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Earthquake Insurance and Disaster Assistance
- The Effect of Catastrophe Obligation Guarantees on Federal Disaster-Assistance Expenditures in California
Af: Christina Steiner, Noreen Clancy, James N. Dertouzos, Tom LaTourrette
Engelsk
Bogcover for Earthquake Insurance and Disaster Assistance af Christina Steiner, Noreen Clancy, James N. Dertouzos, Tom LaTourrette, 9780833050953
Specifikationer
Sprog:
Engelsk
Sider:
42
ISBN-13:
9780833050953
Indbinding:
Paperback
ISBN-10:
0833050958
Kategori:
Udg. Dato:
16 jan 2011
Størrelse i cm:
28,3 x 21,7 x 0,2
Forlag:
Oplagsdato:
16 jan 2011
Forfatter(e):
Genre:

Earthquake Insurance and Disaster Assistance

- The Effect of Catastrophe Obligation Guarantees on Federal Disaster-Assistance Expenditures in California
Af: Christina Steiner, Noreen Clancy, James N. Dertouzos, Tom LaTourrette
Engelsk
Format:
Bog beskrivelse
In an effort to increase the availability and affordability of insurance for catastrophic events, the Catastrophe Obligation Guarantee Act was introduced in Congress in 2009. One of the arguments in support of this provision is that it lowers insurer costs, which lowers premium rates, increases the number of residents who buy catastrophe insurance, decreases the uninsured loss in disasters, and, ultimately, decreases federal disaster-assistance spending. The California Earthquake Authority, a state-managed catastrophe-insurance program that would qualify for the loan guarantees, sought an estimate of the potential magnitude of this effect for earthquakes in California. As part of the analysis, the report examines the price elasticity for earthquake insurance and relationships between earthquake-insurance coverage and loss compensation. We find that catastrophe obligation guarantees would reduce federal disaster-assistance costs by $3 million to $7 million for every $10 billion in total earthquake loss. Our findings show that changes in insurance coverage would have to be dramatic to have an appreciable impact on uninsured loss and disaster assistance. This result suggests that other avenues for increasing earthquake-insurance coverage, including offeringnew earthquake-insurance products that provide more-attractive options for consumers, might warrant consideration.
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Specifikationer
Sprog:
Engelsk
Sider:
42
ISBN-13:
9780833050953
Indbinding:
Paperback
ISBN-10:
0833050958
Kategori:
Udg. Dato:
16 jan 2011
Størrelse i cm:
28,3 x 21,7 x 0,2
Forlag:
Oplagsdato:
16 jan 2011
Forfatter(e):
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