{"id":3554,"date":"2024-10-29T08:21:58","date_gmt":"2024-10-29T08:21:58","guid":{"rendered":"https:\/\/www.lifescienceart.com\/?p=3554"},"modified":"2024-10-29T08:21:58","modified_gmt":"2024-10-29T08:21:58","slug":"climate-change-and-the-insurance-industry","status":"publish","type":"post","link":"https:\/\/www.lifescienceart.com\/cs\/science\/climate-science\/climate-change-and-the-insurance-industry\/","title":{"rendered":"Zm\u011bna klimatu: Z\u00e1sadn\u00ed zm\u011bna pro poji\u0161\u0165ovny"},"content":{"rendered":"

Zm\u011bna klimatu a poji\u0161\u0165ovnictv\u00ed<\/h2>\n\n

Zm\u011bna klimatu: Z\u00e1sadn\u00ed zm\u011bna pro poji\u0161\u0165ovny<\/h2>\n\n

Rostouc\u00ed frekvence a intenzita extr\u00e9mn\u00edch pov\u011btrnostn\u00edch jev\u016f zp\u016fsoben\u00e1 zm\u011bnou klimatu nut\u00ed poji\u0161\u0165ovny p\u0159ehodnotit sv\u00e9 modely a strategie posuzov\u00e1n\u00ed rizik.<\/p>\n\n

V\u00fdzva nestandardn\u00edch podm\u00ednek<\/h2>\n\n

Poji\u0161\u0165ovny se tradi\u010dn\u011b spol\u00e9haly na historick\u00e1 data k v\u00fdpo\u010dtu pravd\u011bpodobnosti katastrofick\u00fdch ud\u00e1lost\u00ed. Zm\u011bna klimatu v\u0161ak p\u0159in\u00e1\u0161\u00ed novou \u00farove\u0148 nejistoty, proto\u017ee historick\u00e9 pr\u016fm\u011bry ji\u017e nejsou spolehliv\u00fdmi indik\u00e1tory budouc\u00edch rizik.<\/p>\n\n

\u201eV nestandardn\u00edm prost\u0159ed\u00ed zp\u016fsoben\u00e9m oteplov\u00e1n\u00edm oce\u00e1n\u016f tradi\u010dn\u00ed p\u0159\u00edstupy\u2026 st\u00e1le \u010dast\u011bji selh\u00e1vaj\u00ed v odhadu dne\u0161n\u00edch pravd\u011bpodobnost\u00ed nebezpe\u010d\u00ed,\u201c uv\u00e1d\u00ed se ve zpr\u00e1v\u011b Geneva Association, v\u00fdzkumn\u00e9 skupiny v poji\u0161\u0165ovnictv\u00ed.<\/p>\n\n

Pot\u0159eba prediktivn\u00edho posuzov\u00e1n\u00ed rizik<\/h2>\n\n

Aby poji\u0161\u0165ovny tuto v\u00fdzvu p\u0159ekonaly, p\u0159ech\u00e1zej\u00ed na metody prediktivn\u00edho posuzov\u00e1n\u00ed rizik, kter\u00e9 zahrnuj\u00ed projekce zm\u011bny klimatu. To zahrnuje pou\u017eit\u00ed po\u010d\u00edta\u010dov\u00fdch model\u016f k simulaci tis\u00edc\u016f sc\u00e9n\u00e1\u0159\u016f extr\u00e9mn\u00edho po\u010das\u00ed a ur\u010den\u00ed nejhor\u0161\u00edch mo\u017en\u00fdch n\u00e1sledk\u016f.<\/p>\n\n

\u201e Neust\u00e1le se sna\u017e\u00edme zlep\u0161ovat na\u0161e modelov\u00e1n\u00ed, abychom zachytili celou \u0161k\u00e1lu extr\u00e9mn\u00edch ud\u00e1lost\u00ed,\u201c \u0159\u00edk\u00e1 Robert Muir-Wood, hlavn\u00ed v\u011bdeck\u00fd pracovn\u00edk spole\u010dnosti Risk Management Solutions (RMS).<\/p>\n\n

Specifick\u00e9 dopady na pojistn\u00e1 rizika<\/h2>\n\n

Dopady zm\u011bny klimatu na pojistn\u00e1 rizika se li\u0161\u00ed v z\u00e1vislosti na typu ud\u00e1losti a lokalit\u011b.<\/p>\n\n

Hurik\u00e1ny:<\/strong> Muir-Wood\u016fv t\u00fdm v RMS zjistil, \u017ee frekvence atlantick\u00fdch hurik\u00e1n\u016f se v d\u016fsledku zm\u011bny klimatu zv\u00fd\u0161ila. To vedlo k vy\u0161\u0161\u00edm pojistn\u00fdm za pob\u0159e\u017en\u00ed nemovitosti.<\/p>\n\n

Povodn\u011b:<\/strong> Extr\u00e9mn\u00ed sr\u00e1\u017ekov\u00e9 ud\u00e1losti, jako jsou ned\u00e1vn\u00e9 z\u00e1plavy v Boulderu v Coloradu, jsou tak\u00e9 \u010dast\u011bj\u0161\u00ed a z\u00e1va\u017en\u011bj\u0161\u00ed. Poji\u0161\u0165ovny upravuj\u00ed sv\u00e9 modely, aby tyto zm\u011bny zohlednily, co\u017e by mohlo v\u00e9st k vy\u0161\u0161\u00edm pojistn\u00fdm sazb\u00e1m za povod\u0148ov\u00e9 poji\u0161t\u011bn\u00ed v ur\u010dit\u00fdch oblastech.<\/p>\n\n

