ne\u017e dva roky<\/strong> a mezit\u00edm jste si po\u0159\u00eddili novou elektroniku <strong>nebo zrekonstruovali d\u016fm<\/strong>,<strong> pravd\u011bpodobn\u011b jste podpoji\u0161t\u011bn\u00ed.<\/strong> Nezapom\u00ednejte, \u017ee bou\u0159ky \u010dasto doprov\u00e1zej\u00ed prudk\u00e9 vich\u0159ice, kter\u00e9 dok\u00e1\u017eou trhat st\u0159echy, bourat ploty, po\u0161kodit fas\u00e1dy a nap\u00e1chat na majetku mnohamilionov\u00e9 \u0161kody. <br>Bez pravideln\u00e9 revize smlouvy v\u00e1m poji\u0161\u0165ovna v p\u0159\u00edpad\u011b takov\u00e9 pohromy vyplat\u00ed \u010d\u00e1stku, za kterou dnes novou st\u0159echu ani sol\u00e1rn\u00ed panely zdaleka nepo\u0159\u00edd\u00edte.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">P\u0159e\u010dt\u011bte si n\u00e1\u0161 dal\u0161\u00ed \u010dl\u00e1nek na t\u00e9ma: <strong><a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-nemovitosti-a-domacnosti-jak-se-v-tom-vyznat\/\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/blog\/pojisteni-nemovitosti-a-domacnosti-jak-se-v-tom-vyznat\/\">Poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti: jak se v tom vyznat?<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Praktick\u00fd tip na z\u00e1v\u011br:<\/strong> Pokud dojde k po\u0161kozen\u00ed spot\u0159ebi\u010de p\u0159ep\u011bt\u00edm, poji\u0161\u0165ovny standardn\u011b vy\u017eaduj\u00ed odborn\u00fd posudek od autorizovan\u00e9ho servisu \u010di elektrik\u00e1\u0159e, kter\u00fd jasn\u011b specifikuje p\u0159\u00ed\u010dinu z\u00e1vady (p\u016fsoben\u00ed p\u0159ep\u011bt\u00ed\/blesku). Po\u0161kozen\u00e9 za\u0159\u00edzen\u00ed proto nikdy nevyhazujte d\u0159\u00edve, ne\u017e \u0161kodu kompletn\u011b zdokumentujete a nahl\u00e1s\u00edte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nenech\u00e1vejte ochranu sv\u00e9ho domova na n\u00e1hod\u011b. S optim\u00e1ln\u00edm nastaven\u00edm limit\u016f a v\u00fdb\u011brem pojistn\u00fdch rizik p\u0159\u00edmo pro va\u0161e modern\u00ed technologie v\u00e1m r\u00e1di pomohou <a href=\"https:\/\/www.fingo.cz\/kontakty\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/kontakty\">na\u0161i specialist\u00e9 ve FinGO.<\/a> Sta\u010d\u00ed se n\u00e1m ozvat, r\u00e1di <strong>va\u0161e st\u00e1vaj\u00edc\u00ed smlouvy zdarma zrevidujeme.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Intenzivn\u00ed bou\u0159ky doprov\u00e1zen\u00e9 siln\u00fdmi v\u00fdboji jsou v na\u0161ich zem\u011bpisn\u00fdch \u0161\u00ed\u0159k\u00e1ch st\u00e1le \u010dast\u011bj\u0161\u00ed a ni\u010div\u011bj\u0161\u00ed. S postupuj\u00edc\u00ed zm\u011bnou klimatu roste nejen po\u010det bou\u0159kov\u00fdch dn\u00ed, ale tak\u00e9 v\u00fd\u0161e \u0161kod, kter\u00e9 za sebou zanech\u00e1vaj\u00ed. Zat\u00edmco je\u0161t\u011b p\u0159ed n\u011bkolika lety znamenal z\u00e1sah blesku nebo v\u00fdkyv nap\u011bt\u00ed v s\u00edti prim\u00e1rn\u011b riziko sho\u0159el\u00e9 televize, dnes je situace zcela jin\u00e1. \u010cesk\u00e9 st\u0159echy masivn\u011b pokryly fotovoltaick\u00e9 elektr\u00e1rny (FVE), v technick\u00fdch m\u00edstnostech bzu\u010d\u00ed drah\u00e1 tepeln\u00e1 \u010derpadla a v gar\u00e1\u017e\u00edch nab\u00edj\u00edme elektromobily p\u0159es wallboxy. Jak p\u0159ed p\u0159\u00edrodn\u00edmi \u017eivly ochr\u00e1nit investice za stovky tis\u00edc korun a jak\u00e9 poji\u0161t\u011bn\u00ed v\u00e1s skute\u010dn\u011b podr\u017e\u00ed, kdy\u017e oblohu protne elektrick\u00fd v\u00fdboj? P\u0159\u00edm\u00fd \u00fader blesku vs. p\u0159ep\u011bt\u00ed