Risks of storms: Does Germany protect homeowners sufficiently? - analysis
Risks of storms: Does Germany protect homeowners sufficiently? - analysis
If there is flooding and heavy rain, house residents can quickly lose their belongings. In the Ahr Valley alone three years ago, insured damage added up to over 8.2 billion euros. Basically, only the so -called elementary damage insurance applies to such storms. In Germany, however, only half of the homeowners have such insurance coverage.
However, some residents have no opportunity to insure themselves against elementary damage, since insurance in regions that could be particularly affected by such events do not offer elementary damage insurance or offer them only at very high prices. For this reason, it is discussed whether an obligation to compulsory insurance should be introduced. Lately the state has often had to step in and pay for the costs. This ultimately puts a strain on all taxpayers.
There are arguments for both and against compulsory insurance. Ultimately, however, it is irrelevant who bears the costs. It is much more important to find out how homeowners can be better protected in high -risk areas. Germany still has a lot of work ahead of them in this regard. Calculations of scientists show that German regions will be affected by weather events more often and more intensively in the future. It is therefore crucial to build climate adapt to and not to seal areas in order to have water seeped in again. Increased efforts are required in this area.
In order to better understand the possible effects of floods and heavy rain in Berlin, it is worth taking a look at historical development. Table 1 shows the number of registered flood events in Berlin in the past ten years:
Kommentare (0)