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Silný mráz môže nehnuteľnosť poškodiť

Napísal TS - KOMUNÁLNA poisťovňa 01. marec 2018

Tuhé mrazy, pri ktorých klesla teplota až na -30 °C, zasiahli Slovensko v januári minulého roka. Chladné počasie panuje na našom území aj v týchto dňoch. Vlastníci domov a ďalších nehnuteľností môžu urobiť opatrenia, ktoré pomôžu škodám na majetku predísť alebo ich minimalizovať. 

winter house

Z údajov KOMUNÁLNEJ poisťovne tiež vyplýva, že najčastejšími príčinami poistných udalostí počas minulej zimy boli ťažký alebo topiaci sa sneh a extrémne nízke teploty. Podľa údajov Slovenského hydrometeorologického ústavu bol najchladnejším dňom v minulom roku 8. január, kedy teplota v Oravskej Lesnej klesla na -35,5 °C a aj v ďalších obciach na Slovensku – napr. v Lieseku, Párnici, Zázrivej, Dudinciach a Červenom Kláštore – namerali teplotu -30 °C. Pri takomto mraze sú najviac ohrozené vodovodné a vykurovacie potrubia hlavne v rekreačných chatách, v ktorých sa pravidelne nekúri. Ich zamrznutie môže viesť k prasknutiu radiátorov a následnému vytopeniu nehnuteľnosti. „Za posledných päť rokov sme vyplatili desiatky poistných udalostí za škody spôsobené zimou, z toho dve mimoriadne v celkovej sume takmer 60-tisíc eur,“ hovorí P. Žilka.

Pri poistení nehnuteľnosti je potrebné myslieť na plnohodnotné krytie. Predmetom poistenia nehnuteľnosti sú stavby určené na bývanie − rodinné domy a byty, domy vo výstavbe, rekreačné chaty, garáže, ploty, záhradné domčeky, bazény, ale aj stavebný materiál. „Našim klientom odporúčame, aby spolu s poistením nehnuteľnosti uzatvorili aj poistenie domácnosti. Je to dôležité preto, aby sa vyhli riziku, že v prípade škody na nehnuteľnosti, budú musieť opravy, resp. kúpu hnuteľných vecí tvoriacich zariadenie domácnosti hradiť z vlastných prostriedkov,“ hovorí P. Žilka. Veci osobnej potreby členov domácnosti, ktoré nie sú pevne spojené s nehnuteľnosťou, napr. nábytok, koberce, obrazy, odevy, knihy, riad, veci zberateľskej hodnoty, stroje, športové potreby, ale aj elektrospotrebiče – práčka, umývačka riadu, sušička bielizne a i. nie sú v prípade škody hradené z poistenia nehnuteľnosti, ale z poistenia domácnosti.

Štyri tipy ako nehnuteľnosť pripraviť na tuhé mrazy

  • Temperujte, resp. kúrte. Aj nízky výkon kúrenia predíde zamrznutiu vodovodných potrubí a ich následnému poškodeniu.
  • Ak dom či chatu neobývate, odčerpajte vodu a odstavte jej prívod do radiátorov a potrubí.
  • Potrubia ošetrite izolačným materiálom.
  • Ak napriek tomu dôjde k zamrznutiu, zastavte prívod vody a potrubie postupne rozmrazujte pomocou uteráku či horúcej vody. Po rozmrazení púšťajte vodu len pozvoľna.