Lesn\u00ed po\u017e\u00e1ry:<\/strong> Zm\u011bna klimatu tak\u00e9 p\u0159isp\u00edv\u00e1 ke zv\u00fd\u0161en\u00ed frekvence a intenzity lesn\u00edch po\u017e\u00e1r\u016f. To vyvolalo obavy ohledn\u011b dostupnosti a cenov\u00e9 dostupnosti poji\u0161t\u011bn\u00ed pro nemovitosti v oblastech n\u00e1chyln\u00fdch k po\u017e\u00e1r\u016fm.<\/p>\n\n

Potenci\u00e1ln\u00ed v\u00fdhody zm\u011bny klimatu<\/h2>\n\n

Zat\u00edmco zm\u011bna klimatu p\u0159edstavuje pro poji\u0161\u0165ovnictv\u00ed v\u00fdznamn\u00e9 v\u00fdzvy, m\u016f\u017ee v\u00e9st tak\u00e9 k n\u011bkter\u00fdm neo\u010dek\u00e1van\u00fdm v\u00fdhod\u00e1m. Nap\u0159\u00edklad d\u016fkazy nazna\u010duj\u00ed, \u017ee jarn\u00ed z\u00e1plavy zp\u016fsoben\u00e9 t\u00e1n\u00edm sn\u011bhu ve Velk\u00e9 Brit\u00e1nii by mohly b\u00fdt v budoucnu m\u00e9n\u011b \u010dast\u00e9, co\u017e by potenci\u00e1ln\u011b sn\u00ed\u017eilo pojistn\u00e9 ud\u00e1losti v t\u011bchto oblastech.<\/p>\n\n

Adaptace poji\u0161\u0165oven<\/h2>\n\n

Aby zm\u00edrnily rizika spojen\u00e1 se zm\u011bnou klimatu, poji\u0161\u0165ovny implementuj\u00ed r\u016fzn\u00e9 strategie, kter\u00e9 zahrnuj\u00ed:<\/p>\n\n

    \n
  • \u00daprava rizikov\u00fdch model\u016f:<\/strong> Za\u010dlen\u011bn\u00ed projekc\u00ed zm\u011bny klimatu do sv\u00fdch model\u016f posuzov\u00e1n\u00ed rizik pro p\u0159esn\u011bj\u0161\u00ed p\u0159edpov\u011b\u010f pravd\u011bpodobnosti a z\u00e1va\u017enosti extr\u00e9mn\u00edch pov\u011btrnostn\u00edch jev\u016f.<\/li>\n
  • Zvy\u0161ov\u00e1n\u00ed kapit\u00e1lov\u00fdch rezerv:<\/strong> Budov\u00e1n\u00ed jejich finan\u010dn\u00edch rezerv, aby m\u011bly dostatek prost\u0159edk\u016f na pokryt\u00ed potenci\u00e1ln\u00edch ztr\u00e1t.<\/li>\n
  • Podpora zm\u00edr\u0148ov\u00e1n\u00ed rizik:<\/strong> Spolupr\u00e1ce s pojistn\u00edky na sn\u00ed\u017een\u00ed jejich vystaven\u00ed rizik\u016fm souvisej\u00edc\u00edm s klimatem, jako je instalace protipovod\u0148ov\u00fdch bari\u00e9r nebo protipo\u017e\u00e1rn\u00edch materi\u00e1l\u016f.<\/li>\n<\/ul>\n\n

    Osobn\u00ed d\u016fsledky<\/h2>\n\n

    Dopady zm\u011bny klimatu na pojistn\u00e9 a pojistn\u00e9 kryt\u00ed maj\u00ed d\u016fsledky pro majitele dom\u016f a podniky.<\/p>\n\n

    \u201eOsobn\u011b bych u\u017e neinvestoval do nemovitost\u00ed u pl\u00e1\u017ee,\u201c rad\u00ed Muir-Wood s odvol\u00e1n\u00edm na rostouc\u00ed \u010detnost bou\u0159\u00ed a stoupaj\u00edc\u00ed hladinu mo\u0159e.<\/p>\n\n

    Jednotlivci by m\u011bli p\u0159i rozhodov\u00e1n\u00ed o vlastnictv\u00ed nemovitosti a pojistn\u00e9m kryt\u00ed pe\u010dliv\u011b zv\u00e1\u017eit potenci\u00e1ln\u00ed rizika a n\u00e1klady spojen\u00e9 se zm\u011bnou klimatu.<\/p>","protected":false},"excerpt":{"rendered":"

    Zm\u011bna klimatu a poji\u0161\u0165ovnictv\u00ed Zm\u011bna klimatu: Z\u00e1sadn\u00ed zm\u011bna pro poji\u0161\u0165ovny Rostouc\u00ed frekvence a intenzita extr\u00e9mn\u00edch pov\u011btrnostn\u00edch jev\u016f zp\u016fsoben\u00e1 zm\u011bnou klimatu nut\u00ed poji\u0161\u0165ovny p\u0159ehodnotit sv\u00e9 modely a strategie posuzov\u00e1n\u00ed rizik. V\u00fdzva…<\/p>\n","protected":false},"author":2,"featured_media":24748,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[284],"tags":[3066,6740,6739,6741,34],"class_list":["post-3554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-climate-science","tag-extreme-weather","tag-risk-assessment","tag-insurance-industry","tag-predictive-modeling","tag-climate-change"],"_links":{"self":[{"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/posts\/3554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/comments?post=3554"}],"version-history":[{"count":2,"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/posts\/3554\/revisions"}],"predecessor-version":[{"id":24749,"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/posts\/3554\/revisions\/24749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/media\/24748"}],"wp:attachment":[{"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/media?parent=3554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/categories?post=3554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/cs\/wp-json\/wp\/v2\/tags?post=3554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}