Enhancing homeowners' and insurance industry's risk management and preparedness for low-frequency high-consequence earthquakes in the Saint Lawrence region

加强房主和保险业的风险管理以及圣劳伦斯地区低频高后果地震的防备

• 批准号: 567023-2021
• 负责人: Goda, Katsuichiro
• 金额: $ 6.7万
• 依托单位: University of Western Ontario
• 依托单位国家: 加拿大
• 项目类别: Alliance Grants
• 财政年份: 2021
• 资助国家: 加拿大
• 起止时间: 2021-01-01 至 2022-12-31
• 项目状态: 已结题
• 来源: https://www.nserc-crsng.gc.ca/ase-oro/Details-Detailles_eng.asp?id=719482
• 关键词: Enhancing; homeowners; insurance; industry; risk

Earthquakes pose potentially substantial risks to homeowners in the region of Saint Lawrence (i.e., Ottawa-Montreal-Quebec City corridor). Many homeowners in the region have not purchased earthquake insurance for their homes, and recent surveys suggest that most Quebec homeowners are unaware that their general insurance policies do not cover earthquake damages. If a devastating earthquake were to occur in the region, homeowners would be left vulnerable, unprotected, and very frustrated. To address this important problem, a multi-institutional team (Western, McMaster, and McGill) was formed by bringing together interdisciplinary expertise and complementary skills in geology, geophysics, seismology, earthquake engineering, catastrophe modelling, and financial analysis, in strong partnership with Institute for Catastrophic Loss Reduction (ICLR). We will develop new regional earthquake risk models that can quantify the expected as well as upper-tail financial seismic risks of homeowners and the insurance industry in the Saint Lawrence region by incorporating the latest geomorphological data and geophysical modelling results and by accounting for uncertainties associated with earthquake rupture scenarios. The results from the developed risk models will be used to improve the current earthquake insurance risk policies by informing the design of a new approach that will enhance the financial preparedness of homeowners in the Saint Lawrence region. Ultimately, this Alliance partnership will promote the adoption and advancement of seismic resilience and preparedness in Canada in harmony with the UNISDR's Sendai Framework for disaster risk reduction.

地震对圣劳伦斯地区的房主构成潜在的重大风险（即，渥太华-蒙特利尔-魁北克市走廊）。该地区的许多房主没有为他们的房屋购买地震保险，最近的调查表明，大多数魁北克房主不知道他们的一般保险政策不包括地震损失。如果该地区发生毁灭性的地震，房主将变得脆弱，没有保护，并且非常沮丧。为了解决这一重要问题，一个多机构团队（西方，麦克马斯特和麦吉尔）通过汇集地质学，地球物理学，地震学，地震工程，灾难建模和金融分析方面的跨学科专业知识和互补技能，与减少灾难损失研究所（ICLR）建立了强有力的合作伙伴关系。我们将开发新的区域地震风险模型，通过结合最新的地貌数据和地球物理建模结果，并考虑与地震破裂情景相关的不确定性，可以量化圣劳伦斯地区房主和保险业的预期和上尾金融地震风险。开发的风险模型的结果将被用来改善目前的地震保险风险政策，通知设计一种新的方法，将提高在圣劳伦斯地区的房主的财务准备。最终，该联盟的伙伴关系将促进加拿大采用和推进地震复原力和备灾，与联合国减灾战略的仙台减少灾害风险框架保持一致。