{"id":2168,"date":"2025-05-02T09:29:38","date_gmt":"2025-05-02T08:29:38","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2168"},"modified":"2025-05-02T11:05:30","modified_gmt":"2025-05-02T10:05:30","slug":"povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\/","title":{"rendered":"Povodn\u011b a z\u00e1plavy: jak chr\u00e1nit majetek a postupovat, kdy\u017e voda p\u0159ijde"},"content":{"rendered":"\n<p><strong>Povodn\u011b, siln\u00e9 bou\u0159ky, p\u0159\u00edvalov\u00e9 de\u0161t\u011b a z\u00e1plavy jsou v \u010cesku \u010d\u00edm d\u00e1l \u010dast\u011bj\u0161\u00ed a intenzivn\u011bj\u0161\u00ed. Ka\u017ed\u00fd rok zp\u016fsobuj\u00ed \u0161kody za statis\u00edce i miliony korun. A\u0165 u\u017e bydl\u00edte v z\u00e1plavov\u00e9 oblasti, nebo ne, je d\u016fle\u017eit\u00e9 b\u00fdt na takovou situaci p\u0159ipraven\u00fd. V \u010dl\u00e1nku v\u00e1m vysv\u011btl\u00edm, jak se na povode\u0148 nachystat, co d\u011blat p\u0159i zaplaven\u00ed a jak v\u00e1m v takov\u00fdch chv\u00edl\u00edch m\u016f\u017ee pomoci dob\u0159e nastaven\u00e9 <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\">poji\u0161t\u011bn\u00ed.<\/a><\/strong><\/p>\n\n\n\n<p><\/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-10-rad-jak-postupovat-p-i-povodni-i-jin-iveln-ud-losti\">Jak se p\u0159ipravit na povodn\u011b \u2013 i kdy\u017e zat\u00edm nehroz\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-co-d-lat-kdy-povode-ude\">Co d\u011blat, kdy\u017e povodn\u011b ude\u0159\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-postupovat-po-opadnut-vody\">Jak postupovat po opadnut\u00ed vody<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-nahl-sit-kodu-poji-ovn\">Jak nahl\u00e1sit \u0161kodu poji\u0161\u0165ovn\u011b<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-prob-h-likvidace-kody\">Jak prob\u00edh\u00e1 likvidace \u0161kody po povodni<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-poji-t-n-v-s-ochr-n-p-i-povodni-a-z-plav\">Jak\u00e9 poji\u0161t\u011bn\u00ed v\u00e1s ochr\u00e1n\u00ed p\u0159i povodni a z\u00e1plav\u011b<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-slu-by-v-m-poji-ovna-m-e-nab-dnout\">Jak\u00e9 slu\u017eby v\u00e1m poji\u0161\u0165ovna m\u016f\u017ee nab\u00eddnout<\/a><\/li><li class=\"\"><a href=\"#htoc-10-rad-jak-postupovat-p-i-povodni-nebo-jin-iveln-ud-losti\">Povodn\u011b nebo jin\u00e9 \u017eiveln\u00ed ud\u00e1losti: 10 rad, jak postupovat<\/a><\/li><li class=\"\"><a href=\"#htoc-z-v-r\">Povode\u0148 je ud\u00e1lost, kterou nem\u016f\u017eeme ovlivnit<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-10-rad-jak-postupovat-p-i-povodni-i-jin-iveln-ud-losti\"><strong>Jak se p\u0159ipravit na povodn\u011b \u2013 i kdy\u017e zat\u00edm nehroz\u00ed<\/strong><\/h2>\n\n\n\n<p>Prevence je z\u00e1kladem klidu. Doporu\u010duji si nejd\u0159\u00edve