{"id":24,"date":"2021-12-02T14:47:30","date_gmt":"2021-12-02T14:47:30","guid":{"rendered":"https:\/\/guanabarario.com.br\/mkt\/?page_id=24"},"modified":"2021-12-13T18:21:19","modified_gmt":"2021-12-13T18:21:19","slug":"seguro-de-condominio","status":"publish","type":"page","link":"https:\/\/guanabarario.com.br\/mkt\/seguro-de-condominio\/","title":{"rendered":"Seguro de Condom\u00ednio"},"content":{"rendered":"

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Seu condom\u00ednio merece um seguro completo,
com vantagens e servi\u00e7os exclusivos.<\/p>\n

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Cote agora o seu seguro!<\/h2>\n

Oferecemos\u00a0atendimento personalizado\u00a0e\u00a0melhor custo-benef\u00edcio\u00a0para tornar sua experi\u00eancia menos burocr\u00e1tica.<\/p>\n

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O que \u00e9 seguro de condom\u00ednio?<\/h2>\n

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O seguro de condom\u00ednio \u00e9 diferente do residencial, pois apresenta algumas particularidades.<\/p>\n

Ele \u00e9 realizado para proteger as \u00e1reas comuns. No caso de pr\u00e9dios, ele tamb\u00e9m abrange toda a edifica\u00e7\u00e3o e as \u00e1reas estruturais dos apartamentos ou salas.<\/p>\n

[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”3.22″ global_colors_info=”{}”][et_pb_row _builder_version=”3.25″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.14.2″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Montserrat|700|||||||” header_2_text_color=”#000000″ header_2_font_size=”42px” header_2_line_height=”1.2em” text_orientation=”center” module_alignment=”center” custom_margin=”|||” custom_padding=”|||” header_2_font_size_tablet=”” header_2_font_size_phone=”36px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

Principais Coberturas<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” _builder_version=”3.25″ custom_margin=”|||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

Inc\u00eandio<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

queda de raio<\/span><\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

explos\u00e3o<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” _builder_version=”3.25″ custom_margin=”|||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Danos el\u00e9tricos<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||divi||400″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

RC Condom\u00ednio<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

RC S\u00edndico<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” _builder_version=”3.25″ custom_margin=”|||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

fuma\u00e7a<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

Alagamento e Inunda\u00e7\u00e3o<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

vazamento<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.14.2″ _module_preset=”default” column_structure=”1_3,1_3,1_3″][et_pb_column _builder_version=”4.14.2″ _module_preset=”default” type=”1_3″][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

Impacto de Ve\u00edculos<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.14.2″ _module_preset=”default” type=”1_3″][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

Furto de Bens<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.14.2″ _module_preset=”default” type=”1_3″][et_pb_icon font_icon=”||fa||900″ icon_color=”#FF0000″ icon_width_tablet=”” icon_width_phone=”45px” icon_width_last_edited=”on|phone” _builder_version=”4.14.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” header_2_font=”Montserrat|600||on|||||” header_2_text_align=”center” header_2_font_size=”20px” global_colors_info=”{}”]<\/p>\n

queda de aeronaves<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”FAQ” _builder_version=”3.22″ background_color=”#f7f7f7″ global_colors_info=”{}”][et_pb_row _builder_version=”3.25″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.14.2″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Montserrat|700|||||||” header_2_text_color=”#000000″ header_2_font_size=”42px” header_2_line_height=”1.2em” custom_margin=”|||” custom_padding=”|||” header_2_font_size_tablet=”” header_2_font_size_phone=”36px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

Principais d\u00favidas<\/h2>\n

[\/et_pb_text][et_pb_divider color=”#FF0000″ divider_position=”center” divider_weight=”5px” _builder_version=”4.14.2″ locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_accordion closed_toggle_text_color=”#2a2a2a” closed_toggle_background_color=”#ffffff” icon_color=”#FF0000″ use_icon_font_size=”on” _builder_version=”4.14.2″ toggle_font=”Montserrat|700|||||||” toggle_font_size=”18px” toggle_line_height=”1.4em” body_font=”||||||||” body_font_size=”15px” body_line_height=”1.8em” custom_margin=”|||” custom_padding=”|||” border_width_all=”0px” global_colors_info=”{}”][et_pb_accordion_item title=”Quem \u00e9 respons\u00e1vel pela contrata\u00e7\u00e3o?” open=”on” _builder_version=”4.14.2″ custom_margin=”1px||1px||true” global_colors_info=”{}”]O respons\u00e1vel pela contrata\u00e7\u00e3o \u00e9 o s\u00edndico ou a empresa\u00a0administradora.[\/et_pb_accordion_item][et_pb_accordion_item title=”O que diz a lei sobre o seguro de condom\u00ednio?” _builder_version=”4.14.2″ custom_margin=”1px||1px||true” global_colors_info=”{}” open=”off”]<\/p>\n