14 komentárov

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    The driving pressure behind his workout routine and fitness obsessed
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    If you'll be able to plan your meals out ahead of time or
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    you need. He has access to assets and a schedule that allows him to spend so much
    of money and time on his workout gear and it gives him the time to completely pour himself into his workouts.
    That doesn’t imply that he’s not able to teach us something a couple of workout and food regimen that
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    physique. As a toddler, Micheal Jai White was around a lot of
    processed and fast foods. These are fine in moderation, but the excessive carb depend, excessive sodium, and low amounts of nutrients make them abysmal for a food plan that’s focused on constructing
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    Taking the time away out of your favourite exercises would
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    The real trick to this food plan is simply trying to slim
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    This can be when he’s breaking out the farm-fresh grilled hen for a protein-rich meal that can give him his key vitamins and maintain him from
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    That’s why you want to combine them both so as to develop
    your muscle sooner and enhance your body composition. The
    barbell row lets you use heavy weights to overload your again muscular tissues for maximal muscle growth.

    Nonetheless, it’s simple to cheat in this train and use
    your hips to use heavier weights than your upper again muscles can handle.

    You don't need heavy weights and crowded gyms to get a full-body, fat-shredding exercise.

    For instance, if one of many workouts asks you to
    work within a rep vary of reps, you should not be able to do more than 25.
    If you can, the burden is simply too light and your total
    quantity might be lower than what it ought to
    be. It pushes each muscle to the restrict and
    uses cutting-edge scientific approaches to muscle gains.
    It’s a no-hold-barred, intense introduction to muscle development –
    even for a newbie.
    It takes ferocious consistency, discipline and sustained
    effort over a period of several years. The final secret ingredient to muscle gain is a healthy dose of
    fun. Your exercises ought to be like your favorite show – you can’t wait to see the following episode.

    Select a weight that you can get 10 high quality
    reps out with. That ought to be your 10 reps max, so that
    you just can't do an 11th rep without your type breaking down. That is the weight that you will perform your 6 units
    of 6 reps with. On your first three sets, you do 8-10 reps, going
    as heavy as you probably can with proper kind.

    A PPL routine may be tailored to swimsuit various training kinds
    and frequencies. You can use the identical primary framework for training 3, 4,
    5, or even 6 days per week. Agonist-antagonist coaching is basically coaching opposing muscular
    tissues in the identical workout.
    A structured plan, then again, is your personal roadmap for building your muscle
    mansion. With Out it, you’re like a building worker and not using a blueprint, randomly placing
    bricks right here and there. A structured plan ensures every exercise contributes towards your goal of including
    pounds of muscle to your body. When you’re trying to
    construct muscle fast, certain factors have a greater impression than others.

    The advanced push pull legs routine takes you on a six-week muscle-building journey, whereas the
    intermediate one is seven weeks lengthy. Sooner or
    later, you’ll have accomplished the PPL program
    of your choice. For most people, resting for 2–3 minutes between sets is right.

    Years from now, you’ll look back and thank "Past You" for beginning energy coaching at present.
    So if you’d prefer to build muscle, but
    not as a lot as an expert bodybuilder – don’t
    worry, it’s not one thing that occurs by chance.
    In addition, some ladies with bigger amounts of muscle mass choose to
    take steroids to assist help them in gaining muscle, as a end result of we simply don’t have the hormones naturally to get to
    that size. You simply need to ensure you’re getting enough energy and sufficient protein in your
    system to promote muscle development. Once you attain a certain physique
    fats percentage you’re proud of, then you'll find a
    way to improve your caloric consumption to build more dimension.
    In addition, they let you get a full range of movement both at the bottom and prime of the motion.
    Attempt some push-ups and squats as we mentioned in our energy coaching
    section. Whereas you can’t spot scale back fat, you'll
    be able to select to construct more muscle in specific areas, changing
    your body form.
    The upper and decrease body workout sessions will prioritize power coaching, leading to lower reps and a concentrate
    on compound workout routines. On the opposite hand, the PPL
    routine during the week will highlight hypertrophy. It's greatest to do a full
    physique routine three days every week with 1-2 relaxation days between exercises because
    it permits for enough relaxation time between exercises.
    This sort of exercise with a quantity of
    sets of compound workouts and a large coaching volume will assist maximize muscle gain, muscle
    hypertrophy and power. You can do barbell compound workouts on the gym or a full body dumbbell workout at house with adjustable dumbbells.