zjistit, zda va\u0161e nemovitost le\u017e\u00ed v <strong>povod\u0148ov\u00e9 z\u00f3n\u011b<\/strong>, a podle toho p\u0159izp\u016fsobit svou p\u0159\u00edpravu. Sledujte tak\u00e9 pravideln\u011b aktualizovan\u00e9 mapy rizikov\u00fdch oblast\u00ed. Kl\u00ed\u010dov\u00e9 je m\u00edt <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\"><strong>sjednan\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/a>, kter\u00e9 kryje nejen povode\u0148, ale i z\u00e1plavu \u2013 ob\u011b tato rizika poji\u0161\u0165ovny rozli\u0161uj\u00ed a nen\u00ed samoz\u0159ejm\u00e9, \u017ee je m\u00e1te automaticky zahrnut\u00e1.<\/p>\n\n\n\n<p>D\u016fle\u017eit\u00e9 dokumenty, pojistn\u00e9 smlouvy a cennosti doporu\u010duji ulo\u017eit do vy\u0161\u0161\u00edch pater nebo vodot\u011bsn\u00fdch schr\u00e1nek. Pokud m\u00e1te mo\u017enost, zva\u017ete po\u0159\u00edzen\u00ed protipovod\u0148ov\u00fdch z\u00e1bran nebo pytl\u016f s p\u00edskem. U\u017e v klidn\u00fdch \u010dasech si p\u0159ipravte pl\u00e1n evakuace a seznam nejd\u016fle\u017eit\u011bj\u0161\u00edch v\u011bc\u00ed, kter\u00e9 je pot\u0159eba rychle p\u0159em\u00edstit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-d-lat-kdy-povode-ude\"><strong>Co d\u011blat, kdy\u017e povodn\u011b ude\u0159\u00ed<\/strong><\/h2>\n\n\n\n<p>Jakmile p\u0159ijde varov\u00e1n\u00ed nebo za\u010dne voda stoupat, jednejte rychle a prioritou je bezpe\u010dnost va\u0161\u00ed rodiny. Sledujte pokyny \u00fa\u0159ad\u016f a nevystavujte se zbyte\u010dn\u00e9mu riziku.<\/p>\n\n\n\n<p>Pokud je to mo\u017en\u00e9, p\u0159esu\u0148te n\u00e1bytek, elektroniku a dal\u0161\u00ed cennosti do vy\u0161\u0161\u00edch pater. Odpojte elektrick\u00e9 spot\u0159ebi\u010de a uzav\u0159ete p\u0159\u00edvod plynu i vody. Majetek, kter\u00fd nestihnete odn\u00e9st, se pokuste chr\u00e1nit pytli s p\u00edskem nebo jin\u00fdmi z\u00e1branami. Pr\u016fb\u011b\u017en\u011b si fo\u0165te stav nemovitosti a vybaven\u00ed \u2013 fotografie budou pozd\u011bji d\u016fle\u017eit\u00e9 pro poji\u0161\u0165ovnu.<\/p>\n\n\n\n<p>Pamatujte, \u017ee nikdy nen\u00ed d\u016fle\u017eit\u011bj\u0161\u00ed majetek ne\u017e lidsk\u00e9 zdrav\u00ed. Pokud v\u00e1s \u00fa\u0159ady vyzvou k evakuaci, opus\u0165te v\u010das ohro\u017eenou oblast.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-postupovat-po-opadnut-vody\"><strong>Jak postupovat po opadnut\u00ed vody<\/strong><\/h2>\n\n\n\n<p>A\u017e voda ustoup\u00ed, za\u010dn\u011bte s \u00faklidem co nejd\u0159\u00edve, ale bezpe\u010dn\u011b. Doporu\u010duji pou\u017e\u00edvat ochrann\u00e9 pom\u016fcky, jako jsou rukavice, gum\u00e1ky a respir\u00e1tor, proto\u017ee voda \u010dasto zanech\u00e1 nejen bahno, ale i nebezpe\u010dn\u00e9 l\u00e1tky.