{"id":1847,"date":"2023-11-30T14:17:47","date_gmt":"2023-11-30T13:17:47","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1847"},"modified":"2023-11-30T14:17:47","modified_gmt":"2023-11-30T13:17:47","slug":"fotovoltaika-a-pojisteni-na-co-urcite-nezapomenout","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/fotovoltaika-a-pojisteni-na-co-urcite-nezapomenout\/","title":{"rendered":"Fotovoltaika a poji\u0161t\u011bn\u00ed: Na co ur\u010dit\u011b nezapomenout"},"content":{"rendered":"\n<p>Mo\u017en\u00e1 i v\u00e1s zl\u00e1kal trend po\u0159\u00eddit si dom\u00e1c\u00ed fotovoltaiku na st\u0159echu. A\u0165 u\u017e m\u00e1te svou sol\u00e1rn\u00ed elektr\u00e1rnu nainstalovanou, nebo o n\u00ed teprve p\u0159em\u00fd\u0161l\u00edte, m\u00e1me pro v\u00e1s n\u011bkolik tip\u016f a rad ohledn\u011b poji\u0161t\u011bn\u00ed. Lid\u00e9 ho toti\u017e \u010dasto podcen\u00ed, proto se na n\u011bj vyplat\u00ed myslet v\u010das. Poj\u010fme se na to ale pod\u00edvat hezky od za\u010d\u00e1tku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vyber-a-montaz-fotovoltaiky\"><strong>V\u00fdb\u011br a mont\u00e1\u017e fotovoltaiky<\/strong><\/h2>\n\n\n\n<p>Ne\u017e se rozhodnete, od koho si fotovoltaiku po\u0159\u00edd\u00edte a nech\u00e1te nainstalovat, promyslete si n\u011bkolik v\u011bc\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Abyste m\u011bli jistotu, \u017ee v\u0161e prob\u011bhne v po\u0159\u00e1dku, vyb\u00edrejte ze spole\u010dnost\u00ed, kter\u00e9 pat\u0159\u00ed do <strong>Sol\u00e1rn\u00ed Asociace<\/strong> nebo <strong>\u010cesk\u00e9 fotovoltaick\u00e9 asociace<\/strong>. Tato sdru\u017een\u00ed ru\u010d\u00ed za kvalitn\u00ed pr\u00e1ci sv\u00fdch \u010dlen\u016f.<\/li>\n\n\n\n<li>Sledujte i to, s jak\u00fdmi dodavateli va\u0161e vybran\u00e1 spole\u010dnost spolupracuje. M\u011bli by to v\u017edy b\u00fdt <strong>ov\u011b\u0159en\u00ed odborn\u00edci<\/strong>.<\/li>\n\n\n\n<li>Dejte ruce pry\u010d <strong>od podez\u0159ele n\u00edzk\u00fdch cen<\/strong>. Mohlo by se st\u00e1t, \u017ee se cestou objev\u00ed ne\u010dekan\u00e9 n\u00e1klady a celkov\u00e1 \u010d\u00e1stka se vy\u0161plh\u00e1 mnohem v\u00fd\u0161. Nav\u00edc riskujete \u0161patnou kvalitu.<\/li>\n\n\n\n<li>Nechte na sv\u00e9 sol\u00e1rn\u00ed elektr\u00e1rn\u011b pracovat jen <strong>kvalifikovan\u00e9 elektrik\u00e1\u0159e<\/strong>. Nikdy se do instalace fotovoltaiky nepou\u0161t\u011bjte sv\u00e9pomoc\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-bf0eb9c3552260161fd2d7e4032d40bb\"><strong>Tip:<\/strong> Pokud chcete kvalitn\u00ed fotovoltaiku, na kterou nebudete dlouho \u010dekat, m\u016f\u017eeme v\u00e1m doporu\u010dit na\u0161eho partnera \u2013 <strong>spole\u010dnost FINKIS<\/strong>. Sol\u00e1rn\u00ed elektr\u00e1rnu v\u00e1m na st\u0159echu nainstaluj\u00ed do 2 m\u011bs\u00edc\u016f od uzav\u0159en\u00ed smlouvy s distributorem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cena fotovoltaiky<\/strong><\/h2>\n\n\n\n<p>Je jasn\u00e9, \u017ee fotovoltaika nen\u00ed \u00fapln\u011b levn\u00e1 z\u00e1le\u017eitost a m\u016f\u017ee p\u0159edstavovat velk\u00fd z\u00e1sah do <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-rodinny-rozpocet-v-kazde-zivotni-situaci\/\">rodinn\u00e9ho rozpo\u010dtu<\/a>. Proto si dob\u0159e <strong>spo\u010d\u00edtejte jej\u00ed n\u00e1vratnost<\/strong> \u2013 to znamen\u00e1, v jak\u00e9m \u010dasov\u00e9m horizontu se v\u00e1m vr\u00e1t\u00ed investovan\u00e9 pen\u00edze.