    Science has proven that a 3-day full body workout plan with complete relaxation days in between is right for building
    muscle and having enough and effective muscle restoration time.

    Some folks naturally progress better with a PPL
    cut up, while others might favor a simple push/pull or upper/lower cut up.
    This type of workout will enable your physique to recover and you might discover that you’re stronger when you start again on your regular routine.
    Deloading is performing the identical workout but cutting it in half with regard to volume and intensity.
    It means you’re just displaying up and going
    through the motions.
    First off, consider utilizing correct form as your insurance policy.
    Strength coaching is a very secure type of train, but sloppy form can nonetheless lead to strains, sprains, or
    much more severe accidents. In addition, your workout log lets you rejoice those small wins – like
    including five extra kilos to your lift or squeezing
    out an extra rep. These victories add up and maintain you hungry for more.
    Consistency is among the major not-so-secret elements in the muscle-building recipe.

    Some also argue that novices or "skinny guys" need different
    approaches, like "soiled bulking," to pack on measurement
    quickly. A clean, managed surplus mixed with a year-long bulking
    workout plan for skinny guys is way more sustainable.
    Rapid weight achieve from overeating typically ends in fat, not quality muscle.
    Embrace endurance and adaptability exams to spherical out your analysis.

    In the tip, just make certain you get three lifts in per week on non-consecutive days.
    Your physique is constructed to survive, not to appear to be
    an Olympia competitor, so putting on—and holding on to—muscle
    mass is a complicated, multilayered affair that may
    differ from individual to individual. Constructing muscle takes a lot of focus,
    intention, and time and dedication. If you’re overwhelmed by all the data and strategies before you, look to a
    dietitian and athletic coach or sports activities medication doctor for some extra
    guidance. They’ll have the flexibility to tailor any exercise
    routine and healthy meal plans that work directly for you and your
    physique based on your individual objectives. They can also assist you figure out
    calorie recommendations particularly for you.
    If you wish to lose fats or just hold lean, cardio is a must.
    Calories burned when weightlifting, particularly with a bodybuilding or powerlifting split, merely can’t compare to
    conventional cardio. So, if cardio is necessary to you, we suggest that you simply
    do minutes of cardio 3-4 days a week, although even 2 days is ok.
    It permits you to clearly see and work in the direction of your progressive overload objectives.
    If you do that correctly, you will build muscle and energy with out fail.

    Generally talking, you want to put the big compound lifts firstly of your exercise when your strength levels are highest.

    Use an lively restoration day for relaxation days when you've loads of vitality, aren't sore
    at all, and when you’re getting enough sleep. As Soon As
    you’re in a position to do the instructed number of
    reps comfortably with good form, enhance the weight in order that
    the final couple of reps turn out to be difficult.
    Looking to build some muscle and don’t know where to start?
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    your muscles. EMG analysis demonstrates that the machine bench press recruits the shoulders far lower
    than free-weight variations. This workout routine might not provide you with an prompt pump however will
    improve your power and dimension over time.
    Working out produces waste products within the muscle cells—the results of
    burning glucose and fats to fuel muscular contractions.
    That waste buildup draws water inside muscle cells, and as with a
    balloon, the extra water that the muscle cell can maintain, the bigger the pump you’ll expertise.
    The pump primarily stretches the muscle cell, making the muscle itself momentarily larger and initiating biochemical
    pathways that prompt everlasting development.
    The primary distinction you’ll discover between the first phase and the second
    is the absence of all isolation exercises.
    Choosing the proper exercise split for your wants can be tough, as there are numerous to select from.
    Nevertheless, one of the newer splits to realize in popularity up to now few years is the push,
    pull, legs exercise, also called a PPL break up.
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    libido. The aim is to observe each exercise day exactly as
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    Start of with three days per week and progress towards the complete 6 days to maximize
    your results. Your food regimen is the second half of the muscle-building
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    As An Alternative, you’ll be focusing on all of the muscle groups, which suggests
    you don’t have to work out as many instances per week to see the advantages.
    The reason people cut up certain exercises into completely different days is
    so that they don’t overwork one muscle group.

