{"id":129082,"date":"2025-11-21T12:36:54","date_gmt":"2025-11-21T12:36:54","guid":{"rendered":"https:\/\/rdnews.al\/?p=129082"},"modified":"2025-11-21T12:36:54","modified_gmt":"2025-11-21T12:36:54","slug":"permbytjet-ngjarje-katastrofike-qe-mund-te-sigurohen","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2025\/11\/21\/permbytjet-ngjarje-katastrofike-qe-mund-te-sigurohen\/","title":{"rendered":"P\u00ebrmbytjet, ngjarje katastrofike q\u00eb mund t\u00eb sigurohen"},"content":{"rendered":"

Shqip\u00ebria sot \u00ebsht\u00eb s\u00ebrish n\u00ebn uj\u00eb. Nuk \u00ebsht\u00eb hera e par\u00eb. Nga Vlora n\u00eb N\u00ebnshkod\u00ebr, Gjirokast\u00ebr e Sarand\u00eb, Kurbin etj., t\u00eb nj\u00ebjtat pamje p\u00ebrs\u00ebriten vit pas viti. Lumenj q\u00eb dalin nga shtrati, fshatra q\u00eb izolohen, ekonomi familjare q\u00eb zhyten n\u00eb kriz\u00eb me reshjet e para.
\nE megjithat\u00eb, Shqip\u00ebria, edhe pse vend q\u00eb renditet n\u00eb \u00e7do hart\u00eb evropiane t\u00eb risqeve si nj\u00eb nga m\u00eb t\u00eb ekspozuarit ndaj p\u00ebrmbytjeve, rr\u00ebshqitjeve t\u00eb dherave, t\u00ebrmeteve dhe zjarreve, qytetar\u00ebt e saj po vazhdojn\u00eb t\u00eb paguajn\u00eb m\u00eb pak se kushdo tjet\u00ebr n\u00eb kontinent p\u00ebr sigurin\u00eb financiare nga risqet natyrore.<\/p>\n

Ky kontrast \u00ebsht\u00eb alarmues: shqiptar\u00ebt jetojn\u00eb n\u00eb nj\u00eb territor t\u00eb rrezikuar si pak vende t\u00eb tjera n\u00eb Europ\u00eb, por mbrohen financiarisht m\u00eb pak se pothuajse kushdo tjet\u00ebr.
\nNd\u00ebrsa natyra po b\u00ebhet gjithnj\u00eb e m\u00eb agresive, mbrojtja financiare nga pasojat e saj po b\u00ebhet gjithnj\u00eb e m\u00eb e dob\u00ebt. Kjo qasje \u00ebsht\u00eb sakt\u00ebsisht ajo q\u00eb nuk do t\u00eb duhej ndjekur, ndaj k\u00ebto radh\u00eb synojn\u00eb t\u00eb sjellin sadopak nd\u00ebrgjegj\u00ebsim me kah t\u00eb kund\u00ebrt: m\u00eb shum\u00eb sigurim, sepse risqet jan\u00eb b\u00ebr\u00eb m\u00eb t\u00eb pranishme.<\/p>\n

Gjysm\u00eb milion\u00eb shqiptar\u00eb t\u00eb preksh\u00ebm<\/strong><\/p>\n

Shqip\u00ebria nuk mund t\u00eb mburret me \u201c300 dit\u00eb diell\u201d kur ndryshimet klimatike rrezikojn\u00eb frytet e tyre dhe k\u00ebrkojn\u00eb m\u00eb shum\u00eb vigjilenc\u00eb, parandalim dhe kultur\u00eb sigurimi. T\u00ebrmeti i vitit 2019 tregoi se sa t\u00eb pambrojtur jemi: 51 viktima, qindra t\u00eb plagosur dhe mbi 1 miliard euro d\u00ebme. Edhe p\u00ebrmbytjet, nga n\u00ebntori n\u00eb prill, mbeten nj\u00eb k\u00ebrc\u00ebnim i p\u00ebrvitsh\u00ebm, ve\u00e7an\u00ebrisht p\u00ebr Ult\u00ebsir\u00ebn Per\u00ebndimore, duke rrezikuar jet\u00ebn e mbi gjysm\u00eb milioni qytetar\u00ebve dhe nj\u00eb t\u00eb tret\u00ebn e ekonomis\u00eb s\u00eb vendit.<\/p>\n

Lumenjt\u00eb me prurje t\u00eb m\u00ebdha si vendbashkimi Drinit me Bun\u00ebn n\u00eb t\u00eb ashtuquajturin Baseni Drin\u00eb-Bun\u00eb, Vjosa, Mati dhe Semani e b\u00ebjn\u00eb k\u00ebt\u00eb zon\u00eb ve\u00e7an\u00ebrisht t\u00eb ekspozuar, nd\u00ebrsa shpyll\u00ebzimi, nd\u00ebrhyrjet n\u00eb shtret\u00ebr, nd\u00ebrtimet pa kriter dhe menaxhimi i dob\u00ebt e rrisin m\u00eb tej riskun. P\u00ebrmbytjet nuk jan\u00eb nj\u00eb lajm sezonal, por nj\u00eb k\u00ebrc\u00ebnim q\u00eb k\u00ebrkon p\u00ebrgjegj\u00ebsi dhe veprim nga t\u00eb gjith\u00eb.<\/p>\n

R\u00ebnd\u00ebsia e sigurimeve<\/strong><\/p>\n

N\u00eb k\u00ebt\u00eb realitet, sigurimet nuk jan\u00eb m\u00eb opsion dyt\u00ebsor, por mjeti m\u00eb i sigurt p\u00ebr t\u2019u mbrojtur financiarisht nga p\u00ebrmbytjet dhe fatkeq\u00ebsit\u00eb natyrore. Sigurimi i banes\u00ebs, biznesit apo pasurive t\u00eb tjera ul pasigurit\u00eb ekonomike dhe shmang goditjen e r\u00ebnd\u00eb q\u00eb nj\u00eb ngjarje ekstreme sjell n\u00eb buxhetin e familjeve dhe kompanive.<\/p>\n

