{"id":3554,"date":"2024-10-29T08:22:00","date_gmt":"2024-10-29T08:22:00","guid":{"rendered":"https:\/\/www.lifescienceart.com\/?p=3554"},"modified":"2024-10-29T08:22:01","modified_gmt":"2024-10-29T08:22:01","slug":"climate-change-and-the-insurance-industry","status":"publish","type":"post","link":"https:\/\/www.lifescienceart.com\/tr\/science\/climate-science\/climate-change-and-the-insurance-industry\/","title":{"rendered":"\u0130klim De\u011fi\u015fikli\u011fi: Sigorta Sekt\u00f6r\u00fc \u0130\u00e7in Bir Oyun De\u011fi\u015ftirici"},"content":{"rendered":"

\u0130klim De\u011fi\u015fikli\u011fi ve Sigorta Sekt\u00f6r\u00fc<\/h2>\n\n

\u0130klim De\u011fi\u015fikli\u011fi: Sigorta \u015eirketleri \u0130\u00e7in Bir Oyun De\u011fi\u015ftirici<\/h2>\n\n

\u0130klim de\u011fi\u015fikli\u011finin neden oldu\u011fu a\u015f\u0131r\u0131 hava olaylar\u0131n\u0131n artan s\u0131kl\u0131\u011f\u0131 ve yo\u011funlu\u011fu, sigorta \u015firketlerini risk de\u011ferlendirme modelleri ve stratejilerini yeniden d\u00fc\u015f\u00fcnmeye zorluyor.<\/p>\n\n

\u0130stasyoneriyet D\u0131\u015f\u0131 Olma Zorlu\u011fu<\/h2>\n\n

Geleneksel olarak sigorta \u015firketleri, felaket olaylar\u0131n\u0131n olas\u0131l\u0131\u011f\u0131n\u0131 hesaplamak i\u00e7in ge\u00e7mi\u015f verilere g\u00fcvenmi\u015ftir. Ancak iklim de\u011fi\u015fikli\u011fi, ge\u00e7mi\u015f ortalamalar\u0131n art\u0131k gelecekteki risklerin g\u00fcvenilir g\u00f6stergeleri olmad\u0131\u011f\u0131 i\u00e7in yeni bir belirsizlik seviyesi getirmi\u015ftir.<\/p>\n\n

Sigorta sekt\u00f6r\u00fc ara\u015ft\u0131rma grubu olan Cenevre Birli\u011fi’nin bir raporunda, “Okyanuslar\u0131n \u0131s\u0131nmas\u0131n\u0131n neden oldu\u011fu istasyoneriyet d\u0131\u015f\u0131 ortamda, geleneksel yakla\u015f\u0131mlar… g\u00fcn\u00fcm\u00fcz\u00fcn tehlike olas\u0131l\u0131klar\u0131n\u0131 tahmin etmede giderek ba\u015far\u0131s\u0131z oluyor” ifadelerine yer verildi.<\/p>\n\n

Tahmine Dayal\u0131 Risk De\u011ferlendirmesine \u0130htiya\u00e7<\/h2>\n\n

Bu g\u00fc\u00e7l\u00fc\u011f\u00fc \u00e7\u00f6zmek i\u00e7in sigorta \u015firketleri, iklim de\u011fi\u015fikli\u011fi tahminlerini i\u00e7eren \u00f6ng\u00f6r\u00fcc\u00fc risk de\u011ferlendirme y\u00f6ntemlerine ge\u00e7i\u015f yap\u0131yor. Bu, binlerce a\u015f\u0131r\u0131 hava senaryosunu sim\u00fcle etmek ve en k\u00f6t\u00fc durum sonu\u00e7lar\u0131n\u0131 belirlemek i\u00e7in bilgisayar modelleri kullan\u0131lmas\u0131n\u0131 i\u00e7erir.<\/p>\n\n

Risk Management Solutions (RMS)’un ba\u015f bilim insan\u0131 Robert Muir-Wood, “A\u015f\u0131r\u0131 olaylar\u0131n t\u00fcm yelpazesini yakalamak i\u00e7in modellememizi s\u00fcrekli geli\u015ftirmeye \u00e7al\u0131\u015f\u0131yoruz” diyor.<\/p>\n\n

Sigorta Riskleri \u00dczerindeki Belirli Etkiler<\/h2>\n\n

\u0130klim de\u011fi\u015fikli\u011finin sigorta riskleri \u00fczerindeki etkileri olay t\u00fcr\u00fcne ve konuma g\u00f6re de\u011fi\u015fmektedir.<\/p>\n\n

Kas\u0131rgalar:<\/strong> RMS’deki Muir-Wood’un ekibi, iklim de\u011fi\u015fikli\u011fi nedeniyle Atlantik kas\u0131rgalar\u0131n\u0131n s\u0131kl\u0131\u011f\u0131n\u0131n artt\u0131\u011f\u0131n\u0131 tespit etti. Bu, k\u0131y\u0131 m\u00fclkler i\u00e7in daha y\u00fcksek sigorta primlerine yol a\u00e7t\u0131.<\/p>\n\n

Seller:<\/strong> Boulder, Colorado’daki son sel gibi a\u015f\u0131r\u0131 ya\u011f\u0131\u015f olaylar\u0131 da daha s\u0131k ve \u015fiddetli hale geliyor. Sigorta \u015firketleri, bu de\u011fi\u015fiklikleri hesaba katmak i\u00e7in modellerini ayarl\u0131yor ve bu da belirli b\u00f6lgelerde daha y\u00fcksek sel sigortas\u0131 oranlar\u0131na yol a\u00e7abilir.<\/p>\n\n

