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首页> 外文期刊>Canadian Water Resources Journal >Public relief and insurance for residential flood losses in Canada: Current status and commentary
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Public relief and insurance for residential flood losses in Canada: Current status and commentary

机译：加拿大住宅洪水损失的公共救济和保险：现状和评论

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摘要

Flood-affected households in Canada rely on a complex arrangement of public disaster assistance and partial private insurance coverage for flood recovery. Recently, calls have been made for a review of the role of private insurance in residential flood losses; however, there are many challenges associated with the introduction of private flood insurance. Some ways to increase the viability of flood insurance include providing flood coverage for a variety of flood types, limiting coverage for very high-risk households and implementing risk-based coverage. To be effective, flood insurance will further require households, insurers and governments to participate in the reduction of flood risk. Governments and insurers should work toward a national, consistent approach to flood hazard assessment that includes assessment of a variety of flood types that affect households and supports both non-structural flood risk reduction and insurance pricing. Governments and insurers should further work to reduce the number of very high-risk households and improve the quality and accessibility of flood loss data. Furthermore, households will have to become better informed of the specifics of insurance coverage and bear a portion of flood losses through risk-based insurance pricing and conditions.
机译：加拿大受洪水影响的家庭依靠复杂的公共灾难援助安排和部分私人保险来恢复洪水。最近，有人呼吁审查私人保险在住宅洪水损失中的作用；但是，引入私人洪水保险存在许多挑战。提高洪水保险可行性的一些方法包括为各种洪水类型提供洪水覆盖，限制高风险家庭的覆盖范围以及实施基于风险的覆盖范围。为了发挥作用，洪水保险将进一步要求家庭，保险公司和政府参与降低洪水风险。各国政府和保险公司应朝着全国一致的方式进行洪水灾害评估，包括评估影响家庭并支持非结构性洪水风险降低和保险定价的各种洪水类型。政府和保险公司应进一步努力减少高风险家庭的数量，并提高洪水损失数据的质量和可访问性。此外，家庭将必须更好地了解保险范围，并通过基于风险的保险定价和条件承担一部分洪水损失。

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  • 来源
    《Canadian Water Resources Journal》 |2016年第2期|220-237|共18页
  • 作者

    Sandink Dan; Kovacs Paul; Oulahen Greg; Shrubsole Dan;

  • 作者单位

    Inst Catastroph Loss Reduct, Toronto, ON, Canada;

    Inst Catastroph Loss Reduct, Toronto, ON, Canada;

    Univ Western Ontario, Dept Geog, London, ON N6A 5C2, Canada;

    Univ Western Ontario, Dept Geog, London, ON N6A 5C2, Canada|Univ Western Ontario, Ctr Environm & Sustainabil, London, ON, Canada;

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