{"id":70135,"date":"2025-01-14T00:37:32","date_gmt":"2025-01-13T23:37:32","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=70135"},"modified":"2025-01-13T17:32:58","modified_gmt":"2025-01-13T16:32:58","slug":"kalifornska-nocni-mura-nejprve-zmizelo-pojisteni-pak-dum","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2025\/01\/14\/kalifornska-nocni-mura-nejprve-zmizelo-pojisteni-pak-dum\/","title":{"rendered":"Kalifornsk\u00e1 no\u010dn\u00ed m\u016fra: Nejprve zmizelo poji\u0161t\u011bn\u00ed, pak d\u016fm"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p><strong><span>Ned\u00e1vn\u00fd po\u017e\u00e1r v okrese Los Angeles odhalil d\u011bsivou realitu: tis\u00edce majitel\u016f dom\u016f \u010delily ni\u010div\u00fdm plamen\u016fm bez poji\u0161t\u011bn\u00ed. Situace, kterou je\u0161t\u011b zhor\u0161uje rigidn\u00ed pravidlo 120 procent st\u00e1tu. Kolik lid\u00ed nyn\u00ed p\u0159ijde o sv\u016fj majetek \u00fapln\u011b, proto\u017ee si ho u\u017e prost\u011b nemohou dovolit znovu postavit?<\/span><\/strong><\/p>\n<p><span>Francis Bischetti \u010del\u00ed ruin\u00e1m sv\u00e9ho \u017eivota. Jeho domov v Pacific Palisades, kde \u017eil 50 let, lehl popelem. &#8222;Bylo to surrealistick\u00e9.&#8220; Vyrostl jsem zde a \u017eiji tu d\u00e1l a d\u00e1l u\u017e 50 let. \u201eZa celou tu dobu jsem nic takov\u00e9ho neza\u017eil,\u201c popisuje svou situaci pro\u00a0<\/span><a href=\"https:\/\/www.latimes.com\/business\/story\/2025-01-12\/california-homeowners-are-getting-cancelled-by-their-insurers-and-the-reasons-are-dubious\"><span>LA Times<\/span><\/a><span> . Stejn\u011b jako mnoho dal\u0161\u00edch si u\u017e nemohl dovolit astronomicky vysok\u00e9 pojistn\u00e9. Jeho ro\u010dn\u00ed pojistn\u00e9 u Farmers Insurance se m\u011blo zv\u00fd\u0161it ze 4 500 USD na 18 000 USD \u2013 co\u017e je n\u00e1r\u016fst o 400 procent.<\/span><\/p>\n<p><span>Po\u017e\u00e1r, kter\u00fd ji\u017e zni\u010dil p\u0159es 10 000 budov a vy\u017e\u00e1dal si nejm\u00e9n\u011b 16 ob\u011bt\u00ed, zas\u00e1hl ji\u017e tak t\u011b\u017ece zasa\u017een\u00fd pojistn\u00fd trh.\u00a0<\/span><strong><span>State Farm, nejv\u011bt\u0161\u00ed kalifornsk\u00e1 poji\u0161\u0165ovna dom\u016f, v b\u0159eznu 2024 zru\u0161ila pojistky 30 000 majitel\u016f dom\u016f<\/span><\/strong><span>\u00a0\u2013 1 626 z nich jen v Pacific Palisades. Ostatn\u00ed poji\u0161\u0165ovac\u00ed giganti jako Chubb a Allstate se zcela st\u00e1hli z nov\u00fdch obchod\u016f.<\/span><\/p>\n<p><span>Kalifornsk\u00e9 z\u00e1kony Assembly Bill 556 a Assembly Bill 1500 stanov\u00ed\u00a0<\/span><a href=\"https:\/\/www.boe.ca.gov\/proptaxes\/pdf\/lta24003.pdf\"><span>p\u0159\u00edsn\u00e9 limity pro rekonstrukci<\/span><\/a><span> . Takzvan\u00e9 pravidlo 120 procent povoluje pouze novostavbu, kter\u00e1 je do p\u011bti let \u2013 a to do p\u011bti let od po\u0161kozen\u00ed \u2013 maxim\u00e1ln\u011b o 20 procent dra\u017e\u0161\u00ed nebo v\u011bt\u0161\u00ed ne\u017e p\u016fvodn\u00ed. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b plat\u00ed vy\u0161\u0161\u00ed standardn\u00ed sazby i u dan\u011b z nemovitosti. Rick Dinger, prezident Crescenta Valley Insurance, shrnul situaci pro kalifornsk\u00e9 noviny: &#8222;Situace byla jako vlak, kter\u00fd ne\u00faprosn\u011b m\u00ed\u0159il ke sr\u00e1\u017ece.