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首页> 外文期刊>Canadian Water Resources Journal >Emerging trends and future pathways: A commentary on the present state and future of residential flood insurance in Canada
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Emerging trends and future pathways: A commentary on the present state and future of residential flood insurance in Canada

机译：新兴趋势和未来道路：加拿大住宅洪水保险的现状和未来评论

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摘要

Until 2015, Canada was the only G7 country where homeowners could not purchase flood insurance. Historically, when a natural disaster occurred, the federal, provincial and municipal governments were primarily responsible for compensating homeowners and rebuilding communities to pre-disaster conditions. The rising costs of extreme weather, particularly from flooding, within the last decade have placed an unexpected burden on taxpayer-funded disaster relief programs. In recent years, the insurance industry has been placed under a spotlight as a potential resource for managing the costs of flooding and as a mechanism for shifting this financial liability away from governments. This commentary: (1) outlines the conditions needed to achieve a sound flood risk management culture, and progress made in relation to these conditions; (2) identifies the current state of residential flood insurance and the challenges facing the property and casualty insurance industry; and (3) proposes changes in public policy that are needed in order to disaster-proof Canada's economy.
机译：直到2015年，加拿大是G7唯一的房主无法购买洪水保险的国家。从历史上看，当自然灾害发生时，联邦，省和市政府主要负责补偿房主并重建灾前状况的社区。在过去十年中，极端天气（尤其是洪水造成的）成本上升，给纳税人资助的救灾计划带来了意想不到的负担。近年来，保险业已成为人们关注的焦点，可以作为管理洪水成本的潜在资源，也可以作为将这种金融负债转移到政府之外的机制。本评论：（1）概述了建立健全的洪水风险管理文化所需的条件，以及与这些条件有关的进展； （2）确定住宅洪水保险的现状以及财产和意外伤害保险行业面临的挑战； （3）提出改变公共政策的要求，以使加拿大经济免受灾难的影响。

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  • 来源
    《Canadian Water Resources Journal》 |2017年第4期|307-314|共8页
  • 作者

    Calamai Lapo; Minano Andrea;

  • 作者单位

    Insurance Bur Canada, Policy Dept, Toronto, ON, Canada;

    Insurance Bur Canada, Policy Dept, Toronto, ON, Canada;

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  • 正文语种 eng
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