{"id":929,"date":"2023-02-15T18:21:29","date_gmt":"2023-02-15T18:21:29","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=929"},"modified":"2023-02-15T18:21:29","modified_gmt":"2023-02-15T18:21:29","slug":"cesi-podcenuji-aktualizaci-pojisteni-nemovitosti","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=929","title":{"rendered":"\u010ce\u0161i podce\u0148uj\u00ed aktualizaci poji\u0161t\u011bn\u00ed nemovitost\u00ed"},"content":{"rendered":"<p style=\"text-align: justify;margin: 0cm 0cm 8.0pt 0cm\"><b><span style=\"font-size: 11.0pt;font-family: 'Calibri',sans-serif;color: black\">V\u00edce ne\u017e \u010dtvrtina obyvatel \u010cesk\u00e9 republiky riskuje a nem\u00e1 poji\u0161t\u011bnu svou nemovitost. Ti, kte\u0159\u00ed poji\u0161t\u011bn\u00ed maj\u00ed, \u010dasto zapom\u00ednaj\u00ed na jeho aktualizaci, alespo\u0148 jednou za dva roky aktualizuje sv\u00e9 poji\u0161t\u011bn\u00ed nemovitosti jen necel\u00e1 polovina majitel\u016f. Neaktualizovan\u00e9 smlouvy p\u0159itom mohou v\u00e9st k\u00a0podpoji\u0161t\u011bn\u00ed nemovitosti.<\/span><\/b><\/p>\n<p><!--more--><\/p>\n<p style=\"text-align: justify;margin: 0cm 0cm 8.0pt 0cm\"><span style=\"font-size: 11.0pt;font-family: 'Calibri',sans-serif;color: black\">Celkem 27 % obyvatel \u010cesk\u00e9 republiky riskuje a nem\u00e1 poji\u0161t\u011bn\u00fd sv\u016fj byt \u010di d\u016fm, vypl\u00fdv\u00e1 z\u00a0aktu\u00e1ln\u00edho pr\u016fzkumu agentury Ipsos pro spole\u010dnost \u010cPP Servis. <i>\u201e\u010ctvrtina \u010desk\u00fdch dom\u00e1cnost\u00ed st\u00e1le pova\u017euje poji\u0161t\u011bn\u00ed vlastn\u00ed st\u0159echy nad hlavou za zbyte\u010dn\u00e9. \u0158ada lid\u00ed se st\u00e1le chce spol\u00e9hat na st\u00e1t, ten ale pom\u016f\u017ee jen v\u00a0omezen\u00e9 m\u00ed\u0159e, nap\u0159. v\u00a0p\u0159\u00edpad\u011b velk\u00fdch p\u0159\u00edrodn\u00edch katastrof. Ale ve velk\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f si lid\u00e9 a\u017e p\u0159\u00edli\u0161 pozd\u011b uv\u011bdom\u00ed, \u017ee bez poji\u0161t\u011bn\u00ed \u017e\u00e1dnou n\u00e1hradu \u0161kody nikde nez\u00edskaj\u00ed,\u201c<\/i> p\u0159ipom\u00edn\u00e1 p\u0159edseda Sboru jednatel\u016f spole\u010dnosti \u010cPP Servis David Kr\u0148\u00e1vek.<\/span><\/p>\n<p style=\"text-align: justify;margin: 0cm 0cm 8.0pt 0cm\"><span style=\"font-size: 11.0pt;font-family: 'Calibri',sans-serif;color: black\">Z\u00e1rove\u0148 upozor\u0148uje, \u017ee majitel\u00e9 nemovitost\u00ed \u010dasto zapom\u00ednaj\u00ed na pravidelnou aktualizaci pojistn\u00e9 smlouvy. Jednou za rok aktualizuje svou smlouvu pouze 23 % obyvatel \u010cesk\u00e9 republiky, dal\u0161\u00edch 24 % sv\u00e9 poji\u0161t\u011bn\u00ed nemovitosti aktualizuje alespo\u0148 jednou za dva roky. <i>\u201eA 12 % pojistn\u00fdch smluv nebylo aktualizov\u00e1no nikdy. To m\u016f\u017ee majitel\u016fm nemovitost\u00ed p\u0159in\u00e9st \u0159adu pot\u00ed\u017e\u00ed a v\u00a0p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti i nep\u0159\u00edjemn\u00e1 p\u0159ekvapen\u00ed,\u201c<\/i> dodal David Kr\u0148\u00e1vek.