Nj\u00eb polic\u00eb sigurimi garanton kompensim t\u00eb shpejt\u00eb dhe rikthim m\u00eb t\u00eb leht\u00eb n\u00eb normalitet, edhe n\u00eb skenar\u00ebt m\u00eb t\u00eb v\u00ebshtir\u00eb. Rritja e mbulimit ul barr\u00ebn mbi financat publike, pasi shteti nuk mund dhe nuk duhet t\u00eb mbuloj\u00eb \u00e7do d\u00ebm. Shembulli i fundit mes Franc\u00ebs dhe Spanj\u00ebs e tregon qart\u00eb: atje ku niveli i sigurimeve \u00ebsht\u00eb m\u00eb i lart\u00eb, rikuperimi financiar \u00ebsht\u00eb shum\u00eb m\u00eb i shpejt\u00eb dhe nevoja p\u00ebr nd\u00ebrhyrje shtet\u00ebrore shum\u00eb m\u00eb e vog\u00ebl, si n\u00eb rastin e Franc\u00ebs.<\/p>\n

SIGAL Insurance Group si mund\u00ebsi <\/strong><\/p>\n

Vet\u00ebm n\u00eb n\u00ebnt\u00eb muajt e par\u00eb t\u00eb vitit 2025, sipas raportit zyrtar t\u00eb AMF, nj\u00eb e kat\u00ebrta e t\u00eb gjitha d\u00ebmeve t\u00eb paguara nga sektori i sigurimeve n\u00eb Shqip\u00ebri mbulohen nga SIGAL IG. SIGAL paguan po ashtu 40.39% t\u00eb t\u00eb gjitha d\u00ebmeve t\u00eb tregut t\u00eb sigurimeve n\u00eb pron\u00eb, konkretisht 164,798,000 lek\u00eb.<\/p>\n

Megjith\u00ebse qytetar\u00ebt po paguajn\u00eb m\u00eb pak p\u00ebr t\u00eb siguruar pronat nga rreziqet e zjarrit dhe katastrofave, vet\u00ebm n\u00eb vitin 2025 SIGAL IG ka paguar 50.93% m\u00eb shum\u00eb d\u00ebme n\u00eb pasuri p\u00ebr klient\u00ebt e saj, krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/p>\n

N\u00eb SIGAL IG, p\u00ebr 0.04% t\u00eb shifr\u00ebs s\u00eb siguruar, mund t\u00eb sigurohet edhe p\u00ebrmbytja edhe rr\u00ebshqitja e dheut si sigurim. P\u00ebr rreth 1 euro metri katror mund t\u00eb sigurohet prona nga zjarri dhe rreziqe t\u00eb tjera natyrore n\u00eb police.<\/p>\n

Anomalia n\u00eb shifra<\/strong><\/p>\n

Nga ana tjet\u00ebr, n\u00eb tregun e sigurimeve v\u00ebrehet nj\u00eb fenomen shqet\u00ebsues: shqiptar\u00ebt kan\u00eb paguar vet\u00ebm 407,985,000 lek\u00eb p\u00ebr sigurimet ndaj zjarrit dhe katastrofave natyrore n\u00eb vitin 2025, nj\u00eb shif\u00ebr q\u00eb sh\u00ebnon nj\u00eb ulje prej 10.37% krahasuar me 9-mujorin e par\u00eb t\u00eb vitit paraardh\u00ebs.<\/p>\n

Kjo ulje \u00ebsht\u00eb n\u00eb kontrast t\u00eb plot\u00eb me realitetin, sidomos kur Shqip\u00ebria renditet nd\u00ebr vendet m\u00eb t\u00eb ekspozuara n\u00eb Europ\u00eb ndaj p\u00ebrmbytjeve, rr\u00ebshqitjeve t\u00eb dherave, t\u00ebrmeteve dhe zjarreve.<\/p>\n

Ndaj pik\u00ebrisht k\u00ebtu duhet v\u00ebn\u00eb alarmi: Shqip\u00ebria \u00ebsht\u00eb m\u00eb e rrezikuar, katastrofat natyrore po sjellin m\u00eb shum\u00eb d\u00ebme; si rrjedhoj\u00eb, shqiptar\u00ebt duhet t\u00eb sigurojn\u00eb m\u00eb shum\u00eb pron\u00ebn, banes\u00ebn dhe biznesin e tyre.<\/p>\n

\"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

Shqip\u00ebria sot \u00ebsht\u00eb s\u00ebrish n\u00ebn uj\u00eb. Nuk \u00ebsht\u00eb hera e par\u00eb. Nga Vlora n\u00eb N\u00ebnshkod\u00ebr, Gjirokast\u00ebr e Sarand\u00eb, Kurbin etj., t\u00eb nj\u00ebjtat pamje p\u00ebrs\u00ebriten vit pas viti. Lumenj q\u00eb dalin nga shtrati, fshatra q\u00eb izolohen, ekonomi familjare q\u00eb zhyten n\u00eb kriz\u00eb me reshjet e para. E megjithat\u00eb, Shqip\u00ebria, edhe pse vend q\u00eb renditet n\u00eb \u00e7do …<\/p>\n","protected":false},"author":4,"featured_media":129083,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-129082","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/129082","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=129082"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/129082\/revisions"}],"predecessor-version":[{"id":129085,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/129082\/revisions\/129085"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/129083"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=129082"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=129082"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=129082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}