Esse tipo de seguro \u00e9 obrigat\u00f3rio por lei, conforme estabelece o artigo 1.346 do C\u00f3digo Civil: \u201c\u00c9 obrigat\u00f3rio o seguro de toda a edifica\u00e7\u00e3o contra o risco de inc\u00eandio ou destrui\u00e7\u00e3o, total ou parcial\u201d.
Ainda, o artigo 13 da\u00a0Lei 4.591\/1964<\/a>\u00a0consta: \u201cProceder-se-\u00e1 ao seguro da edifica\u00e7\u00e3o ou do conjunto de edifica\u00e7\u00f5es, neste caso, discriminadamente, abrangendo todas as unidades aut\u00f4nomas e partes comuns, contra inc\u00eandio ou outro sinistro que cause destrui\u00e7\u00e3o no todo ou em parte, computando-se o pr\u00eamio nas despesas ordin\u00e1rias do condom\u00ednio.\u201d<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”O que esse seguro cobre?” _builder_version=”4.14.2″ custom_margin=”1px||1px||true” global_colors_info=”{}” open=”off”]A cobertura vai variar de acordo com o tipo de seguro de condom\u00ednio contratado. Os planos mais b\u00e1sicos cobrem inc\u00eandio, queda de raio e aeronaves e explos\u00f5es.
\nNo entanto, podem ser inclusos adicionais, tais como: desmoronamento, desastres naturais, danos causados por impacto de ve\u00edculos, panes el\u00e9tricas, quebra de vidros, roubo e furto de bens que perten\u00e7am ao edif\u00edcio e outros.
\nO seguro do condom\u00ednio \u00e9 v\u00e1lido para a unidade
\nEle \u00e9 v\u00e1lido apenas para as \u00e1reas comuns e estruturais, n\u00e3o abrange as unidades
\nApenas quando o sinistro ocorrer nas \u00e1reas comuns e afetar a unidade, \u00e9 que ela ser\u00e1 indenizada pelos danos causados. Mesmo assim, a cobertura \u00e9 apenas para a repara\u00e7\u00e3o e reconstru\u00e7\u00e3o de estruturas f\u00edsicas (como paredes, pisos, canos, pintura etc.).
\nPortanto, se o cond\u00f4mino desejar proteger a sua resid\u00eancia, deve contratar por conta pr\u00f3pria um seguro diferente.[\/et_pb_accordion_item][et_pb_accordion_item title=”Quais principais erros na contrata\u00e7\u00e3o do seguro?” _builder_version=”4.14.2″ custom_margin=”1px||1px||true” global_colors_info=”{}” open=”off”]<\/p>\n

    \n
  1. N\u00e3o consultar o hist\u00f3rico da empresa:\u00a0\u00c9 preciso avaliar a reputa\u00e7\u00e3o da seguradora no mercado. Verifique o n\u00edvel de satisfa\u00e7\u00e3o dos clientes, o seu tempo de atua\u00e7\u00e3o e se h\u00e1 algum processo judicial em andamento. As chances de sair no preju\u00edzo ao contratar empresas desqualificadas s\u00e3o enormes.<\/li>\n<\/ol>\n
      \n
    1. Escolher a empresa pelo pre\u00e7o e n\u00e3o pelo servi\u00e7o ofertado:\u00a0Para muitos s\u00edndicos, o importante \u00e9 que os cond\u00f4minos estejam satisfeitos com as despesas do condom\u00ednio. Portanto, acabam trazendo como op\u00e7\u00f5es de seguradoras aquelas com o or\u00e7amento mais barato. No entanto, a seguran\u00e7a do edif\u00edcio n\u00e3o pode ser negligenciada, pois conforme diz o ditado popular: \u201co barato sai caro\u201d.<\/li>\n<\/ol>\n
        \n
      1. N\u00e3o verificar o valor da ap\u00f3lice:\u00a0Muitos s\u00edndicos acreditam que o seguro de condom\u00ednio cobrir\u00e1 todos os danos. No entanto, o valor da indeniza\u00e7\u00e3o \u00e9 limitado ao que est\u00e1 previsto na ap\u00f3lice.<\/li>\n
      2. N\u00e3o consultar o valor da franquia:\u00a0A franquia \u00e9 como se fosse uma coparticipa\u00e7\u00e3o do edif\u00edcio em rela\u00e7\u00e3o aos consertos e restaura\u00e7\u00f5es de danos. Cada seguradora cobra um valor diferente (que pode ser fixo ou em porcentagem) e \u00e9 importante conhec\u00ea-lo para verificar quando vale a pena acionar o seguro de condom\u00ednio ou n\u00e3o. Ainda, h\u00e1 empresas que n\u00e3o fazem essa cobran\u00e7a. Portanto, isso deve ser levado em considera\u00e7\u00e3o.<\/li>\n<\/ol>\n

