2026-04-13T18:23:59Zhttps://recercat.cat/oai/request

oai:recercat.cat:2117/211842025-07-17T13:14:57Zcom_2072_1033col_2072_452950

Diseño e implementación del seguro de riesgo sísmico para cubrir los edificios privados a través de una estrategia de subsidio cruzado Marulanda Fraume, Mabel Cristina Cardona, Omar Darío Mora Cuevas, Miguel Barbat Barbat, Horia Alejandro Universitat Politècnica de Catalunya. Departament de Resistència de Materials i Estructures a l'Enginyeria Centre Internacional de Mètodes Numèrics en Enginyeria Universitat Politècnica de Catalunya. (MC)2 - Grup de Mecànica Computacional en Medis Continus Àrees temàtiques de la UPC::Enginyeria civil::Geotècnia::Sismologia Àrees temàtiques de la UPC::Economia i organització d'empreses Earthquake hazard analysis Insurance trends Riesgo sísmico instrumentos aseguradores modelo de riesgo de catástrofe pérdida máxima probable pérdida anual esperada prima de riesgo Seismic risk insurance instruments catastrophe risk model probable maximum loss expected annual loss risk premium Risc sísmic Assegurances -- Pòlisses This paper discusses how a catastrophe risk model –based on metrics such as the Probabilistic Maximum Loss and the Average Annual Loss– has been used to estimate, building by building, the probabilistic losses of different portfolios of exposed elements. It also explains how a risk transfer instrument to cover the private housing in Manizales, Colombia, was designed, promoting the insurance culture and covering the low-income homeowners through a cross-subsidy strategy. This instrument is a voluntary collective insurance promoted by the city administration and the insurance industry, using the mechanism of the property-tax payment. The program provides financial protection to the estate-tax payers and to the low-income homeowners that cannot pay the tax due to their income limitations. This collective insurance helps the government to access key resources for low-income householder recovery and improve disaster risk management at local level. This instrument represents a successful experience from the solidarity perspective as also has been a good practice between the government and the private sector that can be replicated in developing countries prone to disasters. Postprint (published version) 2011 Conference report Marulanda , M. [et al.]. Diseño e implementación del seguro de riesgo sísmico para cubrir los edificios privados a través de una estrategia de subsidio cruzado. A: Congreso Nacional de Ingeniería Sísmica. "4º Congreso nacional de ingeniería sísmica: libro de resumenes: Granada, 18-20 mayo de 2011". Granada: Copicentro, 2011, p. 1-8. 9788415261278 https://hdl.handle.net/2117/21184 spa Restricted access - publisher's policy 8 p. application/pdf Copicentro