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11
NATURAL HAZARDS AND ASSET NATURAL HAZARDS AND ASSET PROTECTION: EXPERIENCES AND PROTECTION: EXPERIENCES AND
CHALLENGES OF THE LOCAL INSURANCE CHALLENGES OF THE LOCAL INSURANCE INDUSTRYINDUSTRY
28th international conference of the Insurance Association of the Caribbean
June 2, 2008 World Trade Center, Curacao
Insurance Association of the Netherlands Antilles
Dr. Richeline C. Martina-Joe, President
22
CuraCuraççaoao
• Introduction
• Location of Curaçao
• Perception of disaster occurrence
• The boy who cried: “Wolf”!
• Curaçao: Statistically overdue
33
Analysis of the “Wolf effect”Analysis of the “Wolf effect”
• Emotion vs Cognition objective awareness vs subjective interpretation
• Attribution deception / mis-information negative judgment: no trust
• Risk regulation: risk assessment, cost benefit analysis
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Risk RegulationRisk Regulation
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Conclusion from the analysis of the Conclusion from the analysis of the Wolf effectWolf effect
E = Q X A
Effect of a message=
Quality of the messagex
Acceptance of the message
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Effective Warning SystemEffective Warning System
“It is the way in which a country alerts its population on a perceived threat (natural hazard) in order to mitigate and/or prevent unnecessary harm”
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Effective Warning SystemEffective Warning System
• the receiver must be open in receiving the alert;
• the receiver should be believing the alert;
• the receiver should be committed in acting on the alert
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Effective Warning SystemEffective Warning System
The challenge lies in finding ways to make effective warnings
• optimally useful,
• credible,
• and reliable
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Effective Warning SystemEffective Warning System
1010
Effective Warning SystemEffective Warning System
SWOC Analysis:
STRENGHTS
WEAKNESSES
OPPORTUNITIES
CONSTRAINTS
1111
Effective Warning SystemEffective Warning System
SWOC Analysis:
GOVERNMENT
COMMUNITY
WARNING SYSTEM
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STRENGHTS WEAKNESSES OPPORTUNITIES CONSTRAINTS
GOVERNMENT
Commitment of government: We care for you
Chance to timely shift resources to prevent or mitigate impacts
Building resilience into a society
Bureaucracy
Transparent and a-political warning process;
Financial constraints
Evaluate and Interact with media and groups in society,
Communicate in "non-alert" period as well).
People need to trust the system, if they are expected to act on its warnings.
Need for a single , official, voice warning
Unrealistic expectations of protection by government, .Public panic or false alarms.
A warning system needs to survive changes in government.
Diversification of warning systems used.
Pro-action over Re-action
1313
STRENGHTS WEAK-NESSES
OPPORTUNITIES CONSTRAINTS
COMMUNITY
Early warningprovides lead time to act
People have the
need and appreciate to
be kept informed.
Role of media as
an authority.
Dedicated, committed, qualified volunteers
More “blame” for missed or erroneous warnings than Praise for succes
False alarms lead to lack of credibility
Participation of Stakeholders
leadsto sense of ownership in the system, and increase of warning
credibility and reliability
Emphasis that disaster may or may not occur,
but that still one
needs to be prepared
.
People understand information at different levels and in different ways.
Timing of the warning.
Reach of the warning
Quality of the warning
1414
STRENGHTS WEAKNESSES OPPOR-TUNITIES
CONSTRAINTS
WARNING SYSTEM
Technology Allows To Reach Many PeopleWarning Systems Exist For A Long Time Already, All Over The World.
Accessibility To Technology.
Lack Of Quantitative Indicators And Verification.
Changing Societies And Shelve Life Of A Warning System.
Flexibility Of System To Expand To Other Hazards And To Other Functions,
An Effective Warning System Must Operate Continually, Even Though The Hazard Of Concern May Occur Only Intermittently.
How To Evaluate The Effectiveness Of A Warning System Is Not Readily Established.
Warning Is Content Sensitive: •How, •Who, •What
1515
Natural hazards and asset Natural hazards and asset protectionprotection
Natural hazards are a part of life. But hazards only become disasters
when people’s lives and their belongings are swept away
1616
Natural hazards and asset Natural hazards and asset protectionprotection
As insurance companies operating on Curaçao and the other islands of the Dutch Antilles, we will always be there to offer solutions while protecting the assets of our customers!
1717
Natural hazards and asset Natural hazards and asset protectionprotection
Suggestions:
• risk management
• vulnerability assessment
• reduction of the effects of a disaster
(financial security)
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Natural hazards and asset Natural hazards and asset protectionprotection
A tight control of the future impact of disasters on Curacao is in the interest of us all.
“With the NEW CURACAO in mind, we target to build a sustainable community that has the long-term capacity to live and deal effectively with risks”
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Concluding remarksConcluding remarks
All hazards approach
Emergency communication plan
Involvement of all stakeholders for acceptance and increased credibility
2020
Concluding remarksConcluding remarks
Join the boy crying Wolf
Develop a new game together,
based on:
trust, understanding, acceptance, all for the benefit of our country.
2121
Concluding remarksConcluding remarks
We may not be able to control Mother Nature, but we can at least do our homework and be ready to face whatever she may impose on us.
2222
The boy who cried: Wolf!The boy who cried: Wolf!
2323
Thank you!Thank you!
Questions?Questions?