<\/p>\n\n\n\n<p>Sol\u00e1rn\u00ed elektr\u00e1rna na st\u0159echu rodinn\u00e9ho domu m\u016f\u017ee st\u00e1t zhruba <strong>od 200 tis\u00edc K\u010d do 600 tis\u00edc K\u010d<\/strong>. V\u017edy z\u00e1le\u017e\u00ed na orientaci a velikosti st\u0159echy, okol\u00ed domu nebo vybran\u00e9m dodavateli.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-3fe7741c30c4976aa43a1a68203556b9\"><strong>Tip:<\/strong> Velkou \u010d\u00e1st n\u00e1klad\u016f m\u016f\u017eete u\u0161et\u0159it d\u00edky dotaci <strong>Nov\u00e1 zelen\u00e1 \u00faspor\u00e1m<\/strong>. Kvalitn\u00ed dodavatel by v\u00e1m m\u011bl s \u017e\u00e1dost\u00ed pomoci. Po\u010d\u00edtejte ale s t\u00edm, \u017ee dop\u0159edu mus\u00edte zaplatit celou \u010d\u00e1stku a schv\u00e1lenou dotaci dostanete a\u017e zp\u011btn\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poji\u0161t\u011bn\u00ed fotovoltaiky<\/strong><\/h2>\n\n\n\n<p>S instalac\u00ed fotovoltaiky souvis\u00ed hned n\u011bkolik druh\u016f poji\u0161t\u011bn\u00ed. Pokud chcete b\u00fdt kryt\u00ed pro v\u0161echny p\u0159\u00edpady, m\u011bli byste je proto d\u016fkladn\u011b zv\u00e1\u017eit. Jak\u00e1 poji\u0161t\u011bn\u00ed to jsou?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><em>Poji\u0161t\u011bn\u00ed nemovitosti<\/em><\/strong><\/h3>\n\n\n\n<p>Myslete na to, \u017ee fotovoltaika pom\u011brn\u011b v\u00fdrazn\u011b zvy\u0161uje tr\u017en\u00ed cenu va\u0161eho domu. Nezapom\u00ednejte ji proto zapo\u010d\u00edtat do <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-nemovitosti-a-domacnosti-jak-se-v-tom-vyznat\/\">poji\u0161t\u011bn\u00ed nemovitosti<\/a>. Pro spr\u00e1vn\u011b nastaven\u00e9 poji\u0161t\u011bn\u00ed jsou d\u016fle\u017eit\u00e9 tyto faktory:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zp\u016fsob instalace fotovoltaiky<\/strong><\/li>\n\n\n\n<li><strong>M\u00edsto instalace fotovoltaiky<\/strong> \u2013 roli hraje, jestli m\u00e1te panely na hlavn\u00ed budov\u011b, vedlej\u0161\u00edch budov\u00e1ch, nebo jsou dokonce rozlo\u017een\u00e9 mezi n\u011bkolik st\u0159ech.<\/li>\n\n\n\n<li><strong>Um\u00edst\u011bn\u00ed vnit\u0159n\u00edch \u010d\u00e1st\u00ed<\/strong> \u2013 st\u0159\u00edda\u010de a baterie. I tady jde o to, jestli jsou v hlavn\u00ed budov\u011b, nebo jinde.<\/li>\n\n\n\n<li><strong>Rizika, kter\u00e1 poji\u0161t\u011bn\u00ed pokr\u00fdv\u00e1<\/strong> \u2013 ur\u010dit\u011b se neobejdete bez poji\u0161t\u011bn\u00ed rizika po\u017e\u00e1ru, v\u00fdbuchu, vich\u0159ice, krupobit\u00ed a <a href=\"https:\/\/www.fingo.cz\/blog\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\/\"><strong>p\u0159\u00edm\u00e9ho \u00faderu blesku<\/strong><\/a>. K tomu se vyplat\u00ed p\u0159ipojistit je\u0161t\u011b p\u0159ep\u011bt\u00ed a podp\u011bt\u00ed v elektrick\u00e9 s\u00edti.