Insurance And Natural Disasters
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Author | : Richard J. Roth, Sr. |
Publisher | : Joseph Henry Press |
Total Pages | : 319 |
Release | : 1998-08-09 |
Genre | : Science |
ISBN | : 0309063612 |
This book considers the effectiveness of insurance coverage for low-probability, high-consequence events such as natural disastersâ€"and how insurance programs can successfully be used with other policy tools, such as building codes and standards, to encourage effective loss reduction measures. The authors discuss the reasons for the dramatic increase in insured losses from natural disasters since 1989 and the concern that insurers have about their ability to provide coverage against more such events in the future. It addresses why there has been an increasing demand for hazards insurance, what types of coverage private insurers are willing to offer, and the role of reinsurance and private-/public-sector initiatives at the state and federal levels for providing protection to victims of natural disasters. Detailed case studies of the challenges facing Florida in the wake of Hurricane Andrew in 1992 and California following the Northridge earthquake in 1994 reveal the challenges facing the insurance industry as well as other concerned stakeholders. The National Flood Insurance Program illustrates how a public-/private-sector partnership can mitigate damages and provide financial protection to victims. The book identifies new initiatives for reducing future losses and providing funds for recovery through cooperation by the relevant parties.
Author | : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance |
Publisher | : |
Total Pages | : 470 |
Release | : 1994 |
Genre | : Business & Economics |
ISBN | : |
Author | : Australia. National Disaster Insurance Review |
Publisher | : |
Total Pages | : 149 |
Release | : 2011 |
Genre | : Disaster insurance |
ISBN | : 9780642747396 |
"Following the series of storms, floods and cyclones that affected many parts of Queensland and some parts of Victoria in late 2010 and early 2011, the Assistant Treasurer, the Hon Bill Shorten MP, announced on 4 March 2011 the Natural Disaster Insurance Review (the Review) ... It was the absence of flood insurance for many policyholders, particularly in Brisbane and Ipswich, that was the primary stimulus for the Review ... The fact that all home insurance policies cover storm damage including related water damage but many do not cover flood damage, which distinction is seen as arcane and artificial by many, led to a community backlash against insurers during 2011 and considerable distress, financial loss and disillusionment for many insured homeowners. Hence the theme of the Review, arising from the flood coverage problem and the full Terms of Reference of the Review, is the availability and affordability of insurance offered by the private insurance market, with particular reference to flood but also including other natural disasters."--Executive Summary.
Author | : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity |
Publisher | : |
Total Pages | : 64 |
Release | : 1999 |
Genre | : Disaster insurance |
ISBN | : |
Author | : OECD |
Publisher | : OECD Publishing |
Total Pages | : 315 |
Release | : 2008-09-05 |
Genre | : |
ISBN | : 9264041516 |
Contains three reports focusing on different institutional approaches to the financial management of large-scale catastrophes, the role of risk mitigation and insurance in reducing the impact of natural disasters, and the importance of strategic leadership in the management of crises.
Author | : |
Publisher | : |
Total Pages | : 120 |
Release | : 2008 |
Genre | : Business & Economics |
ISBN | : |
In recent years, much attention has been focused on the roles that the private sector and federal government play in providing insurance and financial aid before and after catastrophic events. In this context, the authors examined (1) the rationale for and resources of federal and state programs that provide natural catastrophe insurance; (2) the extent to which Americans living in catastrophe-prone areas of the United States are uninsured and underinsured, and the types and amounts of federal payments to such individuals since the 2005 hurricanes; and (3) public policy options for revising the federal role in natural catastrophe insurance markets.
Author | : David Torregrosa |
Publisher | : DIANE Publishing |
Total Pages | : 62 |
Release | : 2002 |
Genre | : Disaster insurance |
ISBN | : 1428960880 |
Author | : United States. Congress. Senate. Committee on Commerce, Science, and Transportation |
Publisher | : |
Total Pages | : 104 |
Release | : 1995 |
Genre | : Business & Economics |
ISBN | : |
Author | : OECD |
Publisher | : OECD Publishing |
Total Pages | : 424 |
Release | : 2005-07-06 |
Genre | : |
ISBN | : 9264009957 |
These conference proceedings present academic analysis, country reports, and financial/insurance company assessments on how to handle losses caused by large-scale catastrophes including terrorism and atmospheric perils.
Author | : National Research Council |
Publisher | : National Academies Press |
Total Pages | : 80 |
Release | : 1999-05-06 |
Genre | : Science |
ISBN | : 0309063949 |
We in the United States have almost come to accept natural disasters as part of our nation's social fabric. News of property damage, economic and social disruption, and injuries follow earthquakes, fires, floods and hurricanes. Surprisingly, however, the total losses that follow these natural disasters are not consistently calculated. We have no formal system in either the public or private sector for compiling this information. The National Academies recommends what types of data should be assembled and tracked.