<\/p>\n\n\n\n<p>Od\u010derpejte vodu, odstra\u0148te trosky a bahno z nemovitosti i jej\u00edho okol\u00ed. Ka\u017edou \u0161kodu pe\u010dliv\u011b nafo\u0165te z v\u00edce \u00fahl\u016f. Pokud je to mo\u017en\u00e9, po\u0161kozen\u00e9 v\u011bci uchovejte pro pozd\u011bj\u0161\u00ed prohl\u00eddku likvid\u00e1torem. V\u0161echny tyto kroky usnadn\u00ed a urychl\u00ed proces likvidace \u0161kody.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-nahl-sit-kodu-poji-ovn\"><strong>Jak nahl\u00e1sit \u0161kodu poji\u0161\u0165ovn\u011b<\/strong><\/h2>\n\n\n\n<p>Nejrychlej\u0161\u00ed zp\u016fsob, jak \u0161kodu nahl\u00e1sit, je vyu\u017e\u00edt <strong>online formul\u00e1\u0159 na webu va\u0161\u00ed poji\u0161\u0165ovny.<\/strong> P\u0159ipravte si \u010d<strong>\u00edslo pojistn\u00e9 smlouv<\/strong>y (pokud ho nezn\u00e1te, posta\u010d\u00ed osobn\u00ed \u00fadaje), <strong>kontaktn\u00ed informace, \u010d\u00edslo \u00fa\u010dtu a fotodokumentaci \u0161kod<\/strong>. K hl\u00e1\u0161en\u00ed p\u0159ipojte tak\u00e9 <strong>seznam zasa\u017een\u00fdch v\u011bc\u00ed s odhadem jejich st\u00e1\u0159\u00ed, ceny a rozsahu po\u0161kozen\u00ed. <\/strong>Pokud jste podnikatel nebo firma, budete pot\u0159ebovat i <strong>\u00fa\u010detn\u00ed evidenci majetku.<\/strong><\/p>\n\n\n\n<p>Pokud je to nutn\u00e9, doporu\u010duji po\u017e\u00e1dat poji\u0161\u0165ovnu o <strong>z\u00e1lohu na pojistn\u00e9 pln\u011bn\u00ed.<\/strong> Nezapome\u0148te pe\u010dliv\u011b dodr\u017eovat pokyny likvid\u00e1tora \u2013 usnadn\u00edte t\u00edm cel\u00fd proces.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><strong>\u26a1\ufe0f P\u0159e\u010dt\u011bte si tak\u00e9 n\u00e1\u0161 \u010dl\u00e1nek o <\/strong><a href=\"https:\/\/www.fingo.cz\/blog\/nebezpeci-bourek-pojisteni-uderu-blesku-nebo-prepeti-v-siti\/\"><strong>poji\u0161t\u011bn\u00ed \u00faderu blesku, nebo p\u0159ep\u011bt\u00ed v s\u00edti<\/strong>.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-prob-h-likvidace-kody\"><strong>Jak prob\u00edh\u00e1 likvidace \u0161kody<\/strong> po povodni<\/h2>\n\n\n\n<p>Po nahl\u00e1\u0161en\u00ed \u0161kody v\u00e1s kontaktuje likvid\u00e1tor nebo technik poji\u0161\u0165ovny. Dohodnete si term\u00edn prohl\u00eddky na m\u00edst\u011b, p\u0159\u00edpadn\u011b budete vyzv\u00e1ni k dod\u00e1n\u00ed dal\u0161\u00edch dokument\u016f. \u010casto se kombinuje osobn\u00ed n\u00e1v\u0161t\u011bva s dod\u00e1n\u00edm podklad\u016f elektronicky. <strong>V\u010dasn\u00e1 komunikace s poji\u0161\u0165ovnou a p\u0159ipraven\u00e9 doklady jsou kl\u00ed\u010dem k rychl\u00e9mu vy\u0159\u00edzen\u00ed \u0161kody.<\/strong><\/p>\n\n\n\n<p>B\u011bhem prohl\u00eddky m\u011bjte p\u0159ipraven\u00e9 \u00fa\u010dtenky a faktury, kter\u00e9 mohou podpo\u0159it v\u00fd\u0161i pojistn\u00e9ho pln\u011bn\u00ed. Jakmile poji\u0161\u0165ovna ukon\u010d\u00ed \u0161et\u0159en\u00ed, obdr\u017e\u00edte informaci o v\u00fdsledku a <strong>pen\u00edze by m\u011bly dorazit na \u00fa\u010det do 15 dn\u016f.