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9832d26ba40edfe1679f843e31744ff4\">Pokud u\u017e poji\u0161t\u011bn\u00ed nemovitosti m\u00e1te z minulosti, nezapome\u0148te <strong>smlouvu po instalaci fotovoltaiky aktualizovat<\/strong>. Sol\u00e1rn\u00ed elektr\u00e1rna v\u00e1m toti\u017e m\u016f\u017ee zv\u00fd\u0161it hodnotu domu a\u017e o n\u011bkolik milion\u016f K\u010d. Kdybyste pojistnou \u010d\u00e1stku nenav\u00fd\u0161ili, hrozilo by v\u00e1m takzvan\u00e9 podpoji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><em>Poji\u0161t\u011bn\u00ed technick\u00e9 poruchy<\/em><\/strong><\/h3>\n\n\n\n<p>Dal\u0161\u00edm typem poji\u0161t\u011bn\u00ed, na kter\u00fd se nevyplat\u00ed zapomenout, je poji\u0161t\u011bn\u00ed technick\u00e9 poruchy elektrick\u00fdch a strojn\u00edch za\u0159\u00edzen\u00ed. To v\u00e1m pokryje <strong>\u0161kody na samotn\u00e9 fotovoltaice<\/strong>.<\/p>\n\n\n\n<p>Toto poji\u0161t\u011bn\u00ed ale na trhu nen\u00ed \u00fapln\u011b automatick\u00e9. Dejte si proto pozor, jestli ho va\u0161e poji\u0161\u0165ovna \u0159ad\u00ed do z\u00e1kladn\u00ed varianty, nebo si ho budete muset doplnit ve form\u011b p\u0159ipoji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/Pojisteni-technicke-poruchy.png\" alt=\"P\u0159ehled poji\u0161t\u011bn\u00ed technick\u00e9 poruchy u r\u016fzn\u00fdch poji\u0161\u0165oven\" class=\"wp-image-1853\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/Pojisteni-technicke-poruchy.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/Pojisteni-technicke-poruchy-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/Pojisteni-technicke-poruchy-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><em>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z vlastnictv\u00ed nemovitosti<\/em><\/strong><\/h3>\n\n\n\n<p>I kdy\u017e si to nikdo nep\u0159eje, m\u016f\u017ee se st\u00e1t, \u017ee u v\u00e1s kv\u016fli fotovoltaice vznikne po\u017e\u00e1r. Myslete proto i na toto riziko. Nav\u00edc se po\u017e\u00e1r m\u016f\u017ee <strong>roz\u0161\u00ed\u0159it i mimo v\u00e1\u0161 d\u016fm a pozemek<\/strong> \u2013 na sousedn\u00ed stavbu, p\u0159\u00edpadn\u011b t\u0159eba les. Tato rizika v\u00e1m pokryje pr\u00e1v\u011b poji\u0161t\u011bn\u00ed odpov\u011bdnosti z vlastnictv\u00ed nemovitosti.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-11e6a672899b777d0a97b18ebbb31f00\"><strong>Tip: <\/strong>S poji\u0161t\u011bn\u00edm fotovoltaiky v\u00e1m r\u00e1di pom\u016f\u017eou <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\">odborn\u00edci FinGO<\/a>. Sta\u010d\u00ed, kdy\u017e se n\u00e1m ozvete, a r\u00e1di v\u00e1s provedeme cel\u00fdm procesem.