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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 : 800 pages File Size : 43,5 Mb Release : 1980 Category : Buildings ISBN : STANFORD:36105045158958
Earthquake Insurance Availability by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development Pdf
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.
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 : 53,6 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
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.
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.
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.
Paying the Price by Richard J. Roth, Sr.,Howard Kunreuther Pdf
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.
Earthquake Insurance: a Public Policy Dilemma by James D. Goltz Pdf
The purpose of this report is to examine issues and problems associated with the availability and procurement of earthquake insurance from points of view of both consumers and providers. The discussion outlines the provisions of earthquake insurance policies currently available to homeowners, businesses, local governments and special districts. It examines the extent to which earthquake insurance is purchased or why it may be unattractive to consumers. The Federal role in providing or promoting earthquake insurance is reviewed. Finally, policies are recommended for the Federal Government and others in order to develop a more adequate system of coverage.
United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
Author : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity Publisher : Unknown Page : 130 pages File Size : 55,6 Mb Release : 1997 Category : Business & Economics ISBN : UVA:X005022141
Homeowners' Insurance Availability in Disaster Prone Areas by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity Pdf
Earthquakes and Earthquake Insurance by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Policy Research and Insurance Pdf
Alaska Earthquake Insurance by United States. Congress. Senate. Committee on Interior and Insular Affairs Pdf
Considers legislation to authorize retroactive Federal insurance protection to cover damages sustained from Mar. 27, 1964 earthquake disaster in south central Alaska.
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
