{"id":1519,"date":"2024-09-30T13:14:00","date_gmt":"2024-09-30T13:14:00","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=1519"},"modified":"2024-10-01T15:49:55","modified_gmt":"2024-10-01T15:49:55","slug":"ricardo-ferreira-reis-3-2-2-3-2-3-2","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=1519","title":{"rendered":"SOBRE OS INC\u00caNDIOS NO NORTE E CENTRO DE PORTUGAL: A IMPORT\u00c2NCIA DA PROTE\u00c7\u00c3O DO SEGURO"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5thm2r-6e3f1a7f155bcbea25237b3a4fce5d38\">\n.avia-section.av-5thm2r-6e3f1a7f155bcbea25237b3a4fce5d38{\nbackground-color:#2c5778;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-5thm2r-6e3f1a7f155bcbea25237b3a4fce5d38{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-5thm2r-6e3f1a7f155bcbea25237b3a4fce5d38 main_color avia-section-small avia-no-border-styling  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  avia-bg-style-fixed av-custom-positioned container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1519'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-3yfchv-5512d190fe26c96f5432fec823605726 av_one_full  avia-builder-el-1  avia-builder-el-no-sibling  first av-break-at-tablet flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2axpqb-82be49dd91313b28d914fbb0b214ddfa\">\n#top .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa{\nmargin:0 0 0 0;\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:25px;\n}\nbody .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .av-special-heading-tag .heading-wrap:after{\nborder-color:rgba(0,0,0,0.01);\n}\n\n@media only screen and (max-width: 479px){ \n#top .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .av-special-heading-tag{\nfont-size:17px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa{\nmargin:0 0 -35px 0;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-2axpqb-82be49dd91313b28d914fbb0b214ddfa .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-2axpqb-82be49dd91313b28d914fbb0b214ddfa av-special-heading-h6 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size'><h6 class='av-special-heading-tag'  itemprop=\"headline\"  >Newsletter APS #05 | setembro 2024<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1519'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-6kwi4-8e596f04c27eab16388547305a04b6bc av_one_full  avia-builder-el-3  el_after_av_section  avia-builder-el-no-sibling  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f\">\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f av-metadata-container-align-left  avia-builder-el-4  el_before_av_heading  avia-builder-el-first  av-metadata-container-1'><div class='av-post-metadata-container-inner'><span class=\"av-post-metadata-content av-post-metadata-meta-content\"><span class=\"av-post-metadata-content av-post-metadata-category\"><span class=\"av-post-metadata-category-link\" ><a href=\"https:\/\/segurosecidadania.pt\/?cat=2\" >Not\u00edcias<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83\">\n#top .av-special-heading.av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83{\nmargin:20px 0 0 0;\npadding-bottom:20px;\nfont-size:30px;\n}\nbody .av-special-heading.av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 10px 0;\n}\n.av-special-heading.av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ls1rzmt1-97ee59a0632b9bb8369704b94c855a83 av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_image  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >SOBRE OS INC\u00caNDIOS NO NORTE E CENTRO DE PORTUGAL: A IMPORT\u00c2NCIA DA PROTE\u00c7\u00c3O DO SEGURO <\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls1s056x-009966bfc239126d51a9943e20277635\">\n.avia-image-container.av-ls1s056x-009966bfc239126d51a9943e20277635 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-ls1s056x-009966bfc239126d51a9943e20277635 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-ls1s056x-009966bfc239126d51a9943e20277635 av-styling- avia-align-center  avia-builder-el-6  el_after_av_heading  el_before_av_textblock '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1520 avia-img-lazy-loading-not-1520 avia_image ' src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1.jpg\" alt='' title='Sem T\u00edtulo-1'  height=\"800\" width=\"2000\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/10\/Sem-Titulo-1-705x282.jpg 705w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ls1s13k0-bd5659602c8ec4c80c8d120e3dc440cc '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Desde meados de agosto que o pa\u00eds tem assistido a um conjunto de eventos dram\u00e1ticos, com impacto significativo na vida de muitas pessoas e de v\u00e1rias empresas: um inc\u00eandio num parque de estacionamento que atingiu mais de 200 ve\u00edculos; um sismo, felizmente sem consequ\u00eancias de maior, mas que alertou consci\u00eancias para a fragilidade de prote\u00e7\u00e3o das fam\u00edlias e das empresas, caso as suas habita\u00e7\u00f5es e instala\u00e7\u00f5es sofressem danos; centenas de inc\u00eandios deflagraram no centro e norte do pa\u00eds, causando mortes e destruindo habita\u00e7\u00f5es, ve\u00edculos e patrim\u00f3nio diverso.<\/p>\n<p>\u00c9 sobre estes \u00faltimos que nos debru\u00e7amos, neste artigo. A APS continua, e continuar\u00e1, a alertar para a necessidade de se revisitar o tema dos seguros obrigat\u00f3rios em caso de inc\u00eandio ou eventos de natureza catastr\u00f3fica:<\/p>\n<p>&#8211; <strong>A obrigatoriedade da contrata\u00e7\u00e3o do seguro est\u00e1 limitada aos edif\u00edcios em propriedade horizontal.<\/strong> Apenas 50% das habita\u00e7\u00f5es t\u00eam seguro de inc\u00eandio. E mesmo nos edif\u00edcios em propriedade horizontal, obrigados a ter seguro, essa obriga\u00e7\u00e3o \u00e9 frequentemente incumprida em rela\u00e7\u00e3o a diversas fra\u00e7\u00f5es dos edif\u00edcios. Seria importante alargar e refor\u00e7ar do controlo da obriga\u00e7\u00e3o de segurar, desejavelmente, com a cria\u00e7\u00e3o de uma base de dados das ap\u00f3lices de seguro em vigor.<\/p>\n<p>&#8211; <strong>A obrigatoriedade de segurar, prevista no atual regime, cinge-se aos riscos de inc\u00eandio, raio e explos\u00e3o<\/strong>, deixando a descoberto um conjunto de riscos que, pela sua gravidade ou extens\u00e3o, podem afetar as habita\u00e7\u00f5es e os edif\u00edcios. \u00c9 o caso de outros riscos habitualmente previstos na cobertura base dos seguros de multirriscos, como os de inunda\u00e7\u00f5es, tempestades, danos por \u00e1gua ou o risco s\u00edsmico. Hoje assistimos, em Portugal, \u00e0 devasta\u00e7\u00e3o causada pelos inc\u00eandios, mas todos sabemos que essa devasta\u00e7\u00e3o pode ser causada por tempestades, inunda\u00e7\u00f5es, como as que est\u00e3o a ocorrer na Europa Central, ou por um sismo.<\/p>\n<p>&#8211; <strong>\u00c9 frequente a exist\u00eancia de contratos em situa\u00e7\u00e3o de infrasseguro<\/strong>, ou seja, em que o valor do capital seguro \u00e9 inferior ao valor de reconstru\u00e7\u00e3o, que, recorde-se, deve ser indicado pelo tomador do seguro, que melhor conhece as caracter\u00edsticas do im\u00f3vel. O Simulador do Custo de Reconstru\u00e7\u00e3o de Im\u00f3veis (SCRIM), \u00e9 uma ferramenta auxiliar que calcula o custo indicativo (mas n\u00e3o vinculativo) de reconstru\u00e7\u00e3o do im\u00f3vel e est\u00e1 dispon\u00edvel no site da APS (<a href=\"https:\/\/www.apseguradores.pt\/pt\/ferramentas\/simuladores\/reconstru%C3%A7%C3%A3o-de-im%C3%B3veis\" target=\"_blank\" rel=\"noopener\">saiba mais<\/a>).<\/p>\n<p>Estes acontecimentos revelam a import\u00e2ncia do seguro em momentos dram\u00e1ticos na vida das pessoas e das empresas. Mas Portugal est\u00e1 ainda muito abaixo da m\u00e9dia europeia em mat\u00e9ria de prote\u00e7\u00e3o atrav\u00e9s de seguros e h\u00e1 um caminho ainda a percorrer para tornar o pa\u00eds mais resiliente a estes eventos.<\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><em>Autor: APS<\/em><\/p>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Desde meados de agosto que o pa\u00eds tem assistido a um conjunto de eventos dram\u00e1ticos. A APS recorda a import\u00e2ncia dos seguros e a sua fun\u00e7\u00e3o: ajudar a resolver a vida das pessoas e das empresas.  <\/p>\n","protected":false},"author":2,"featured_media":1520,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1519","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1519"}],"version-history":[{"count":2,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1519\/revisions"}],"predecessor-version":[{"id":1542,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1519\/revisions\/1542"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/1520"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1519"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1519"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}