        Agora voc\u00ea j\u00e1 sabe o que \u00e9 o seguro de condom\u00ednio e como ele funciona. Tendo ci\u00eancia de que ele n\u00e3o cobre acidentes causados dentro das unidades, \u00e9 altamente recomendado contratar um seguro residencial para complementar a prote\u00e7\u00e3o do seu lar.[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ use_custom_gutter=”on” gutter_width=”1″ specialty=”on” background_color_1=”#cecece” padding_top_bottom_link_1=”true” padding_left_right_link_1=”true” padding_top_1=”80px” padding_right_1=”6vw” padding_bottom_1=”80px” padding_left_1=”6vw” padding_1_tablet=”|10%||10%||true” padding_1_phone=”” padding_1_last_edited=”on|phone” admin_label=”Footer Section” module_id=”proposta” module_class=” et_pb_specialty_fullwidth” _builder_version=”4.14.2″ background_color=”#000000″ inner_width=”100%” inner_width_tablet=”100%” inner_width_phone=”100%” inner_width_last_edited=”on|desktop” inner_max_width=”100%” inner_max_width_tablet=”100%” inner_max_width_phone=”100%” inner_max_width_last_edited=”on|desktop” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” make_fullwidth=”on” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ background_color=”#ffb400″ custom_padding=”|||” global_colors_info=”{}” padding_tablet=”|10%||10%||true” padding_last_edited=”on|phone” custom_padding__hover=”|||” padding_phone=”|10%||10%||true”][et_pb_text _builder_version=”4.14.2″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Montserrat|700|||||||” header_2_text_color=”#000000″ header_2_font_size=”42px” header_2_line_height=”1.2em” custom_margin=”|||” custom_padding=”|||” header_2_font_size_tablet=”” header_2_font_size_phone=”36px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

        Solicite uma cota\u00e7\u00e3o!<\/h2>\n

        [\/et_pb_text][et_pb_divider color=”#FF0000″ divider_position=”center” divider_weight=”5px” _builder_version=”4.14.2″ locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_contact_form captcha=”off” email=”atendimento@guanabarario.com.br,condominio@guanabarario.com.br,ramiro.antas@gmail.com” custom_message=”Nome: %%Nome%%||et_pb_line_break_holder||Email: %%Email%%||et_pb_line_break_holder||Telefone: %%Telefone%%||et_pb_line_break_holder||Mensagem: %%Mensagem%%” success_message=”Solicita\u00e7\u00e3o enviada. 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        Guanabara Rio Corretora de Seguros | Desenvolvido por Marketing4web<\/a><\/p>\n

        [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

        Seu condom\u00ednio merece um seguro completo,com vantagens e servi\u00e7os exclusivos.Cote agora o seu seguro! Oferecemos\u00a0atendimento personalizado\u00a0e\u00a0melhor custo-benef\u00edcio\u00a0para tornar sua experi\u00eancia menos burocr\u00e1tica.O que \u00e9 seguro de condom\u00ednio?O seguro de condom\u00ednio \u00e9 diferente do residencial, pois apresenta algumas particularidades. Ele \u00e9 realizado para proteger as \u00e1reas comuns. No caso de pr\u00e9dios, ele tamb\u00e9m abrange toda a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-blank.php","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-24","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/pages\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":42,"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/pages\/24\/revisions"}],"predecessor-version":[{"id":119,"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/pages\/24\/revisions\/119"}],"wp:attachment":[{"href":"https:\/\/guanabarario.com.br\/mkt\/wp-json\/wp\/v2\/media?parent=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}