<\/strong> V od\u016fvodn\u011bn\u00fdch p\u0159\u00edpadech lze op\u011bt po\u017e\u00e1dat o z\u00e1lohu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-poji-t-n-v-s-ochr-n-p-i-povodni-a-z-plav\"><strong>Jak\u00e9 poji\u0161t\u011bn\u00ed v\u00e1s ochr\u00e1n\u00ed p\u0159i povodni a z\u00e1plav\u011b<\/strong><\/h2>\n\n\n\n<p><strong>Spr\u00e1vn\u011b nastaven\u00e9 poji\u0161t\u011bn\u00ed je z\u00e1kladn\u00ed podm\u00ednkou toho, aby v\u00e1m poji\u0161\u0165ovna \u0161kody uhradila. <\/strong>Bohu\u017eel st\u00e1le potk\u00e1v\u00e1m klienty, kte\u0159\u00ed maj\u00ed poji\u0161t\u011bnou pouze nemovitost \u2013 obvykle kv\u016fli hypot\u00e9ce \u2013 ale u\u017e nemaj\u00ed <strong>poji\u0161t\u011bnou dom\u00e1cnost ani odpov\u011bdnost za \u0161kod<\/strong>u. P\u0159itom pr\u00e1v\u011b vybaven\u00ed dom\u00e1cnosti (n\u00e1bytek, spot\u0159ebi\u010de, elektronika, obrazy, oble\u010den\u00ed) je p\u0159i povodni \u010dasto nen\u00e1vratn\u011b zni\u010deno.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\">Poji\u0161t\u011bn\u00ed nemovitosti<\/a> kryje samotnou stavbu a jej\u00ed stavebn\u00ed sou\u010d\u00e1sti, nap\u0159\u00edklad zdi, st\u0159echu, okna nebo podlahy. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti chr\u00e1n\u00ed ve\u0161ker\u00e9 vybaven\u00ed uvnit\u0159 domu. Ob\u011b poji\u0161t\u011bn\u00ed se vz\u00e1jemn\u011b dopl\u0148uj\u00ed a spole\u010dn\u011b poskytuj\u00ed komplexn\u00ed ochranu. Nezapome\u0148te si pravideln\u011b ov\u011b\u0159ovat, \u017ee pojistn\u00e1 \u010d\u00e1stka odpov\u00edd\u00e1 aktu\u00e1ln\u00ed hodnot\u011b va\u0161eho majetku \u2013 podpoji\u0161t\u011bn\u00ed toti\u017e m\u016f\u017ee znamenat sn\u00ed\u017een\u00e9 pln\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-1dd872c123239ecf879ba0e1f7bff355\"><strong>TIP:<\/strong> <strong>Doporu\u010duji alespo\u0148 jednou za dva a\u017e t\u0159i roky pojistku zkontrolovat a p\u0159\u00edpadn\u011b aktualizovat.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_property\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=property\" style=\"height: 265px; min-height: 265px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-slu-by-v-m-poji-ovna-m-e-nab-dnout\"><strong>Jak\u00e9 slu\u017eby v\u00e1m poji\u0161\u0165ovna m\u016f\u017ee nab\u00eddnout<\/strong><\/h2>\n\n\n\n<p>Krom\u011b samotn\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed nab\u00edzej\u00ed poji\u0161\u0165ovny i dal\u0161\u00ed slu\u017eby, kter\u00e9 mohou uleh\u010dit t\u011b\u017ek\u00e9 chv\u00edle po povodni. Pat\u0159\u00ed sem nap\u0159\u00edklad <strong>p\u0159\u00edsp\u011bvek na n\u00e1hradn\u00ed ubytov\u00e1n\u00ed, hl\u00edd\u00e1n\u00ed po\u0161kozen\u00e9 nemovitosti, p\u0159evoz a uskladn\u011bn\u00ed vybaven\u00ed dom\u00e1cnosti nebo \u00faklidov\u00e9 pr\u00e1ce.