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首页> 外文期刊>Journal of Civil Engineering and Science >Basic Residential Earthquake Insurance and Criteria of Total Loss Claims for Reinforced Concrete Structures
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Basic Residential Earthquake Insurance and Criteria of Total Loss Claims for Reinforced Concrete Structures

机译：住宅基本地震保险和钢筋混凝土结构的全损索赔标准

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摘要

A basic earthquake insurance policy associated with total loss coverage has been implemented in Taiwan to transfer risk caused by devastating earthquake. Acceptance of such an insurance claim depends on two criteria. One is that a building is identified as uninhabitable and required rebuilding. The other is that the repair to replacement cost ratio of a building exceeds 50%. Whether the first criterion is met or not depends on the building damage state which can be determined through a damage rating system based on post-earthquake damage inspection on structural components and system. However, the second criterion has not been implemented for an adjuster to follow without detail financial loss estimation by specialized engineers. Besides, there is no reference to show that these two criteria are consistent. This paper aims to link post-earthquake damage of structural components and direct financial loss for RC residential buildings based on post-earthquake damage evidence. As a result, the second acceptance criterion can be implemented. The statistical analysis shows that the two criteria are consistent in average. A new assessment procedure by incorporating criteria in terms of both damage and direct financial loss has been introduced. With this loss model, half loss coverage or partial loss coverage could be introduced into the basic earthquake insurance in this region.
机译：台湾已经实施了与全损保险相关的基本地震保险政策，以转移毁灭性地震造成的风险。接受此类保险索赔取决于两个标准。一个是建筑物被确定为不可居住且需要重建。另一个是建筑物的维修与重置成本比率超过50％。是否满足第一个标准取决于建筑物的损坏状态，可以通过基于建筑构件和系统的震后损坏检查的损坏评级系统确定建筑物的损坏状态。但是，没有由专业工程师进行详细的财务损失估计，就没有为调整者遵循第二条准则。此外，没有参考表明这两个标准是一致的。本文旨在基于震后破坏证据将结构性构件的震后破坏与钢筋混凝土住宅的直接财务损失联系起来。结果，可以实施第二验收标准。统计分析表明，这两个标准的平均值是一致的。引入了一种新的评估程序，该方法结合了损害和直接财务损失方面的标准。使用这种损失模型，可以将一半损失或部分损失覆盖率引入该地区的基本地震保险中。

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