    The muscle tissue being used in many workouts will usually overlap,
    so it’s important to take this into account. The high quality of those repetitions decreases with a longer
    session. There are a few advantages to this approach,
    especially for a beginner. For instance, coaching a physique
    part a number of times per week lets you learn the movement
    patterns better and accelerate your ability level with sure
    workouts.
    At Jack Metropolis Fitness, our fitness coaches
    have the experience that can help you develop a customized workout plan so you'll have the ability to meet your targets.
    Our coaches companion with you to get to know you and your
    talents, guiding you thru your exercise routine. They work within your health levels,
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    workout that helps enhance your accountability, security,
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    of the best ways to target these muscle groups with each fitness center session, class, or private training appointment.
    Nonetheless, if you wish to construct muscle sooner or pace up weight
    reduction, this program isn’t for you. So by splitting the volume over 2 exercises per week, you are additionally able to cut up the workout routines across the periods and target
    specific muscle fibres more intensely.
    This program ensures each muscle gets educated multiple instances per week, balancing volume, frequency, and recovery.
    For occasion, many bodybuilders advocate for splits
    that permit for muscle restoration whereas maximizing rigidity.

    They usually argue that coaching a muscle group two to 3 instances every
    week can enhance development. This frequency permits you to stimulate muscle fibers extra successfully while giving them adequate recovery time.

    To work out these muscle groups together one can, for example, make the most of some weight machines and barbells.
    If you are training exhausting, you body wants more sleep than those who are not.
    No matter what split you do, you should all
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    in case your aim is power & mass building. Like any exercise routine and cut up, you must stick to this plan for
    no less than 8 weeks if you want noticeable results. Need a smart AI-powered coach to optimize
    your exercise split, intensity, and progress automatically?
    It can match into a busy lifestyle, allowing for workouts that don't demand a lot of time.
    You can simply squeeze in a session when you could have a spare hour or
    two.
    With numerous exercise splits to choose from, the 5 day exercise break up
    is among the hottest options, examined by pro bodybuilders for many years.

    As the name suggests, this break up entails understanding 5 days every
    week. Whereas it calls for real dedication, it is a superb choice if you enjoy frequent workouts and aim
    to build muscle and power. It usually involves training higher
    body muscle tissue one day and lower physique muscle tissue the following, allowing for ample restoration time.
    This split is nice for these who can commit to coaching four days every week.
    When it comes to constructing muscle, the means in which you structure your workouts matters.

    Pairing muscle teams strategically during workouts helps you maximize effectivity, steadiness energy,
    and optimize recovery. These muscle groups are nearly at all times lively in strength-building exercises.
    Some individuals discover hiring a personal coach helps them
    keep motivated and makes working out extra enjoyable. A coach can maintain you
    accountable and ensure that you’re working at an acceptable depth for your present fitness
    stage. Another factor to suppose about is how many strength-training classes you may
    have weekly. Many exercises will work a minimal of two different muscle groups collectively,
    whereas others can isolate particular muscular tissues.
    One situation that can affect one of the best coaching split is your coaching frequency—how many
    instances you practice per week. Subsequently, the rest of
    the article will take a look at the most effective exercise split routine for coaching three days per week.
    Working out 5 days every week is perfectly fantastic
    as long as you are not training each muscle group every day or too close collectively.
    By separating your physique parts into different days, you can prepare more frequently.