Orman Yang\u0131nlar\u0131:<\/strong> \u0130klim de\u011fi\u015fikli\u011fi, orman yang\u0131nlar\u0131n\u0131n s\u0131kl\u0131\u011f\u0131n\u0131n ve yo\u011funlu\u011funun artmas\u0131na da katk\u0131da bulunuyor. Bu durum, yang\u0131na meyilli b\u00f6lgelerdeki m\u00fclkler i\u00e7in sigortan\u0131n mevcudiyeti ve kar\u015f\u0131lanabilirli\u011fi konusunda endi\u015felere yol a\u00e7t\u0131.<\/p>\n\n

\u0130klim De\u011fi\u015fikli\u011finin Potansiyel Faydalar\u0131<\/h2>\n\n

\u0130klim de\u011fi\u015fikli\u011fi sigorta sekt\u00f6r\u00fc i\u00e7in \u00f6nemli zorluklar olu\u015ftururken, baz\u0131 beklenmedik faydalara da yol a\u00e7abilir. \u00d6rne\u011fin, kan\u0131tlar, Britanya’da kar erimesinden kaynaklanan bahar sellerinin gelecekte daha az s\u0131kl\u0131kla meydana gelebilece\u011fini ve bu b\u00f6lgelerdeki sigorta taleplerini azaltabilece\u011fini g\u00f6steriyor.<\/p>\n\n

Sigorta Sekt\u00f6r\u00fc Uyarlamalar\u0131<\/h2>\n\n

\u0130klim de\u011fi\u015fikli\u011fiyle ili\u015fkili riskleri azaltmak i\u00e7in sigorta \u015firketleri, a\u015fa\u011f\u0131dakiler de dahil olmak \u00fczere \u00e7e\u015fitli stratejiler uygulamaktad\u0131r:<\/p>\n\n

    \n
  • Risk modellerinin ayarlanmas\u0131:<\/strong> A\u015f\u0131r\u0131 hava olaylar\u0131n\u0131n olas\u0131l\u0131\u011f\u0131n\u0131 ve \u015fiddetini daha do\u011fru tahmin etmek i\u00e7in risk de\u011ferlendirme modellerine iklim de\u011fi\u015fikli\u011fi tahminlerini dahil etme.<\/li>\n
  • Sermaye rezervlerinin art\u0131r\u0131lmas\u0131:<\/strong> Potansiyel kay\u0131plar\u0131 kar\u015f\u0131layacak yeterli fona sahip olduklar\u0131ndan emin olmak i\u00e7in finansal rezervlerini art\u0131rma.<\/li>\n
  • Risk azalt\u0131m\u0131n\u0131n te\u015fvik edilmesi:<\/strong> Sigortal\u0131larla birlikte sel bariyerleri veya yang\u0131na dayan\u0131kl\u0131 malzemeler takmak gibi iklimle ilgili risklere maruz kalmalar\u0131n\u0131 azaltmak i\u00e7in \u00e7al\u0131\u015fma.<\/li>\n<\/ul>\n\n

    Ki\u015fisel Etkiler<\/h2>\n\n

    \u0130klim de\u011fi\u015fikli\u011finin sigorta primleri ve teminat\u0131 \u00fczerindeki etkileri, ev sahipleri ve i\u015fletmeler i\u00e7in sonu\u00e7lar do\u011furmaktad\u0131r.<\/p>\n\n

    Muir-Wood, artan f\u0131rt\u0131na s\u0131kl\u0131\u011f\u0131n\u0131 ve y\u00fckselen deniz seviyelerini gerek\u00e7e g\u00f6stererek, “Ben \u015fahsen art\u0131k sahil kenar\u0131ndaki m\u00fclklere yat\u0131r\u0131m yapmam” diye tavsiyede bulunuyor.<\/p>\n\n

    Bireyler, m\u00fclk sahibi olma ve sigorta kapsam\u0131 hakk\u0131nda karar verirken iklim de\u011fi\u015fikli\u011fiyle ili\u015fkili potansiyel riskleri ve maliyetleri dikkatlice g\u00f6z \u00f6n\u00fcnde bulundurmal\u0131d\u0131r.<\/p>","protected":false},"excerpt":{"rendered":"

    \u0130klim De\u011fi\u015fikli\u011fi ve Sigorta Sekt\u00f6r\u00fc \u0130klim De\u011fi\u015fikli\u011fi: Sigorta \u015eirketleri \u0130\u00e7in Bir Oyun De\u011fi\u015ftirici \u0130klim de\u011fi\u015fikli\u011finin neden oldu\u011fu a\u015f\u0131r\u0131 hava olaylar\u0131n\u0131n artan s\u0131kl\u0131\u011f\u0131 ve yo\u011funlu\u011fu, sigorta \u015firketlerini risk de\u011ferlendirme modelleri ve…<\/p>\n","protected":false},"author":2,"featured_media":24739,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[284],"tags":[3066,34,6739,6741,6740],"class_list":["post-3554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-climate-science","tag-extreme-weather","tag-climate-change","tag-insurance-industry","tag-predictive-modeling","tag-risk-assessment"],"_links":{"self":[{"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/posts\/3554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/comments?post=3554"}],"version-history":[{"count":2,"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/posts\/3554\/revisions"}],"predecessor-version":[{"id":24740,"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/posts\/3554\/revisions\/24740"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/media\/24739"}],"wp:attachment":[{"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/media?parent=3554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/categories?post=3554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/tr\/wp-json\/wp\/v2\/tags?post=3554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}