<\/strong><\/p>\n\n\n\n<p>Tyto slu\u017eby je ale mo\u017en\u00e9 vyu\u017e\u00edt jen tehdy, pokud jsou sou\u010d\u00e1st\u00ed va\u0161eho poji\u0161t\u011bn\u00ed a \u0161koda byla nahl\u00e1\u0161ena v\u010das. Zp\u011btn\u011b u\u017e o n\u011b bohu\u017eel \u017e\u00e1dat nelze.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-10-rad-jak-postupovat-p-i-povodni-nebo-jin-iveln-ud-losti\">Povodn\u011b <strong>nebo jin\u00e9 \u017eiveln\u00ed ud\u00e1losti<\/strong>: <strong>10 rad, jak postupovat<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-dokumentujte-kody-co-nejd-ve-a-nejpodrobn-ji\">Dokumentujte \u0161kody co nejd\u0159\u00edve a nejpodrobn\u011bji.<\/li>\n\n\n\n<li id=\"htoc-p-ipravte-si-slo-pojistn-smlouvy-a-nahlaste-kody-co-nejd-ve\">P\u0159ipravte si \u010d\u00edslo pojistn\u00e9 smlouvy a nahlaste \u0161kody co nejd\u0159\u00edve.<\/li>\n\n\n\n<li id=\"htoc-po-nahl-en-ekejte-na-instrukce-od-poji-ovny\">Po nahl\u00e1\u0161en\u00ed \u010dekejte na instrukce od poji\u0161\u0165ovny.<\/li>\n\n\n\n<li id=\"htoc-neodstra-ujte-kody-bez-p-edchoz-fotodokumentace\">Neodstra\u0148ujte \u0161kody bez p\u0159edchoz\u00ed fotodokumentace.<\/li>\n\n\n\n<li id=\"htoc-pokud-m-te-sjednan-asisten-n-slu-by-po-dejte-o-jejich-vyu-it\">Pokud m\u00e1te sjednan\u00e9 asisten\u010dn\u00ed slu\u017eby, po\u017e\u00e1dejte o jejich vyu\u017eit\u00ed.<\/li>\n\n\n\n<li id=\"htoc-pr-b-n-po-izujte-fotky-kod-i-b-hem-klidu\">Pr\u016fb\u011b\u017en\u011b po\u0159izujte fotky \u0161kod i b\u011bhem \u00faklidu.<\/li>\n\n\n\n<li id=\"htoc-dodejte-poji-ovn-v-echny-po-adovan-dokumenty\">Dodejte poji\u0161\u0165ovn\u011b v\u0161echny po\u017eadovan\u00e9 dokumenty.<\/li>\n\n\n\n<li id=\"htoc-aktivn-komunikujte-s-poji-ovnou-po-celou-dobu-likvidace\">Aktivn\u011b komunikujte s poji\u0161\u0165ovnou po celou dobu likvidace.<\/li>\n\n\n\n<li id=\"htoc-uschovejte-a-vyfo-te-v-echny-tenky-a-faktury-za-opravy\">Uschovejte a vyfo\u0165te v\u0161echny \u00fa\u010dtenky a faktury za opravy.<\/li>\n\n\n\n<li id=\"htoc-o-ek-vejte-pen-ze-do-15-dn-od-ukon-en-et-en-pokud-je-pot-eba-po-dejte-o-z-lohu\">O\u010dek\u00e1vejte pen\u00edze do 15 dn\u016f od ukon\u010den\u00ed \u0161et\u0159en\u00ed; pokud je pot\u0159eba, po\u017e\u00e1dejte o z\u00e1lohu.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-ff5865440a6f2c42fec8330f71eb420d\"><strong>TIP: <\/strong>P\u0159ed nahl\u00e1\u0161en\u00edm pojistn\u00e9 ud\u00e1losti se m\u016f\u017eete obr\u00e1tit na sv\u00e9ho finan\u010dn\u00edho poradce. Pom\u016f\u017ee v\u00e1m proj\u00edt pojistnou smlouvu, porad\u00ed s postupem a upozorn\u00ed na d\u016fle\u017eit\u00e9 detaily. A pokud poji\u0161t\u011bn\u00ed teprve zva\u017eujete, doporu\u010duji si porovnat nab\u00eddky nap\u0159\u00ed\u010d trhem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-z-v-r\"><strong>Povode\u0148 