<\/span><\/p>\n<p style=\"text-align: justify;margin: 0cm 0cm 8.0pt 0cm\"><span style=\"font-size: 11.0pt;font-family: 'Calibri',sans-serif;color: black\">Ceny nemovitost\u00ed v\u00a0\u010cesk\u00e9 republice v\u00a0posledn\u00edch letech v\u00fdrazn\u011b vzrostly, p\u0159edev\u0161\u00edm v\u00a0posledn\u00edm roce se prudce zvedly i ceny stavebn\u00edch prac\u00ed a materi\u00e1l\u016f. Poji\u0161t\u011bn\u00ed uzav\u0159en\u00e1 p\u0159ed n\u011bkolika lety tak zdaleka nepokr\u00fdvaj\u00ed celou sou\u010dasnou hodnotu nemovitosti a doch\u00e1z\u00ed k podpoji\u0161t\u011bn\u00ed. Podle dat \u010cesk\u00e9 asociace poji\u0161\u0165oven je spr\u00e1vn\u011b poji\u0161t\u011bna jen asi t\u0159etina \u010desk\u00fdch dom\u00e1cnost\u00ed, naopak zhruba 70 % nemovitost\u00ed je podpoji\u0161t\u011bno, \u010dasto i o v\u00edce ne\u017e 50 %.<\/span><\/p>\n<p style=\"text-align: justify;margin: 0cm 0cm 8.0pt 0cm\"><span style=\"font-size: 11.0pt;font-family: 'Calibri',sans-serif;color: black\">V\u00a0p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti pak m\u016f\u017ee poji\u0161\u0165ovna pln\u011bn\u00ed kr\u00e1tit nebo v\u016fbec nevyplatit. V\u00edce ne\u017e polovina respondent\u016f (56 %) si toto riziko uv\u011bdomuje, naopak 44 % o takov\u00e9mto d\u016fsledku netu\u0161\u00ed. <i>\u201eNa finan\u010dn\u00edch poradc\u00edch je, aby v\u00a0r\u00e1mci finan\u010dn\u00edho vzd\u011bl\u00e1v\u00e1n\u00ed sv\u00fdch klient\u016f, na tato rizika upozor\u0148ovali. Pr\u00e1ce poradc\u016f a makl\u00e9\u0159\u016f nen\u00ed jen o uzav\u00edr\u00e1n\u00ed smluv, ale p\u0159edev\u0161\u00edm o n\u00e1sledn\u00e9m servisu a dlouhodob\u00e9m a odpov\u011bdn\u00e9m vztahu s\u00a0klientem,\u201c<\/i> uzav\u0159el David Kr\u0148\u00e1vek.<\/span><\/p>\n<p style=\"text-align: justify;margin: 0cm 0cm 8.0pt 0cm\"><span style=\"font-size: 11.0pt;font-family: 'Calibri',sans-serif;color: black\">Pr\u016fzkum zrealizovala \u010cPP Servis v\u00a0listopadu lo\u0148sk\u00e9ho roku na vzorku 1 000 respondent\u016f z\u00a0cel\u00e9 \u010cesk\u00e9 republiky. Sb\u011br dat byl realizov\u00e1n prost\u0159ednictv\u00edm aplikace Instant Research agentury Ipsos.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>V\u00edce ne\u017e \u010dtvrtina obyvatel \u010cesk\u00e9 republiky riskuje a nem\u00e1 poji\u0161t\u011bnu svou nemovitost. Ti, kte\u0159\u00ed poji\u0161t\u011bn\u00ed maj\u00ed, \u010dasto zapom\u00ednaj\u00ed na jeho aktualizaci, alespo\u0148 jednou za dva <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=929\" title=\"\u010ce\u0161i podce\u0148uj\u00ed aktualizaci poji\u0161t\u011bn\u00ed nemovitost\u00ed\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":930,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/929","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=929"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/929\/revisions"}],"predecessor-version":[{"id":931,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/929\/revisions\/931"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/930"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}