{"id":28,"date":"2026-07-08T08:00:00","date_gmt":"2026-07-08T05:00:00","guid":{"rendered":"https:\/\/surduasigurari.ro\/news\/?p=28"},"modified":"2026-07-08T08:00:00","modified_gmt":"2026-07-08T05:00:00","slug":"pad-obligatoriu-2026-amenzi-actualizate-termene-si-cum-il-ob","status":"publish","type":"post","link":"https:\/\/surduasigurari.ro\/news\/pad-obligatoriu-2026-amenzi-actualizate-termene-si-cum-il-ob\/","title":{"rendered":"PAD obligatoriu 2026: amenzi actualizate, termene \u0219i cum \u00eel ob\u021bii corect"},"content":{"rendered":"<p>PAD-ul nu e op\u021bional \u2014 e obligatoriu prin lege pentru to\u021bi proprietarii de locuin\u021be din Rom\u00e2nia. \u0218i totu\u0219i, milioane de imobile r\u0103m\u00e2n neasigurate \u00een fiecare an. Dac\u0103 nu \u0219tii exact c\u00e2t cost\u0103, c\u00e2nd trebuie re\u00eennoit \u0219i ce ri\u0219ti f\u0103r\u0103 el, iat\u0103 un ghid rapid \u0219i la zi pentru 2026.<\/p>\n<h2>Cine este obligat \u0219i ce risc\u0103 f\u0103r\u0103 PAD<\/h2>\n<p><strong>Obliga\u021bia<\/strong> se aplic\u0103 tuturor proprietarilor de imobile cu destina\u021bie de locuin\u021b\u0103 din Rom\u00e2nia, indiferent dac\u0103 locuiesc \u00een ele sau le \u00eenchiriaz\u0103. Excep\u021bie: imobilele din zone \u00een care nu exist\u0103 risc de dezastru natural \u2014 situa\u021bie extrem de rar\u0103 \u00een practic\u0103.<\/p>\n<p><strong>Amenda<\/strong> pentru lipsa PAD-ului este cuprins\u0103 \u00eentre <strong>500 \u0219i 2.500 lei<\/strong> conform legisla\u021biei \u00een vigoare. Autorit\u0103\u021bile pot verifica existen\u021ba poli\u021bei la tranzac\u021bii imobiliare, la contracte de ipotec\u0103 sau \u00een cadrul controalelor periodice.<\/p>\n<p>Un detaliu important: <strong>dac\u0103 nu ai PAD \u0219i survine un eveniment acoperit (cutremur, inunda\u021bie), nu prime\u0219ti nicio desp\u0103gubire din fondul public<\/strong> \u2014 riscul r\u0103m\u00e2ne integral al t\u0103u, indiferent de amploarea dezastrului.<\/p>\n<h2>C\u00e2t cost\u0103 \u0219i c\u00e2t dureaz\u0103<\/h2>\n<p>Prima PAD este fixat\u0103 prin lege \u0219i nu variaz\u0103 \u00een func\u021bie de asigur\u0103tor:<\/p>\n<ul>\n<li><strong>20,41 EUR\/an<\/strong> pentru locuin\u021be de tip A (beton, c\u0103r\u0103mid\u0103 sau materiale asimilate)<\/li>\n<li><strong>10,20 EUR\/an<\/strong> pentru locuin\u021be de tip B (lemn, paiant\u0103 sau alte materiale neconsolidate)<\/li>\n<\/ul>\n<p>Poli\u021ba PAD se emite pe <strong>1 an calendaristic<\/strong> \u0219i trebuie re\u00eennoit\u0103 \u00eenainte de data expir\u0103rii. Nu exist\u0103 perioad\u0103 de gra\u021bie oficial\u0103 \u2014 din ziua expir\u0103rii, locuin\u021ba nu mai este acoperit\u0103.<\/p>\n<p>Conversia din EUR \u00een lei se face la cursul BNR din ziua pl\u0103\u021bii, deci suma \u00een lei poate varia u\u0219or de la un an la altul.<\/p>\n<h2>Cum ob\u021bii PAD-ul corect<\/h2>\n<p>PAD-ul poate fi cump\u0103rat de la orice asigur\u0103tor autorizat de ASF sau prin intermediul unui broker de asigur\u0103ri. Documentele necesare sunt minime:<\/p>\n<ul>\n<li><strong>Actul de proprietate<\/strong> al locuin\u021bei (extras de carte funciar\u0103 sau contract de v\u00e2nzare-cump\u0103rare)<\/li>\n<li><strong>Actul t\u0103u de identitate<\/strong><\/li>\n<li><strong>Adresa exact\u0103 a imobilului<\/strong> \u0219i tipul constructiv (A sau B)<\/li>\n<\/ul>\n<p>Procesul dureaz\u0103 de obicei c\u00e2teva minute dac\u0103 ai actele la \u00eendem\u00e2n\u0103. Poli\u021ba poate fi emis\u0103 \u0219i online, prin broker sau direct de la asigur\u0103tor \u2014 f\u0103r\u0103 deplasare.<\/p>\n<p><strong>Aten\u021bie la clasificarea tipului de locuin\u021b\u0103:<\/strong> dac\u0103 declari tip B \u00een loc de tip A (sau invers), poli\u021ba poate fi contestat\u0103 la momentul daunei. Un broker verific\u0103 asta pentru tine \u0219i te asigur\u0103 c\u0103 poli\u021ba e emis\u0103 corect.<\/p>\n<p>Dac\u0103 ai mai multe locuin\u021be (apartament la ora\u0219 plus cas\u0103 la \u021bar\u0103, de exemplu), fiecare imobil necesit\u0103 propriul PAD separat.<\/p>\n<h2>Concluzie<\/h2>\n<p>PAD-ul cost\u0103 pu\u021bin \u0219i se ob\u021bine rapid \u2014 nu are sens s\u0103 r\u0103m\u00e2i f\u0103r\u0103 el \u0219i s\u0103 ri\u0219ti amenda sau s\u0103 fii neacoperit \u00een caz de dezastru natural. Cu c\u00e2teva minute \u0219i actele la \u00eendem\u00e2n\u0103, e\u0219ti protejat pentru un an \u00eentreg.<\/p>\n<p>Vrei s\u0103 \u00ee\u021bi facem PAD-ul rapid, corect clasificat, f\u0103r\u0103 b\u0103t\u0103i de cap? Scrie-ne pe <strong>WhatsApp<\/strong> la [0748 976 933](https:\/\/wa.me\/40748976933), pe email la [birou@surduasigurari.ro](mailto:birou@surduasigurari.ro) sau intr\u0103 pe [surduasigurari.ro](https:\/\/surduasigurari.ro). Emiterea dureaz\u0103 c\u00e2teva minute.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tot ce trebuie s\u0103 \u0219tii despre PAD \u00een 2026: c\u00e2t e amenda f\u0103r\u0103 poli\u021b\u0103, c\u00e2nd expir\u0103, unde o cumperi \u0219i ce acte ai nevoie.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-28","post","type-post","status-publish","format-standard","hentry","category-asigurari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PAD obligatoriu 2026: amenzi actualizate, termene \u0219i cum \u00eel ob\u021bii corect - Surdu Asigur\u0103ri<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/surduasigurari.ro\/news\/pad-obligatoriu-2026-amenzi-actualizate-termene-si-cum-il-ob\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PAD obligatoriu 2026: amenzi actualizate, termene \u0219i cum \u00eel ob\u021bii corect - 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