v s\u00edti: Zn\u00e1te rozd\u00edl? Mnoho lid\u00ed \u017eije v omylu, \u017ee pokud maj\u00ed v pojistn\u00e9 smlouv\u011b za\u0161krtnut\u00e9 pol\u00ed\u010dko \u201e\u017eiveln\u00ed katastrofy \u2013 \u00fader blesku\u201c, jsou kompletn\u011b chr\u00e1n\u011bni. Poji\u0161\u0165ovny v\u0161ak striktn\u011b rozli\u0161uj\u00ed mezi dv\u011bma odli\u0161n\u00fdmi jevy. Pro zjednodu\u0161en\u00ed si je m\u016f\u017eeme p\u0159edstavit n\u00e1sledovn\u011b: \ud83d\udcca Statistiky \u010cesk\u00e9 asociace poji\u0161\u0165oven hovo\u0159\u00ed jasn\u011b: p\u0159\u00edm\u00fd z\u00e1sah blesku do domu je relativn\u011b vz\u00e1cn\u00fd (poji\u0161\u0165ovny \u0159e\u0161\u00ed kolem 5 500 p\u0159\u00edpad\u016f ro\u010dn\u011b). Skute\u010dn\u00fdm masov\u00fdm stra\u0161\u00e1kem je ale pr\u00e1v\u011b p\u0159ep\u011bt\u00ed v s\u00edti, kter\u00e9 ka\u017edoro\u010dn\u011b vygeneruje p\u0159es 23 000 pojistn\u00fdch ud\u00e1lost\u00ed s celkovou \u0161kodou bl\u00ed\u017e\u00edc\u00ed se p\u016fl miliard\u011b korun. \u26a0\ufe0f Pokud blesk uhod\u00ed mimo v\u00e1\u0161 objekt a vy nem\u00e1te p\u0159ipoji\u0161t\u011bn\u00e9 nep\u0159\u00edm\u00e9 p\u0159ep\u011bt\u00ed, [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":1726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[199,52,18,97],"class_list":["post-1717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezivotni-pojisteni","tag-bourky","tag-nezivotni-pojisteni","tag-pojisteni","tag-zivelni-udalosti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak p\u0159ed p\u0159\u00edrodn\u00edmi \u017eivly ochr\u00e1nit sv\u016fj majetek? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Jak p\u0159ed p\u0159\u00edrodn\u00edmi \u017eivly ochr\u00e1nit investice za stovky tis\u00edc korun a jak\u00e9 poji\u0161t\u011bn\u00ed v\u00e1s skute\u010dn\u011b podr\u017e\u00ed, kdy\u017e oblohu protne elektrick\u00fd v\u00fdboj?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poji\u0161t\u011bn\u00ed majetku p\u0159i bou\u0159ce: Jak chr\u00e1nit sol\u00e1ry, \u010derpadla a elektroniku?\" \/>\n<meta property=\"og:description\" content=\"Jak p\u0159ed p\u0159\u00edrodn\u00edmi \u017eivly ochr\u00e1nit investice za stovky tis\u00edc korun a jak\u00e9 poji\u0161t\u011bn\u00ed v\u00e1s skute\u010dn\u011b podr\u017e\u00ed, kdy\u017e oblohu protne elektrick\u00fd v\u00fdboj?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-02T08:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-14T13:17:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/08\/uder-blesku-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\\\/\"},\"author\":{\"name\":\"Karol\u00edna Nov\u00e1kov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/f50a8641c3a328040ea1b2d88859791f\"},\"headline\":\"Poji\u0161t\u011bn\u00ed majetku p\u0159i bou\u0159ce: Jak chr\u00e1nit sol\u00e1ry, \u010derpadla a elektroniku?\",\"datePublished\":\"2025-05-02T08:00:32+00:00\",\"dateModified\":\"2026-07-14T13:17:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\\\/\"},\"wordCount\":1232,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/uder-blesku-scaled.jpg\",\"keywords\":[\"bou\u0159ky\",\"ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\",\"poji\u0161t\u011bn\u00ed\",\"\u017eiveln\u00ed ud\u00e1losti\"],\"articleSection\":[\"Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\\\/\",\"name\":\"Jak p\u0159ed p\u0159\u00edrodn\u00edmi \u017eivly ochr\u00e1nit sv\u016fj majetek? 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