This book considers the effectiveness of insurance coverage for low-probability, high-consequence events such as natural disasters--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.
- English
- ePUB (mobile friendly)
- Available on iOS & Android
eBook - ePub
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Topic
Social SciencesIndex
Social SciencesTable of contents
- COVER PAGE
- Foreword
- Preface
- Contributors
- Contents
- Chapter One Introduction
- Chapter Two Insurability Conditions and the Supply of Coverage
- Chapter Three Demand for Disaster Insurance: Residential Coverage
- Chapter Four Earthquake Insurance Protection in California
- Chapter Five Hurricane Insurance Protection in Florida
- Chapter Six The National Flood Insurance Program
- Chapter Seven Mitigation and Insurance
- Chapter Eight Regulation and Catastrophe Insurance
- Chapter Nine A Program for Reducing Disaster Losses Through Insurance
- Appendix A Commercial Insurance
- Appendix B Evaluating Models of Risks from Natural Hazards
- Appendix C Book Links to the World Wide Web
- Glossary 1
- Bibliography
- Index
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