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Earthquake Insurance In California by Risa I. Palm Pdf
This book focuses on earthquake insurance for homeowners and their attitudes to the earthquake risk. It is based on a survey of California residents completed just a few months before the Lorna Prieta earthquake.
Earthquakes and Earthquake Insurance by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Policy Research and Insurance Pdf
This book explores the nature of the earthquake hazard and the availability of insurance and reports on a longitudinal study of homeowners in four California counties to chart their growing concern with earthquakes.
The persistent potential for large scale natural disasters has become a real concern for the Turkish government since the late 1990s, which ultimately led to the establishment of the Turkish Catastrophe Insurance Pool (TCIP). Among the main rationale of the creation of the TCIP were a grave government fiscal exposure to natural disasters and a disproportionately low level of catastrophe insurance penetration for such a disaster-prone country. Since the commencement of this program in 2000, the TCIP has provided coverage to more than 2 million households, being by far the largest insurance program in the country. In four years, the TCIP has managed to become one of the most trusted brand names in the Turkish insurance industry, and one of the largest catastrophe insurance pools in the world. Its success has also brought an international recognition, inspiring more than a dozen of countries world wide. The TCIP experience has also been a watershed for the World Bank as it has led to a rethinking of the roles of ex ante risk management relative to ex post donor support. This book presents the main technical imperatives and challenges in the development and the implementation of the TCIP and shows how a public-private partnership may be the way forward in the financing of natural disasters. If offers valuable advise and guidelines to policymakers involved in the development of catastrophe insurance programs.
Earthquake Insurance by Federal Emergency Management Agency Pdf
Earthquakes are potentially the most destructive of all natural disasters in both loss of life and property damage. Casualties and structural damage result from intense ground shaking and such secondary effects as fires, landslides, ground subsidence, and flooding from dam collapse or tsunamis. While earthquakes in the United States are commonly associated with the West Coast, particularly California, 39 states altogether face some degree of seismic risk. Seventy million people and at least nine metropolitan areas are susceptible to severe earthquakes. Nevertheless, California has been the focal point of most earthquake studies due to its high frequency of events (two thirds of all earthquakes have occurred in California), large population and extensive property development. But the high frequency of earthquakes alone does not warrant the amount of official and scientific attention these events have received. It is the rare and devastating earthquake such as the 1906 San Francisco quake and the 1964 Alaska event, both of which measured more than 8 on the Richter Scale. Earthquakes of this magnitude could be expected in the United States, and most likely in California, every 60 to 100 years and less severe but major earthquakes every 15 to 20 years (Anderson, et al., 1981). The area currently believed to be at greatest risk of a massive earthquake is the Los Angeles-San Bernardino region. An event which could exceed 8 on the Richter Scale has an estimated annual probability of occurrence of 2 to 5 percent and its likelihood of occurrence in the next 20 to 30 years is regarded as —high“. This earthquake could kill and injure between 15,000 and 69,000 persons (depending upon time of occurrence) and cause up to $17 billion in property damage (NSC/FEMA, 1980). Some studies have placed the property damage estimates as high as $50 billion (U.S. Department of Commerce, 1969). This report grew out of the City of Los Angeles Planning Partnership for which the Southern California Earthquake Preparedness Project (SCEPP) was asked to research and report on several issues pertaining to earthquake insurance. In the course of this research, it became obvious to both SCEPP and SCEPP's Policy Advisory Board that earthquake insurance and its role in the recovery process was a major policy issue. Thus, the research effort was expanded to incorporate broader issues and circulation of the report beyond the Los Angeles Planning Partnership. The report has five goals which correspond to its organization: (1) to outline the provisions (coverages, rates, deductibles, etc.) of earthquake insurance policies currently available to the major classes of insurance consumers–homeowners, businesses, local governments and special districts; (2) to determine the extent to which earthquake insurance is purchased by these parties and explore the circumstances surrounding purchase or non-purchase; (3) to review the salient issues in earthquake insurance from the standpoints of purchasers and providers; (4) to explore potential Federal roles in resolving these issues and in providing or promoting earthquake insurance; and finally, (5) to make reasonable policy recommendations involving both the Federal Government and other stakeholders in earthquake insurance toward a more adequate system of coverage.
Advances in Assessment and Modeling of Earthquake Loss by Sinan Akkar,Alper Ilki,Caglar Goksu,Mustafa Erdik Pdf
This open access book originates from an international workshop organized by Turkish Natural Catastrophe Insurance Pool (TCIP) in November 2019 that gathered renown researchers from academia, representatives of leading international reinsurance and modeling companies as well as government agencies responsible of insurance pricing in Turkey. The book includes chapters related to post-earthquake damage assessment, the state-of-art and novel earthquake loss modeling, their implementation and implication in insurance pricing at national, regional and global levels, and the role of earthquake insurance in building resilient societies and fire following earthquakes. The rich context encompassed in the book makes it a valuable tool not only for professionals and researchers dealing with earthquake loss modeling but also for practitioners in the insurance and reinsurance industry.
Earthquake Hazard Mitigation and Earthquake Insurance by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Policy Research and Insurance Pdf
United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development Publisher : Unknown Page : 734 pages File Size : 47,7 Mb Release : 1980 Category : Buildings ISBN : UCR:31210014687873
Earthquake Insurance Availability by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development Pdf
Estimation of Earthquake Losses to Buildings (except Single Family Dwellings) by Sylvester Theodore Algermissen,Karl V. Steinbrugge,H. L. Lagorio,Henry J. Lagorio Pdf
After a California Earthquake by Risa Palm,Michael E. Hodgson Pdf
Shortly before the Loma Prieta earthquake devastated areas of Northern California in 1989, Risa Palm and her associates had surveyed 2,500 homeowners in the area about their perception of risk from earthquakes. After the quake they surveyed the homeowners again and found that their perception of risk had increased but that most respondents were fatalistic and continued to ignore self-protective measures; those who personally experienced damage were more likely to buy insurance. A rare opportunity to analyze behavior change directly before and after a natural disaster, this survey has implications for policy makers, insurance officials, and those concerned with risk management.
Earthquake Protection by Andrew Coburn,Robin Spence Pdf
Since the publication of the successful first edition of Earthquake Protection there have been 110 lethal earthquakes, killing 130 000 people; there have also been significant developments in the field of earthquake risk management, particularly in the modelling and analysis of risk for insurance and financial services. Furthermore, major earthquake disasters, such as the 1994 Northridge earthquake in California, the 1995 Kobe earthquake in Japan and the 1999 Kocaeli earthquake in Turkey have occurred. The experience and knowledge gained through these events have improved our understanding of how to manage, mitigate and work towards the prevention of similar catastrophes. The 1990s were in fact the costliest decade on record in terms of disaster management due to such seismic events, placing unprecedented pressure on the insurance industry in particular, and changing its view of earthquake protection. Significantly revised and updated, this second edition continues to provide a comprehensive overview of how to reduce the impact of earthquakes on people and property, and implement best practice in managing the consequences of such disasters. It also includes significant coverage of the techniques of modelling earthquake catastrophe. Each chapter deals with a separate aspect of protection, and covers a wide range of economic and social conditions, drawing on the authors' considerable personal experience and with reference to real life examples. Key features include: Recent event coverage Modern developments in the theory and practice of planning and engineering loss estimation techniques, along with new engineering techniques such as microzonation and hazard-mapping Historic buildings experience An entirely new chapter on 'Earthquakes and Finance' This valuable book provides essential reading for earthquake and structural engineers and geoscientists, as well as insurers and loss prevention specialists, risk managers and assessors involved in managing earthquake risk, urban and regional planners, and emergency management agencies.