Analysis of Insured Losses in the Northridge Earthquake

9416425 Scawthorn这个项目是作为国家减少地震灾害计划的一部分，对1994年1月17日北岭地震的原因和影响进行调查。 这项研究将涉及分析加州保险部等机构收集的地震中保险损失数据。 对这些信息的分析将有助于更准确地确定免赔额的影响，以及建筑物震动损失与其他损失（如火灾、内陆海运和工人赔偿）的关系。 涉及统计和地理信息系统技术的分析将包括审查以下问题：损失按地理区域和土壤类型的分布情况如何？ 贫瘠的土壤在多大程度上造成了损害？ 损失按结构年龄和类型的分布情况如何？ 相对于内装物损坏和无法使用，结构损坏在总体损失中所占的比例是多少？最终的保险索赔与最初的建筑检查员对损失的估计相比如何？ ***

9416425 Scawthorn This project is being funded as part of the National Earthquake Hazards Reduction Program's investigation into the causes and effects of the January 17, 1994 Northridge earthquake. The study will involve the analysis of data collected by such organizations as the California Department of Insurance on insurance losses sustained in the earthquake. Analysis of this information will permit more accurate determination of the effects of deductibles, and of the relation of building shake loss to other losses, such as fire, inland marine, and workers compensation. Analyses involving statistical and GIS techniques will include examination of such questions as: What is the distribution of losses by geographical area, and by soil type? To what extent did poor soils play a role in damage? What is the distribution of losses by structural age and type? What is the relative contribution of structural damage to overall losses, as opposed to contents damage and loss of use? How did ultimate insurance claims compare against initial building inspector estimates of damage? ***