&#8220;<\/span><\/p>\n<p><span>Obzvl\u00e1\u0161t\u011b z\u0159eteln\u00fd je probl\u00e9m na p\u0159\u00edkladu 83let\u00e9 Peggy Holterov\u00e9, o n\u00ed\u017e informuje i LA Times. Jejich byt padl za ob\u011b\u0165 plamen\u016fm. Pojistn\u00e9 kryt\u00ed sdru\u017een\u00ed vlastn\u00edk\u016f dom\u016f je pouh\u00fdch 20 milion\u016f dolar\u016f \u2013 to je asi 550 000 dolar\u016f na jednotku. Byty byly ned\u00e1vno zobchodov\u00e1ny za v\u00edce ne\u017e milion dolar\u016f, co\u017e znamen\u00e1, \u017ee rekonstrukce se za sou\u010dasn\u00fdch podm\u00ednek jev\u00ed jako t\u011b\u017eko provediteln\u00e1.<\/span><\/p>\n<p><span>Kalifornsk\u00fd FAIR pl\u00e1n, zam\u00fd\u0161len\u00fd jako posledn\u00ed mo\u017enost, zaznamenal dramatick\u00fd n\u00e1r\u016fst: z 203 000 pojistek p\u0159ed \u010dty\u0159mi lety na 452 000 dnes. Jen v Pacific Palisades jsou potenci\u00e1ln\u00ed \u0161kody t\u00e9m\u011b\u0159 6 miliard dolar\u016f. Matt Knight z Altadeny m\u011bl podle den\u00edku v\u011bt\u0161\u00ed \u0161t\u011bst\u00ed \u2013 jeho d\u016fm plameny p\u0159e\u017eil. Ale cesta, jak se tam dostat, byla kamenit\u00e1: Nejprve musel investovat 30 000 dolar\u016f do renovace, aby si v\u016fbec z\u00edskal nov\u00e9 poji\u0161t\u011bn\u00ed. P\u0159i m\u00e9n\u011b ne\u017e 300 000 USD to v\u0161ak pokr\u00fdv\u00e1 pouze zlomek skute\u010dn\u00e9 hodnoty nemovitosti 1,13 milionu USD.<\/span><\/p>\n<p><span>Katastrofa znamen\u00e1 zlom. Je z n\u011bj naprosto jasn\u00e9, \u017ee Kalifornie nal\u00e9hav\u011b pot\u0159ebuje nov\u00e1 \u0159e\u0161en\u00ed \u2013 jak pro pojistn\u00fd trh, tak pro sv\u00e9 stavebn\u00ed p\u0159edpisy.\u00a0<\/span><strong><span>Do t\u00e9 doby z\u016fstanou majitel\u00e9 dom\u016f v oblastech n\u00e1chyln\u00fdch k po\u017e\u00e1r\u016fm uv\u011bzn\u011bni v nebezpe\u010dn\u00e9m vakuu: mezi nedostupn\u00fdm poji\u0161t\u011bn\u00edm a nerealistick\u00fdmi pravidly p\u0159estavby.<\/span><\/strong><span>\u00a0Pro mnoh\u00e9 z posti\u017een\u00fdch to znamen\u00e1, \u017ee nakonec mus\u00ed prodat sv\u016fj majetek. Je to za\u010d\u00e1tek \u201ebrave new world\u201c dystopick\u00e9ho Great Resetu Sv\u011btov\u00e9ho ekonomick\u00e9ho f\u00f3ra, kde nikdo nic nevlastn\u00ed, ale v\u0161ichni by byli \u201e\u0161\u0165astn\u00ed\u201c?<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-1185\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2021\/04\/kuryr-podpis.png\" alt=\"\" width=\"84\" height=\"24\" \/><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ned\u00e1vn\u00fd po\u017e\u00e1r v okrese Los Angeles odhalil d\u011bsivou realitu: tis\u00edce majitel\u016f dom\u016f \u010delily ni\u010div\u00fdm plamen\u016fm&#8230;<\/p>\n","protected":false},"author":2,"featured_media":70136,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[2839,514,624,37],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/70135"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=70135"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/70135\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/70136"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=70135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=70135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=70135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}