    If you aren't near-advanced or superior, it is recommended to stick to the 6-15 rep range.
    The big three workout routines – bench press,
    squats, and deadlifts – are suitable for 1-5 reps.
    When lifting heavy weights, train warning.
    Actions like shoulder presses, lateral raises,
    and push-ups assure you interact all areas of your shoulders.
    For your arms, consider bicep curls, tricep dips, and cranium crushers.
    These exercises not solely sculpt your arms but in addition promote higher efficiency in different exercises.
    So you have three days per week to train; what workout break
    up are you going to use? Choosing the right coaching cut up on your targets is crucial to optimizing
    your time in the health club by making probably the most progress without losing any time.
    In this article, we’ll go over one of the best
    coaching splits to take advantage of out of your three days within the health
    club. It can additionally be helpful and has been proven to be beneficial via research studies that by activating
    the opposing muscle (agonist/antagonist), you
    complete simpler exercises.
    Compound actions ought to kind the inspiration of your workouts.
    These exercises interact multiple muscle groups and permit for greater overall energy positive aspects.
    The second training session of StrengthLog’s Push Pull Exercise Routine
    is your first pull day exercise. In contrast to the first push workout, you’ll be utilizing
    lighter weight, extra reps, and a few isolation work in this hypertrophy-focused session. For one, it's difficult to maintain up peak vitality levels all through numerous exercises.


    We work out these muscle teams the toughest, and every
    of them requires a lot more energy from us than any
    of the remaining smaller muscle groups like
    our arms, shoulders, & abs. For occasion, Monday – Wednesday – Friday are workout days where all 7
    major muscular tissues are flippantly engaged; the opposite 4 days are off days.
    As I famous, a sort of causes is that you’re working
    every major muscle group a few instances per week.
    Assume of all the other ways you'll be able to challenge
    your muscular tissues. You may use free weights or a resistance band or two, or you can merely use your own physique weight.

    Holman provides two seven-exercise templates for full-body health.
    "These two workouts under ensure we're using these movement patterns together with some variation and guaranteeing we're utilizing the vertical and horizontal planes of motion," he says.
    The rear delts are often missed and are a variety of the most neglected muscle tissue in the upper body, even in superior lifters.
    When correctly developed, though, they contribute to these full and round 3D-looking shoulders all bodybuilders want.
    You use your abs for both pushing and pulling actions, meaning you
    are able to do them both day. Add one crunch-type exercise on one pull day and a leg raise-type on the other, and you’re
    good to go. This guide will discover the primary muscle groups that work together
    and a few exercises that best target every one.
    Your hands should be barely behind your physique when your elbows are straight.
    Place the dumbbell to 1 aspect of the bench where you'll find a way to reach it and then get into the starting position. These are typically muscles
    or muscle teams that work with one another. A person can work these groups in the future, then move onto another
    muscle group the next day. Many targeted muscle tissue work along with other muscles to
    operate. Concentrating On one muscle could not totally engage
    these different supportive muscular tissues, but they may be
    in use to some degree.
    Moreover, a wide grip ("fingers on the rings") the place
    your higher arm points about 45° out to the sides, involves virtually all the pectoralis major’s muscle fibers.

    A broad and powerful chest is more than only a filler of your shirt.
    When you train 6-7 days per week, particularly as a beginner or intermediate lifter, your progress with
    stagnate quickly because you aren't permitting sufficient time for recovery.
    Whereas you can select any of the same three day splits I mentioned 
    in this information, I Am Going To provide a pattern 3 day
    body weight routine using the Push Pull Legs split. Throughout your deload week, you
    can do full body workouts or your current routine at significantly less depth (half the load load, maybe
    less sets). You may also need to just do body weight workouts (see
    good option simply below).
    You're still working quite a number of main muscle
    teams in a single exercise, which could be fatiguing for the accent movements added onto the tip.
    There are a quantity of completely different styles of training that group sure muscle teams
    collectively, relying on coaching depth and frequency.
    Here are some workout routines you can carry out to focus on each muscle group.