je ud\u00e1lost, kterou nem\u016f\u017eeme ovlivnit<\/strong><\/h2>\n\n\n\n<p>M\u016f\u017eeme ovlivnit, jak p\u0159ipraveni ji p\u0159iv\u00edt\u00e1me. D\u00edky spr\u00e1vn\u011b nastaven\u00e9mu poji\u0161t\u011bn\u00ed, v\u010dasn\u00e9 reakci a dodr\u017een\u00ed kl\u00ed\u010dov\u00fdch krok\u016f m\u016f\u017eete zm\u00edrnit jej\u00ed n\u00e1sledky a zajistit, \u017ee na obnovu majetku nebudete sami. Pokud si nejste jisti, zda va\u0161e pojistka pokr\u00fdv\u00e1 v\u0161echna rizika, <a href=\"https:\/\/www.fingo.cz\/kontakty\">r\u00e1di v\u00e1m s jej\u00ed kontrolou nebo nastaven\u00edm ve FinGO pom\u016f\u017eeme<\/a>.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Povodn\u011b, siln\u00e9 bou\u0159ky, p\u0159\u00edvalov\u00e9 de\u0161t\u011b a z\u00e1plavy jsou v \u010cesku \u010d\u00edm d\u00e1l \u010dast\u011bj\u0161\u00ed a intenzivn\u011bj\u0161\u00ed. Ka\u017ed\u00fd rok zp\u016fsobuj\u00ed \u0161kody za statis\u00edce i miliony korun. A\u0165 u\u017e bydl\u00edte v z\u00e1plavov\u00e9 oblasti, nebo ne, je d\u016fle\u017eit\u00e9 b\u00fdt na takovou situaci p\u0159ipraven\u00fd. V \u010dl\u00e1nku v\u00e1m vysv\u011btl\u00edm, jak se na povode\u0148 nachystat, co d\u011blat p\u0159i zaplaven\u00ed a jak v\u00e1m v takov\u00fdch chv\u00edl\u00edch m\u016f\u017ee pomoci dob\u0159e nastaven\u00e9 poji\u0161t\u011bn\u00ed. Jak se p\u0159ipravit na povodn\u011b \u2013 i kdy\u017e zat\u00edm nehroz\u00ed Prevence je z\u00e1kladem klidu. Doporu\u010duji si nejd\u0159\u00edve zjistit, zda va\u0161e nemovitost le\u017e\u00ed v povod\u0148ov\u00e9 z\u00f3n\u011b, a podle toho p\u0159izp\u016fsobit svou p\u0159\u00edpravu. Sledujte tak\u00e9 pravideln\u011b aktualizovan\u00e9 mapy rizikov\u00fdch oblast\u00ed. Kl\u00ed\u010dov\u00e9 je m\u00edt sjednan\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 kryje nejen povode\u0148, ale i z\u00e1plavu \u2013 ob\u011b tato rizika poji\u0161\u0165ovny rozli\u0161uj\u00ed a nen\u00ed samoz\u0159ejm\u00e9, \u017ee je m\u00e1te automaticky zahrnut\u00e1. D\u016fle\u017eit\u00e9 dokumenty, pojistn\u00e9 smlouvy a cennosti doporu\u010duji ulo\u017eit do vy\u0161\u0161\u00edch pater nebo vodot\u011bsn\u00fdch schr\u00e1nek. Pokud m\u00e1te mo\u017enost, zva\u017ete po\u0159\u00edzen\u00ed protipovod\u0148ov\u00fdch z\u00e1bran nebo pytl\u016f s p\u00edskem. U\u017e v klidn\u00fdch \u010dasech si p\u0159ipravte pl\u00e1n evakuace a seznam nejd\u016fle\u017eit\u011bj\u0161\u00edch v\u011bc\u00ed, kter\u00e9 je pot\u0159eba rychle p\u0159em\u00edstit. Co d\u011blat, kdy\u017e povodn\u011b ude\u0159\u00ed Jakmile p\u0159ijde varov\u00e1n\u00ed nebo za\u010dne voda stoupat, jednejte rychle a prioritou je bezpe\u010dnost va\u0161\u00ed rodiny. Sledujte pokyny \u00fa\u0159ad\u016f a nevystavujte se zbyte\u010dn\u00e9mu