Читать книгу Disaster Response and Recovery - David A. McEntire - Страница 99

Because disasters result in the loss of life and property, insurance companies will ensure teams of adjusters are present in the affected areas to settle claims (Kunreuther and Roth 1998) (Figure 2‐6). Local insurance personnel will begin the claims process immediately. And, in the days and weeks that follow, other personnel will work remotely or arrive to support the particular disaster operation in question. The services of insurance agencies are needed for several reasons. People are injured and they may accumulate large medical bills. The breadwinner in a family may have died, and future income for the spouse and children may be jeopardized. Cars and homes are often destroyed, and other forms of personal property may be lost or rendered unusable. For this reason, State Farm, Allstate and other insurance providers reimburse expenses, replace losses in order to help disaster victims get back on their feet. While there have been and remain concerns about the future financial viability of insurance companies in light of increased disasters (Benali and Feki 2017; Born and Viscusi 2006), these corporations are necessary to mitigate losses and facilitate recovery.

Figure 2‐6 Insurance companies will send numerous employees to disaster‐affected areas to begin processing claims. Micheal Rieger/FEMA.