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dc.contributor.authorMarulanda Fraume, Mabel Cristina
dc.contributor.authorBarbat Barbat, Horia Alejandro
dc.contributor.authorCardona, Omar Darío
dc.contributor.authorMora Cuevas, Miguel
dc.contributor.otherUniversitat Politècnica de Catalunya. Departament de Resistència de Materials i Estructures a l'Enginyeria
dc.date.accessioned2014-01-09T18:13:43Z
dc.date.created2012
dc.date.issued2012
dc.identifier.citationMarulanda , M. [et al.]. Design and implementation of a collective insurance program based on cross subsidies for recovery of low income homeowners. A: World Conference on Earthquake Engineering. "15th World Conference on Earthquake Engineering". Lisboa: 2012, p. 1-10.
dc.identifier.urihttp://hdl.handle.net/2117/21203
dc.description.abstractUnderstanding disaster risk due to hazard events creates powerful incentives to develop planning options and tools to reduce and finance potential damages. This paper describes how probabilistic metrics such as the loss exceedance curve, the expected annual loss and the probable maximum loss, calculated with catastrophe risk models, are used for the designing of a risk transfer instrument to cover the private housing in Manizales, Colombia. This voluntary collective instrument promotes the insurance culture and provides financial protection not only to the estate-tax payers but also covers the low-income homeowners through a cross-subsidy strategy. This program is promoted by the city administration and the insurance industry, using the mechanism of the property-tax payment. This collective insurance helps the government to access key resources for low-income householder recovery and improve disaster risk management at local level.
dc.format.extent10 p.
dc.language.isoeng
dc.subjectÀrees temàtiques de la UPC::Enginyeria civil::Geotècnia::Sismologia
dc.subjectÀrees temàtiques de la UPC::Economia i organització d'empreses
dc.subject.lcshEarthquake hazard analysis
dc.subject.lcshInsurance trends
dc.subject.otherSeismic risk
dc.subject.otherinsurance instruments
dc.subject.othercatastrophe risk model
dc.subject.otherprobable maximum loss
dc.subject.otherexpected annual loss
dc.subject.otherrisk premium
dc.titleDesign and implementation of a collective insurance program based on cross subsidies for recovery of low income homeowners
dc.typeConference report
dc.subject.lemacRisc sísmic
dc.subject.lemacAssegurances -- Pòlisses
dc.contributor.groupUniversitat Politècnica de Catalunya. (MC)2 - Grup de Mecànica Computacional en Medis Continus
dc.rights.accessRestricted access - publisher's policy
local.identifier.drac12954638
dc.description.versionPostprint (published version)
dc.date.lift10000-01-01
local.citation.authorMarulanda , M.; Barbat, H.; Cardona, O.D.; Mora, M.
local.citation.contributorWorld Conference on Earthquake Engineering
local.citation.pubplaceLisboa
local.citation.publicationName15th World Conference on Earthquake Engineering
local.citation.startingPage1
local.citation.endingPage10


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