Determination of the extent of damage and calculation of the indemnity in case of natural disaster – tornado in South Moravia

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dc.contributor.authorMikulík, Michalcs
dc.contributor.authorHanák, Tomášcs
dc.contributor.authorSokol, Patrikcs
dc.contributor.authorVýskala, Miloslavcs
dc.coverage.issue1cs
dc.coverage.volume69cs
dc.date.issued2023-04-04cs
dc.description.abstractIn June 2021, a tornado struck a large area in southern Moravia, causing extensive damage to property owned by individuals and legal entities. A need thus arose to speed up the process of estimating the amount of insurance indemnity. This process involved local inspections and subsequent assessment of quotations from construction companies for repairs, as the adjusters did not have the time and resources to estimate the amount of damage using the usual method, i.e. an itemised budget containing a list of works, supplies and services necessary to restore a structure to its original condition based on an on-site inspection. This article contains a retrospective analysis of the accepted quotations and evaluates differences in terms of scope and price compared to the standard procedure. Four apartment buildings were selected for assessment of the insulation and roof repairs. The results show that there are clear discrepancies between the price as determined by the itemised budget using the usual prices and the construction companies’ quotations. The analysis of the selected buildings has indicated that the quotations can by no means be accepted without first establishing the total damage and its actual scope. Major damage caused by a natural disaster will still have to be estimated on the basis of a personal inspection of the damaged property and preparation of an itemised budget created in line with the applicable pricing system.en
dc.formattextcs
dc.format.extent645-660cs
dc.format.mimetypeapplication/pdfcs
dc.identifier.citationArchives of Civil Engineering. 2023, vol. 69, issue 1, p. 645-660.en
dc.identifier.doi10.24425/ace.2023.144193cs
dc.identifier.issn1230-2945cs
dc.identifier.orcid0000-0002-4284-1727cs
dc.identifier.orcid0000-0002-7820-6848cs
dc.identifier.orcid0000-0002-4577-8735cs
dc.identifier.orcid0000-0003-4179-1630cs
dc.identifier.other183255cs
dc.identifier.researcheridAEW-8087-2022cs
dc.identifier.researcheridE-3948-2019cs
dc.identifier.scopus57697159400cs
dc.identifier.scopus55170341300cs
dc.identifier.urihttp://hdl.handle.net/11012/209506
dc.language.isoencs
dc.publisherWarsaw University of Technologycs
dc.relation.ispartofArchives of Civil Engineeringcs
dc.relation.urihttps://journals.pan.pl/dlibra/publication/144193/edition/126855/contentcs
dc.rightsCreative Commons Attribution-NonCommercial-NoDerivatives 4.0 Internationalcs
dc.rights.accessopenAccesscs
dc.rights.sherpahttp://www.sherpa.ac.uk/romeo/issn/1230-2945/cs
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/4.0/cs
dc.subjectnatural disasteren
dc.subjecttornadoen
dc.subjectdamage to propertyen
dc.subjectprice quotationen
dc.subjectitemised budgeten
dc.subjectwear and tearen
dc.titleDetermination of the extent of damage and calculation of the indemnity in case of natural disaster – tornado in South Moraviaen
dc.type.driverarticleen
dc.type.statusPeer-revieweden
dc.type.versionpublishedVersionen
sync.item.dbidVAV-183255en
sync.item.dbtypeVAVen
sync.item.insts2025.02.03 15:45:11en
sync.item.modts2025.01.17 23:32:06en
thesis.grantorVysoké učení technické v Brně. Fakulta stavební. Ústav stavební ekonomiky a řízenícs
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