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Title:
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Aseguramiento colectivo voluntario en Manizales: evaluación del riesgo sísmico con fines de transferencia
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Author:
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Marulanda Fraume, Mabel Cristina; Cardona Arboleda, Omar Dario; Mora Cuevas, Miguel; González, Diana M.; Barbat Barbat, Horia Alejandro
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Other authors:
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Universitat Politècnica de Catalunya. Departament de Resistència de Materials i Estructures a l'Enginyeria; Universitat Politècnica de Catalunya. RMEE - Grup de Resistència de Materials i Estructures en l'Enginyeria |
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Abstract:
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Understanding and evaluating disaster risk due to natural hazard events such as earthquakes creates powerful incentives for countries to develop planning options and tools to reduce potential damages. The use of models for earthquake risk evaluation allows obtaining outputs such as the loss exceedance curve, the expected annual loss and the probable maximum loss, which are probabilistic metrics useful for risk analyses, for designing strategies for risk reduction and mitigation, for emergency response strategies and for risk financing. This article presents, based on probabilistic risk models, the design and implementation of a risk transfer instrument to cover the private buildings of the city of Manizales, Colombia. This voluntary collective instrument provides financial protection to both, the estate-tax payers and the low-income homeowners through a cross subsidy strategy; besides, it promotes not only the insurance culture but also the solidarity of the community. The city administration and the insurance industry are promoting this program using the mechanism of the property-tax payment. This collective insurance helps the government to access key resources for low-income householders recovery and improve disaster risk management at local level. In the framework of the Manizales’ Integrated Disaster Risk Management Program, GIRD-M, developed by the National University of Colombia at Manizales and COPOCALDAS, new seismic risk assessment and new design of the innovative financial protection instrument to cope with earthquakes have been done. |
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Subject(s):
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-Àrees temàtiques de la UPC::Enginyeria civil::Geotècnia::Sismologia
-Earthquake hazard analysis
-Riesgo sísmico
-seguros
-transferencia del riesgo
-prima de riesgo
-estrategia de subsidio cruzado
-seismic risk
-insurance
-risk transfer
-risk premium
-cross-subsidy strategy
-Risc sísmic |
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Rights:
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Document type:
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Article - Published version
Conference Object |
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Published by:
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Ediciones Uniandes
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