riziku. Pokud je to [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":2169,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[140,58,139],"class_list":["post-2168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezivotni-pojisteni","tag-pojisteni-domacnosti","tag-pojisteni-majetku","tag-povodne"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Povodn\u011b a z\u00e1plavy: jak chr\u00e1nit majetek a postupovat, kdy\u017e voda p\u0159ijde - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Povodn\u011b a jin\u00e9 \u017eiveln\u00ed ud\u00e1losti zp\u016fsobuj\u00ed \u0161kody za desetitis\u00edce korun. co p\u0159i takov\u00fdch situac\u00edch d\u011blat a jak se proti nim br\u00e1nit?\" \/>\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\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Povodn\u011b a z\u00e1plavy: jak chr\u00e1nit majetek a postupovat, kdy\u017e voda p\u0159ijde\" \/>\n<meta property=\"og:description\" content=\"Povodn\u011b a jin\u00e9 \u017eiveln\u00ed ud\u00e1losti zp\u016fsobuj\u00ed \u0161kody za desetitis\u00edce korun. co p\u0159i takov\u00fdch situac\u00edch d\u011blat a jak se proti nim br\u00e1nit?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\/\" \/>\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=\"2025-05-02T08:29:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-02T10:05:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/06\/fingo_88276_A_medium_shot_of_a_storm-damaged_house_in_the_Czech_feaabba2-d4a9-4844-ac80-d6aaad08bf14.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1232\" \/>\n\t<meta property=\"og:image:height\" content=\"928\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tom\u00e1\u0161 Kl\u00e1pa\" \/>\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=\"Tom\u00e1\u0161 Kl\u00e1pa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\\\/\"},\"author\":{\"name\":\"Tom\u00e1\u0161 Kl\u00e1pa\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/eb06fbf9d3413d881d63335935c50556\"},\"headline\":\"Povodn\u011b a z\u00e1plavy: jak chr\u00e1nit majetek a postupovat, kdy\u017e voda p\u0159ijde\",\"datePublished\":\"2025-05-02T08:29:38+00:00\",\"dateModified\":\"2025-05-02T10:05:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\\\/\"},\"wordCount\":1373,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/fingo_88276_A_medium_shot_of_a_storm-damaged_house_in_the_Czech_feaabba2-d4a9-4844-ac80-d6aaad08bf14.png\",\"keywords\":[\"poji\u0161t\u011bn\u00ed dom\u00e1cnosti\",\"poji\u0161t\u011bn\u00ed majetku\",\"povodn\u011b\"],\"articleSection\":[\"Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/povodne-a-jine-zivelni-udalosti-10-rad-jak-postupovat\\\/\",\"name\":\"Povodn\u011b a z\u00e1plavy: jak chr\u00e1nit majetek a postupovat, kdy\u017e voda p\u0159ijde - 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