{"id":75877,"date":"2023-08-08T06:29:17","date_gmt":"2023-08-08T06:29:17","guid":{"rendered":"https:\/\/www.automakersnews.cz\/?p=75877"},"modified":"2023-08-08T06:29:17","modified_gmt":"2023-08-08T06:29:17","slug":"cap-cesi-loni-prisli-kvuli-nepojistenym-pozarum-o-17-miliardy-korun","status":"publish","type":"post","link":"https:\/\/www.automakersnews.cz\/index.php\/2023\/08\/08\/cap-cesi-loni-prisli-kvuli-nepojistenym-pozarum-o-17-miliardy-korun\/","title":{"rendered":"\u010cAP: \u010ce\u0161i loni p\u0159i\u0161li kv\u016fli nepoji\u0161t\u011bn\u00fdm po\u017e\u00e1r\u016fm o 1,7 miliardy korun"},"content":{"rendered":"<p><strong>V roce 2022 vyj\u00ed\u017ed\u011bli hasi\u010di k t\u00e9m\u011b\u0159 21 tis\u00edc\u016fm po\u017e\u00e1r\u016f s celkovou \u0161kodou t\u00e9m\u011b\u0159 5,3 miliardy korun. Poji\u0161t\u011bn\u00e1 z nich ale byla jen \u010dtvrtina. \u010ce\u0161i i firmy t\u00edm p\u0159i\u0161li o v\u00edce ne\u017e 1,7 miliardy korun, kter\u00e9 by jim b\u00fdvalo mohlo b\u00fdt vyplaceno na pojistn\u00e9m pln\u011bn\u00ed. Vyplynulo to z anal\u00fdzy \u010cesk\u00e9 asociace poji\u0161\u0165oven.<\/strong><!--more--><\/p>\n<p>Na jedn\u00e9 stran\u011b 5 307 pojistn\u00fdch ud\u00e1lost\u00ed z po\u017e\u00e1ru s celkovou poji\u0161t\u011bnou \u0161kodou 3,6 miliardy korun, na stran\u011b druh\u00e9 dal\u0161\u00edch 15,5 tis\u00edce po\u017e\u00e1r\u016f za 1,7 miliardy korun, kter\u00e9 ale poji\u0161t\u011bn\u00e9 nebyly. To jsou aktu\u00e1ln\u00ed statistiky \u010cesk\u00e9 asociace poji\u0161\u0165oven a HZS.<\/p>\n<p>\u201eZd\u00e1lo by se, \u017ee podle aktu\u00e1ln\u00ed anal\u00fdzy dosahuje propoji\u0161t\u011bn\u00ed pro p\u0159\u00edpad po\u017e\u00e1ru jen okolo 25 %. Podle r\u016fzn\u00fdch statistik dosahuje poji\u0161t\u011bn\u00ed nemovitosti ob\u010dan\u016f 55 %, u firem to bude je\u0161t\u011b v\u00fdznamn\u011b v\u00edce. D\u016fvodem tohoto rozd\u00edlu je velk\u00e9 mno\u017estv\u00ed po\u017e\u00e1r\u016f, p\u0159i kter\u00fdch zasahuj\u00ed hasi\u010di, ale \u017e\u00e1dn\u00e1 z\u00e1sadn\u00ed \u0161koda u nich nevznik\u00e1. Typicky se m\u016f\u017ee jednat o po\u017e\u00e1ry tr\u00e1vy, odpadu nebo jin\u00e9 poplachy, kde nen\u00ed re\u00e1ln\u00e1 \u0161koda nebo jen minim\u00e1ln\u00ed,\u201c uv\u00e1d\u00ed Petr Jedli\u010dka, analytik \u010cesk\u00e9 asociace poji\u0161\u0165oven. Denn\u011b se p\u0159itom stane v pr\u016fm\u011bru 14,5 majetkov\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed, jejich\u017e p\u0159\u00ed\u010dinou je po\u017e\u00e1r.<\/p>\n<p>V meziro\u010dn\u00edm srovn\u00e1n\u00ed p\u0159itom stoupl objem \u0161kod, a p\u0159i stabilit\u011b po\u010dtu pojistn\u00fdch ud\u00e1lost\u00ed tedy i pr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u0161kod z po\u017e\u00e1ru, a to o 13 %. Po\u010det poji\u0161t\u011bn\u00fdch po\u017e\u00e1r\u016f se dlouhodob\u011b pohybuje okolo 5 300 ud\u00e1lost\u00ed za rok s pr\u016fm\u011brnou \u0161kodou 676 000 korun v roce 2022 ve srovn\u00e1n\u00ed s 595 tis\u00edci korun v roce 2021.