    Did you know you'll find a way to amplify the benefits of exercising if you understand which muscle teams
    are best to work out together? Combining particular muscle groups contributes to improved efficiency and balanced muscle improvement.
    Exercising various physique elements on separate days provides your muscles with further recovery time between classes, lowering the chance of overtraining.
    We spoke to our professional, Ishaan Arora, Karnal-Based Physique Building India Certified Health Trainer, who listed perfect muscle
    teams that you need to work out together.
    This sort of routine lets you hit all major muscle teams more frequently and
    stimulate extra frequent protein synthesis, which goes to be great for
    constructing muscular tissues. Although a full body exercise
    plan is most best for a three day cut up if your objective is strength2,
    they can be efficient when expanded to a 4-day weekly schedule.

    If you do it once per week, twice per week, or something in between just
    isn't the necessary thing. The newbie can normally do a bit bigger jumps, but when you’re previous the newbie stage,
    I advocate you attempt to do yet one more rep or add 2.5
    kg (5 lb) per set and train. The single-arm dumbbell row is the most well-liked dumbbell lat train of all, and is great for growing each the middle of your back, as nicely as the back of your shoulders.
    Let’s go over every train and what muscular tissues
    they work, and also alternate options for every train when you can’t or
    don’t need to do precisely the ones we’ve chosen for you.


    The first time you do that pull exercise, you should try to discover weights
    that let you perform the prescribed variety of units and reps with
    good form in every train. This is as a outcome
    of longer relaxation periods enable us to perform more reps in the subsequent units.
    More reps imply more training being accomplished and more stimulus for the muscular tissues to develop.

    To compensate for shorter rest durations, you’d want
    to increase the number of units you do. The barbell deadlift is hard however works most of your again muscle tissue in a single movement,
    making it an effective first exercise in your pull day exercise.
    As the name states, a pull day is a exercise where you give
    consideration to pull workout routines and the muscle tissue concerned in them.


    Higher physique pull is effective as a end result
    of when you train again your biceps are engaged. Subsequently, it's time-efficient
    to train these muscle tissue together. Additionally, this works well because
    your biceps may be fatigued from back day. Subsequently, if you have been to coach
    them individually you would have to be extra involved with
    recovery.
    You can do this in your relaxation days together with your mobility work or after some cardio activity.

    Specific core work is very important, but sometimes it can overshadow different areas.
    Selecting a 4-day break up on your exercise program will supply quite a lot of advantages.


    Knowing which muscle teams to work out together
    helps you keep away from overtraining every week and ensures your muscles
    are getting the remaining they need to recuperate properly.
    It can also allow you to maintain motivation for working onerous when you understand that after one
    robust leg day, you can let those muscle tissue relaxation for a few days.
    If you upped coaching to 4 times per week, then you’re drifting more into the realms of workouts split between upper
    and decrease. After the bench press, it is time to transfer on to incline dumbbell presses, dips,
    and standing cable flyes. The same precept of progressive overload nonetheless applies to these exercises, and you want to all the time try to increase the burden you’re using for a given rep goal.
    However, you shouldn’t increase the burden at the price of approach.

    The only advice is that you simply wouldn't have more than 2 consecutive training days,
    as that might defeat the purpose of "optimal balance of frequency & volume".
    Doing so enhances cardio benefits and boosts muscle endurance, leading to
    improved general fitness. After completing
    your leg press sets, shift to shoulder exercises to guarantee
    a balanced exercise. Most compound workout routines for the lower physique involve
    your hamstrings in some capacity, but none accomplish that optimally.

    The Bulgarian cut up squat is a incredible addition to conventional barbell squats.
    The primary good thing about working one leg at a time is discovering and concentrating on any weak point.
    A long-term dedication to unilateral exercises like the cut
    up squat helps fix strength imbalances and makes you a better lifter.
    You begin with a strength-focused push workout, then alternate between pull days and push days.
    Keep In Mind, some workouts target multiple muscle
    groups instead of one or two. These allow you to give consideration to balanced coaching instead of adding numerous workout routines to your routine.