Flood insurance and extreme events: the role of crisis in prompting changes in British institutional response to flood hazard

摘要: Abstract Insurance represents an effective response to natural hazards, spreading the cost of damage in space and time. The development flood insurance for buildings building contents UK is examined order assess extent which it fits a crisis-oriented model whereby changes nature effectiveness are triggered directly (and exclusively) by individual hazard events. confirmed outline, some factors influencing imperfect link between innovation events identified, implications both widespread cover availability crisis orientation evident evolution policy discussed.