hat
Yon lòt zòn nan finans inovatè ke yo te eksplore se asirans detèminasyon. Sa konbine pwoteksyon tradisyonèl kont pèt tanpèt ak yon envestisman nan detèminasyon (egzanp, plante mangròv, restore koray resif). Si envestisman 'rezistans' aplike avèk siksè, nan tèm trete asirans lan (sètadi, lè yo peye prim politik la), lè sa a prim lan ki gen rapò ak rediksyon risk la itilize yo kouvri pri a nan envestisman 'detèminasyon'. Pa gen okenn egzanp siksè pou yon solisyon 'detèminasyon' asirans ki enplike nan solisyon ki baze sou nati, sepandan MyStrongHome pwogram se yon egzanp kote domèn modènizasyon (pou prèv van kont siklòn) peye nan asirans mèt kay tradisyonèl yo. ,Ganizasyon pou konsèvasyon, tankou Nature Conservancy, ap travay ak konpayi asirans ak reasurans pou chèche konnen si prim asirans yo ka redwi pou konpayi / moun ki pwoteje resif ak marekaj bò lanmè, oswa forè en, menm jan pousantaj yo redwi pou baryè inondasyon ak abri siklòn. .
eng
Another area of innovative finance that is being explored is resilience insurance. This combines traditional coverage against storm losses with an investment in resilience (e.g., planting mangroves, restoring coral reefs). If the ‘resilience’ investment is successfully implemented, within the insurance treaty term (i.e., when the policy premium is being paid), then the premium related to the risk reduction is used to cover the cost of the ‘resilience’ investment. There is no successful example for a ‘resilience’ insurance solution that involves nature-based solutions, however the MyStrongHome program is an example of where roofing upgrades (to wind-proof against hurricanes) are paid through traditional homeowners insurance. Conservation organizations, such as The Nature Conservancy, are working with insurance and reinsurance companies to explore whether insurance premiums could be reduced for companies/individuals that protect reefs and coastal wetlands, or upstream forests, just as rates are reduced for flood barriers and hurricane shelters.