<\/p>\n<p>\u201eHodnota dom\u00e1cnost\u00ed i nemovitost\u00ed roste, rostou tedy i zp\u016fsoben\u00e9 \u0161kody. Je proto t\u0159eba db\u00e1t na spr\u00e1vnou v\u00fd\u0161i pojistn\u00fdch \u010d\u00e1stek, aby nedoch\u00e1zelo k tzv. podpoji\u0161t\u011bn\u00ed, tedy situaci, kdy pojistn\u00e1 \u010d\u00e1stka nen\u00ed aktualizovan\u00e1 a neodpov\u00edd\u00e1 tak skute\u010dn\u00e9 hodnot\u011b majetku,\u201c upozor\u0148uje Lenka Slabejov\u00e1, odbornice na ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed \u010cesk\u00e9 asociace poji\u0161\u0165oven. Spr\u00e1vn\u00e9 pojistn\u00e9 \u010d\u00e1stky v\u0161ak dosahuje jen t\u0159etina pojistn\u00fdch smluv. Nej\u010dast\u011bj\u0161\u00ed v\u00fd\u0161e podpoji\u0161t\u011bn\u00ed \u010din\u00ed mezi 20 % a 49 % a 15 % smluv dosahuje dokonce v\u00edce ne\u017e 50% podpoji\u0161t\u011bn\u00ed.<\/p>\n<p>Po\u017e\u00e1ry byly mezi prvn\u00edmi ud\u00e1lostmi, proti kter\u00fdm se dalo pojistit. Prvn\u00ed pokusy o tento typ poji\u0161t\u011bn\u00ed se datuj\u00ed do poloviny 17. stolet\u00ed, ale a\u017e v roce 1681 zalo\u017eil ekonom Nicholas Barbon s kolegy prvn\u00ed poji\u0161\u0165ovnu proti po\u017e\u00e1r\u016fm \u201eThe Insurance Office for Houses\u201c. Na \u010desk\u00e9m \u00fazem\u00ed se pak prvn\u00ed poji\u0161t\u011bn\u00ed proti po\u017e\u00e1ru objevuje v roce 1748, kdy v r\u00e1mci terezi\u00e1nsk\u00fdch reforem vznikl tzv. fond na \u00fahradu \u0161kod vznikl\u00fdch po\u017e\u00e1ry, povodn\u011bmi a nep\u0159\u00edzn\u00ed po\u010das\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>V roce 2022 vyj\u00ed\u017ed\u011bli hasi\u010di k t\u00e9m\u011b\u0159 21 tis\u00edc\u016fm po\u017e\u00e1r\u016f s celkovou \u0161kodou t\u00e9m\u011b\u0159 5,3 miliardy korun. Poji\u0161t\u011bn\u00e1 z nich ale byla jen \u010dtvrtina. \u010ce\u0161i <a class=\"mh-excerpt-more\" href=\"https:\/\/www.automakersnews.cz\/index.php\/2023\/08\/08\/cap-cesi-loni-prisli-kvuli-nepojistenym-pozarum-o-17-miliardy-korun\/\" title=\"\u010cAP: \u010ce\u0161i loni p\u0159i\u0161li kv\u016fli nepoji\u0161t\u011bn\u00fdm po\u017e\u00e1r\u016fm o 1,7 miliardy korun\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":4,"featured_media":75878,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-75877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni"],"_links":{"self":[{"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/posts\/75877","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/comments?post=75877"}],"version-history":[{"count":0,"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/posts\/75877\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/media\/75878"}],"wp:attachment":[{"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/media?parent=75877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/categories?post=75877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.automakersnews.cz\/index.php\/wp-json\/wp\/v2\/tags?post=75877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}