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Hochwasser Und Dessen Versicherung in Osterreich

Hochwasser Und Dessen Versicherung in Osterreich

          
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About the Book

Der Klimawandel wird haufig mit dem Anstieg der Schaden aus Naturkatastrophen in Zusammenhang gebracht. Wahrend dies fur einige Risiken eindeutig belegt ist und dieser Beobachtung auch naturwissenschaftlich klar nachvollziehbare Wirkungen der erhohten Temperatur zugrunde liegen, ist dieser Nachweis fur das Hochwasserrisiko in Osterreich noch nicht erbracht worden. Der vorliegende Band analysiert fur diese Fragestellung erstmals samtliche historischen Daten des osterreichischen Katastrophenfonds mit versicherungsmathematischen Methoden und setzt die entsprechenden Schaden in Bezug zum uber die Jahre deutlich angestiegenen Hochwasserschadenpotential. Ausgangspunkt der Untersuchungen ist die Feststellung, dass das Risikotransfersystem, d.h. die Frage wer welche Schaden aus Naturkatastrophen in Osterreich letztlich bezahlt, verbesserungsbedurftig ist. Die Autoren haben auf diesen Umstand bereits nach dem Jahrhunderthochwasser von 2002 hingewiesen und damit vielfaltige Diskussionen, auch im Hinblick auf die notwendige Anpassung an den Klimawandel, ausgelost: Denn egal, in welche Richtung sich verschiedene Naturgefahren durch die Klimaveranderungen bewegen und bewegen werden, nur eine Gesellschaft, die Schaden rasch beheben und wirtschaftlich nachhaltige Lehren aus den Katastrophen ziehen kann, ist in der Lage, auch langfristig mit Extremwetterereignissen zu leben. Den Reformvorschlag der osterreichischen Versicherungswirtschaft, das "Modell NatKat", das diesen Anspruch einer Systemverbesserung erhebt, galt es daher kritisch auf seine Auswirkungen hin zu uberprufen. Der entsprechende Bericht an das Bundesministerium fur Finanzen wurde durch seine detaillierten Analysen und anschaulichen Darstellungen unter Federfuhrung eines Okonomen und eines Versicherungsmathematikers rasch zu einem Referenzwerk der Diskussion unter Fachleuten und einschlagigen Experten. Dieser Bericht wird nun vollinhaltlich der Offentlichkeit zuganglich gemacht und erleichtert den Zugriff darauf fur die erweiterte Fachwelt im Bereich des Naturgefahrenmanagements. Damit werden aber auch potentiell alle Steuerzahlerinnen und Hausbesitzer als Experten in diese Diskussion um eine wesentliche Entscheidung fur unsere Zukunft unter den geanderten Bedingungen des Klimawandels einbezogen: Wer tragt das Risiko und zu welchen Kosten?


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Product Details
  • ISBN-13: 9783700167532
  • Publisher: Austrian Academy of Sciences Press
  • Binding: Paperback
  • No of Pages: 163
  • Series Title: Studien Zum Klimawandel In Osterreich
  • ISBN-10: 3700167539
  • Publisher Date: 09 Nov 2009
  • Language: German
  • Returnable: N
  • Weight: 700 gr


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