Insurance as maladaptation: Resilience and the 'business as usual' paradox

摘要: Insurance and compensation are cited as critical elements of resilience to natural non-natural hazards alike. As a strategy risk management, it emphasises peace mind, financial recompense the swift restoration ‘business usual’ status for civil, social commercial life. Yet despite contribution insurance synergies with progressive or adaptive articulations not sufficiently explicated. This paper explores fundamental contradictions form through study flood management. It demonstrates how regimes serve structurally embed risky behaviour inhibit change after detrimental events. such, transformative interpretations conflict long-standing principles operational norms that privilege normality. The concludes that, its currency within discourses, is maladaptive reinforce exposure vulnerability underwriting return ‘status-quo’ rather than enabling behaviour.