Untangling insurance, rebuilding, and wellbeing in bushfire recovery
Untangling insurance, rebuilding, and wellbeing in bushfire recovery
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解决丛林大火恢复过程中的保险、重建和福祉问题
DOI：
10.1111/1745-5871.12451
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发表时间：
2020
影响因子：
3.3
通讯作者：
E. D. Vet
中科院分区：
文献类型：
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作者：
Christine Eriksen;E. D. Vet
家庭和财产保险是澳大利亚国家抗灾战略的关键。尽管人们认识到经济赔偿的重要性，但当灾难发生时，它促进短期和长期日常家庭恢复的方式具有模糊性。针对这种模糊性，本文探讨了保险如何影响家庭的能力，重建和恢复后，灾难性的火灾。对新南威尔士州蓝山居民进行的深入采访显示，保险是恢复的基础。迅速的索赔处理和支付使参与者能够获得租赁住宿，物质必需品和足够的资金来修复，重建和重新装修他们的房屋-恢复日常生活和正常感的必需品。然而，许多人保险不足，并使用替代战略来扩大“足够”的保险范围，这具有实际和情感上的影响。重要的是，虽然保险减少了灾后压力和创伤，但恢复的长度和深度更密切地取决于个人和情境环境的影响，而不是保险。在此基础上，分析得出的结论是，虽然保险是抗灾能力的重要工具，但需要更大程度的心理社会支持来改善家庭的短期和长期恢复。
Home and contents insurance is framed as key to Australia's national strategy for disaster resilience. Despite the perceived importance of financial indemnity, ambiguity characterises the ways in which it facilitates both short‐ and long‐term everyday household recovery when disaster strikes. Addressing such ambiguity, this article explores how insurance impacts upon households' capacities to rebuild and recover after disastrous bushfire. In‐depth interviews conducted with residents in the Blue Mountains of New South Wales four years after they were affected by the October 2013 bushfires show that insurance was fundamental to recovery. Swift claims handling and payouts allowed participants to access rental accommodation, material necessities, and sufficient finances to repair, rebuild, and refurnish their houses—essentials in restoring everyday routines and a sense of normalcy. Yet, many people were underinsured and used alternative strategies to stretch “adequate” insurance coverage, which had practical and emotional implications. Importantly, while insurance reduced post‐disaster stress and trauma, the length and depth of recovery were more closely determined by the impacts of personal and situational circumstances than by insurance. On that basis, analysis points to the conclusion that while insurance is a crucial tool for disaster resilience, greater levels of psychosocial support are needed to improve households' short‐ and longer‐term recovery.