Analysis of Insured Losses in the Northridge Earthquake

这个项目是国家减少地震灾害计划的一部分，该计划是对1994年1月17日北岭地震的原因和影响进行调查的。这项研究将包括对加利福尼亚保险局等组织收集的有关地震中遭受的保险损失的数据进行分析。对这些信息的分析将使我们能够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、内陆海洋和工人赔偿）的关系。涉及统计和地理信息系统技术的分析将包括审查下列问题：按地理区域和土壤类型的损失分布情况如何？贫瘠的土壤在多大程度上造成了破坏？按构造年龄和类型，损失分布如何？相对于内容物损坏和使用损失，结构损坏对整体损失的相对贡献是什么？最终的保险索赔与最初的建筑检查员估计的损失相比如何？＊＊＊

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? ***