Insurance Systems in Times of Climate Change Insurance of Buildings
Natural disasters such as large-scale flooding are on the increase. Climate change directly affects our basis of existence. This includes residential buildings, and commercial and industrial properties. The author highlights the requirements that will hav
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Cornel Quinto
Insurance Systems in Times of Climate Change Insurance of Buildings Against Natural Hazards
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Cornel Quinto Attorney at Law, LL.M. Zurich Switzerland
ISBN 978-3-642-22434-8 e-ISBN 978-3-642-22435-5 DOI 10.1007/978-3-642-22435-5 Springer Heidelberg Dordrecht London New York Library of Congress Control Number: 2011939997 c Schulthess Juristische Medien AG, Zurich – Basel – Geneva 2011 Copyright ISBN 978-3-7255-5891-9 www.schulthess.com
Originally published in German under the title: “Versicherungssysteme in Zeiten des Klimawandels. Elementarschaden-Versicherung von Gebäuden” © Schulthess Juristische Medien AG, Zurich – Basel – Geneva 2010 Translated by Traducta SA, Lausanne Published by Springer-Verlag GmbH Berlin Heidelberg 2012 This work is subject to copyright. All rights are reserved, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilm or in any other way, and storage in data banks. Duplication of this publication or parts thereof is permitted only with permission of the copyright holder. The use of general descriptive names, registered names, trademarks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. Printed on acid-free paper Springer is part of Springer Science+Business Media (www.springer.com)
For Sabine
Preface Climate change is one of the most pressing problems in the world of today—and of the future. Almost daily television images and press releases of devastating natural disasters are ominous. What awaits us? The first chapter provides an introductory overview, of the projected consequences of climate change and the institutional framework where the struggle for solutions is taking place. Climate change affects all areas of life and strikes at the basis of our existence. This includes, last but not least, the “roof over one’s head” and the workplace infrastructure—residential buildings, commercial and industrial properties. Protecting this basis of existence is of key significance, and this is bound to increase considerably in the course of climatic change. The present book deals with systems for protecting buildings against destruction and damage as a result of climate change. What demands does climate change make on a protection system that is fit for the future? Insurance against natural hazards is at the forefront of the solution. Climate change leads to new challenges and changes that insurance against natural hazards must meet if it is still to act as insurance and to grant insurance coverage under acceptable conditions to all building owners, as far as possible. Already today, there is a multitude of existing systems for insuring buildings against natural hazards. The second chapter begins by illustrating the various types. Subsequently, the insurance systems in Germany, France, Spain, Switzerland
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