Transcript Lysbilde 1

Private – public – project:
Can insurance data help preventing natural
catastrophes and urban flooding damage?
Mia Ebeltoft,
Project manager
Background
• Heavy increase in “water related” damages and insurance claims
– Old pipes and more heavy rain (a well known problem all over Europe)
• Frustrated (and angry) customers
• The Municipalities (Water services) doesn’t have the data, so very
low knowledge about “vulnerable” areas are
• M are asking for the data (which the companies individually have
said no, due to data protection)
• Insurance have to pick up the bill
•
Many law processes - conflict between municipalities and insurance - negative focus in media
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5,000
Total "water" damages incl urban flooding
vs land flooding and other natural perils
4,500
4,000
Total water
damage
Land flooding
Damages - mill NOK
3,500
3,000
2,500
2,000
1,500
1,000
500
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Findings from a pilot project:
Using insurance claims data to strengthen municipalities’
efforts to prevent climate-related natural hazards
Collaboration project between Finance Norway
Western Norway Research Institute
Norwegian University of Science and Technology
What ”kicked off ” the project?
 In order to improve adaptation, and to be able to prioritize, and to take the
right, optimal decisions, you need to understand what is at risk and where
are the “risk zones” (vulnerable areas).
 The report NOU2010:10 recommended to (and by that challenges the
insurance industry):
 ”Establish a database for public use and research using aggregate, anonymised
data on climate-related damage from the insurance companies and the Norwegian
Natural Perils Pool”».
First public - private - partnership
pilot project
•
Financed by Finance Norway and the Ministry of
Climate and Environment (through the “Cities of
the Future” program)
•
Red: Ten pilot municipalities (M)
•
Orange: ”Extra/reserve- municipalities” in case
some of the ten pilot M pulled out (= collected
insurance data also for these M)
•
Research partners:
–
•
Western Norway Research Institute, and the Norwegian University
of Science and Technology (NTNU)
Project period: Sept 2013 to Febr 2015
Main goals
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Strengthen municipalities’ knowledge base for preventing water-related
natural hazards
– New knowledge of where (water-related) injuries actually take place, which can
strengthen the knowledge base for area planning and prioritize to
operation/investment/planning for municipalities’ water and sewerage installations
– Could potentially also add value in terms of climate change, in the sense that adapting
to today’s climate is halfway to adapting to future climate,
– Claims could help to secure an early warning system for changes in climate
•
Secure and preserve an insurance system against nature- and water-based
hazards
– If the amount of damages continue to grow this could lead to generally higher
premiums, differentiated premiums and more recourses
•
Strengthen trust between insurance companies and municipalities.
–
Today the law is unclear and they fight over liability in the courts
Project activities
Insurance
companies
Injury
claims
SkadeSkadedata
data
Skadedata
data
Finance Norway
Collect
data
WNRI/NTNU
Transfer
data
Import
data
Municipalities
Analyse
data
Use data
Sources and type of data
• Collected claims data from 8 companies (covers approx 90
pre cent of the market)
• Type of data:
– Down to house no / clams address
• “natcat”- claims (storm, river flooding, landslides...).
• Storm water and back flow damages
• Plus other “water – damages”
The main conclusion
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Generally
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–
–
–
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Basis for better collaboration with the insurance sector
Basis for better collaboration within the municipalities (planning og technical)
New insights into risks previously unknown
Improved understanding of how climate change affects society
Land-use planning
–
–
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Improved knowledge base for localization of future development areas in order to select the areas
with the lowest possible risk of natural hazards
Improved knowledge base for the prioritization of security measures
Construction and maintenance of water and sanitation
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–
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Improved knowledge base for prioritizing management, maintenance, rehabilitation, and
reinvestment
Improved knowledge base for collaboration between municipal water/sanitation and planning units
Public infrastructure
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Stronger knowledge base for prioritizing security measures
Preparedness
–
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Improved knowledge base for risk and vulnerability analyses
Challenge:
improve insurance claim data
The quality of the natural hazards data need to be improved, especially in two
areas:
•
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Information about when the damages occurred, as opposed to the time
when the damages form was filled in.
More accurate information on where damages occurred: The damages must
be related to an actual address or stated in the form of GPS coordinates.
(Will be “solved” as new public “house numbers” are being used.)
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And the cause if possible
•
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Questions that need to be discussed
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What´s next?
• These data are the most concrete the insurance industry have
to ”offer” in adaptation messures; to make the society more
robust and sustainable
• Use of data should be part of the discussion in SUS NL
• It should be part of the chart template
• Insurance industry in France and Norway (and others?) are
already working towards others who see the need/are working
with of data sharing:
– UNEP FI PSI (Geneva)
– Disaster Risk Reduction program (UN), herunder
– European Forum for Disaster Risk Reduction (EFDRR)
http://www.unisdr.org/we/inform/events/35805
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