Jak se pojistit proti nejhoršímu

Za téměř šest měsíců od doby, co hurikán Katrina zničil polovinu New Orleans, zůstala očekávání pomoci ze strany mnoha obětí této bouře nenaplněna, což u nich vyvolalo pocit zatrpklosti. Tento pocit je možná ještě bolestnější, uvážíme-li, kolik majitelů domů zbytečně utrpělo zničující ztráty kvůli absenci pojištění nebo jeho nedostatečné výši, často v domnění, že si správnou pojistku nemohou dovolit.

Budoucí katastrofy – bouře, cunami, sopečné erupce, lesní požáry, zemědělské či jiné ekologické krize, epidemie chorob či teroristické útoky – budou mít pravděpodobně za následek stejný typ problémů. Je tedy důležité zamyslet se nad příčinami nedostatečného pojištění a nad otázkou, zda jsou naše pojišťovací instituce dostatečnou zárukou proti rizikům, kterým čelíme.

Podle zprávy Institutu pro pojišťovací informace bylo do konce ledna vypořádáno téměř 70% pojistných škod majitelů domů v Louisianě v celkové hodnotě 7,5 miliardy dolarů. Zní to dobře, avšak hurikán těžce poškodil nebo zcela zničil přibližně 200 000 domů, takže z celkové vyplacené částky připadá na jeden dům necelých 40 000 dolarů – což je mnohem méně, než bylo potřeba.

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