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mo\u017en\u00e1 i v\u00e1s zl\u00e1kal trend po\u0159\u00eddit si dom\u00e1c\u00ed fotovoltaiku na st\u0159echu. A\u0165 u\u017e m\u00e1te svou sol\u00e1rn\u00ed elektr\u00e1rnu nainstalovanou, nebo o n\u00ed teprve p\u0159em\u00fd\u0161l\u00edte, m\u00e1me pro v\u00e1s n\u011bkolik tip\u016f a rad ohledn\u011b poji\u0161t\u011bn\u00ed. Lid\u00e9 ho toti\u017e \u010dasto podcen\u00ed, proto se na n\u011bj vyplat\u00ed myslet v\u010das. Poj\u010fme se na to ale pod\u00edvat hezky od za\u010d\u00e1tku. V\u00fdb\u011br a mont\u00e1\u017e fotovoltaiky Ne\u017e se rozhodnete, od koho si fotovoltaiku po\u0159\u00edd\u00edte a nech\u00e1te nainstalovat, promyslete si n\u011bkolik v\u011bc\u00ed: Tip: Pokud chcete kvalitn\u00ed fotovoltaiku, na kterou nebudete dlouho \u010dekat, m\u016f\u017eeme v\u00e1m doporu\u010dit na\u0161eho partnera \u2013 spole\u010dnost FINKIS. Sol\u00e1rn\u00ed elektr\u00e1rnu v\u00e1m na st\u0159echu nainstaluj\u00ed do 2 m\u011bs\u00edc\u016f od uzav\u0159en\u00ed smlouvy s distributorem. Cena fotovoltaiky Je jasn\u00e9, \u017ee fotovoltaika nen\u00ed \u00fapln\u011b levn\u00e1 z\u00e1le\u017eitost a m\u016f\u017ee p\u0159edstavovat velk\u00fd z\u00e1sah do rodinn\u00e9ho rozpo\u010dtu. Proto si dob\u0159e spo\u010d\u00edtejte jej\u00ed n\u00e1vratnost \u2013 to znamen\u00e1, v jak\u00e9m \u010dasov\u00e9m horizontu se v\u00e1m vr\u00e1t\u00ed investovan\u00e9 pen\u00edze. Sol\u00e1rn\u00ed elektr\u00e1rna na st\u0159echu rodinn\u00e9ho domu m\u016f\u017ee st\u00e1t zhruba od 200 tis\u00edc K\u010d do 600 tis\u00edc K\u010d. V\u017edy z\u00e1le\u017e\u00ed na orientaci a velikosti st\u0159echy, okol\u00ed domu nebo vybran\u00e9m dodavateli. Tip: Velkou \u010d\u00e1st n\u00e1klad\u016f m\u016f\u017eete u\u0161et\u0159it d\u00edky dotaci Nov\u00e1 zelen\u00e1 \u00faspor\u00e1m. Kvalitn\u00ed dodavatel by v\u00e1m m\u011bl s \u017e\u00e1dost\u00ed pomoci. Po\u010d\u00edtejte ale s t\u00edm, \u017ee dop\u0159edu mus\u00edte zaplatit celou \u010d\u00e1stku a schv\u00e1lenou [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":1848,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[62,52,58,53,107],"class_list":["post-1847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezivotni-pojisteni","tag-fotovoltaika","tag-nezivotni-pojisteni","tag-pojisteni-majetku","tag-pojisteni-nemovitosti","tag-solarni-elektrarna"],"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>Fotovoltaika a poji\u0161t\u011bn\u00ed: Na co ur\u010dit\u011b nezapomenout - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Fotovoltaika na st\u0159e\u0161e rodinn\u00e9ho domu je \u010d\u00edm d\u00e1l \u010dast\u011bj\u0161\u00ed obr\u00e1zek. Ne\u017e si ji po\u0159\u00edd\u00edte, zjist\u011bte, jak ji hned od za\u010d\u00e1tku spr\u00e1vn\u011b pojistit.\" \/>\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\/fotovoltaika-a-pojisteni-na-co-urcite-nezapomenout\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fotovoltaika a poji\u0161t\u011bn\u00ed: Na co ur\u010dit\u011b nezapomenout\" \/>\n<meta property=\"og:description\" content=\"Fotovoltaika na st\u0159e\u0161e rodinn\u00e9ho domu je \u010d\u00edm d\u00e1l \u010dast\u011bj\u0161\u00ed obr\u00e1zek. 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