Design and implementation of a collective disaster risk transfer instrument for the insurance coverage of low-income homeowners by cross-subsidies in Manizales, Colombia : technical report
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Date
2009
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Universidad Nacional de Colombia, Manizales, CO
Abstract
Risk metrics can calculate property values allowing for prediction of disaster losses as well as insurance premium payments. Manizales has detailed seismic micro zonation (the process of subdividing a potential seismic or earthquake prone area into zones). This detailed report reviews the methodology and design of a “collective risk transfer instrument” to cover the damage and losses of poor homeowners by cross subsidies and to promote an insurance-positive culture. This tool will help city administration access key resources for poor people, disaster recovery, and improvement of disaster risk management at a local level.
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Some text in Spanish
Copublicado por Universitat Politécnica de Catalunya
Copublicado por Universitat Politécnica de Catalunya
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IDRC Final Report
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Keywords
COLOMBIA, DISASTER RISK MANAGEMENT, INSURANCE, HOUSEHOLD VULNERABILITY, EARTHQUAKES, SUBSIDIES, PRIVATE OWNERSHIP, ENGINEERING DESIGN, NATURAL DISASTERS, DATABASES, MATHEMATICAL MODELS, SOUTH AMERICA, RISK MANAGEMENT