{"id":19804,"date":"2024-09-20T13:07:40","date_gmt":"2024-09-20T18:07:40","guid":{"rendered":"https:\/\/bolttech.io\/insights\/chay-rung-anh-huong-den-bao-hiem-thuong-mai-va-chu-nha-nhu-the-nao\/"},"modified":"2024-09-20T13:07:50","modified_gmt":"2024-09-20T18:07:50","slug":"chay-rung-anh-huong-den-bao-hiem-thuong-mai-va-chu-nha-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/chay-rung-anh-huong-den-bao-hiem-thuong-mai-va-chu-nha-nhu-the-nao\/","title":{"rendered":"Ch\u00e1y r\u1eebng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u00e0 ch\u1ee7 nh\u00e0 nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n

N\u0103m 2018, ch\u00ednh ph\u1ee7 li\u00ean bang Hoa K\u1ef3 \u0111\u00e3 chi h\u01a1n 3 t\u1ef7 \u0111\u00f4 la \u0111\u1ec3 ch\u1ed1ng ch\u00e1y r\u1eebng lan r\u1ed9ng tr\u00ean 8,7 tri\u1ec7u m\u1eabu Anh c\u1ee7a Hoa K\u1ef3, theo d\u1eef li\u1ec7u t\u1eeb Trung t\u00e2m C\u1ee9u h\u1ecfa Li\u00ean ng\u00e0nh Qu\u1ed1c gia<\/a>.\nCh\u00ednh quy\u1ec1n ti\u1ec3u bang v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng \u0111\u00e3 chi h\u00e0ng tri\u1ec7u \u0111\u00f4 la \u0111\u1ec3 d\u1eadp t\u1eaft ch\u00e1y r\u1eebng, c\u1ea3nh b\u00e1o c\u01b0 d\u00e2n v\u00e0 gi\u1ea3i quy\u1ebft nhu c\u1ea7u s\u01a1 t\u00e1n v\u00e0 x\u00e2y d\u1ef1ng l\u1ea1i. <\/p>\n\n

Chi ph\u00ed ch\u00e1y r\u1eebng d\u1ef1 ki\u1ebfn s\u1ebd v\u1eabn \u1edf m\u1ee9c cao, v\u00ec bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu ti\u1ebfp t\u1ee5c th\u00fac \u0111\u1ea9y c\u00e1c \u0111i\u1ec1u ki\u1ec7n l\u00fd t\u01b0\u1edfng cho m\u1ed9t \u0111\u00e1m ch\u00e1y.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n h\u1ecdc h\u1ecfi t\u1eeb th\u00f4ng tin ch\u00e1y r\u1eebng hi\u1ec7n c\u00f3 v\u00e0 t\u00ecm ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 gi\u1ea3i quy\u1ebft r\u1ee7i ro \u0111ang di\u1ec5n ra<\/a>. <\/p>\n\n

T\u00ecnh tr\u1ea1ng ch\u00e1y r\u1eebng n\u0103m 2020<\/h2>\n\n

Ch\u00e1y r\u1eebng v\u1eabn l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 ng\u00e0y c\u00e0ng t\u0103ng \u1edf mi\u1ec1n t\u00e2y Hoa K\u1ef3 v\u00e0 \u1edf c\u00e1c qu\u1ed1c gia kh\u00e1c, bao g\u1ed3m Canada v\u00e0 \u00dac.\nCh\u1ec9 ri\u00eang \u1edf California, h\u01a1n 875 v\u1ee5 ch\u00e1y \u0111\u00e3 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o t\u1eeb gi\u1eefa th\u00e1ng 8 \u0111\u1ebfn \u0111\u1ea7u th\u00e1ng 9\/2020.\nNh\u1eefng \u0111\u00e1m ch\u00e1y n\u00e0y \u0111\u00e3 thi\u00eau r\u1ee5i g\u1ea7n 1,5 tri\u1ec7u m\u1eabu Anh, l\u00e0m h\u01b0 h\u1ea1i h\u01a1n 2.800 c\u1ea5u tr\u00fac nh\u00e0 \u1edf v\u00e0 doanh nghi\u1ec7p v\u00e0 di d\u1eddi kho\u1ea3ng 40.000 c\u01b0 d\u00e2n, Christopher Flavelle<\/a> vi\u1ebft tr\u00ean t\u1edd New York Times. <\/p>\n\n

\u0110\u1ebfn th\u00e1ng 10 n\u0103m 2020, s\u1ed1 m\u1eabu \u0111\u1ea5t b\u1ecb \u0111\u1ed1t ch\u00e1y \u1edf California \u0111\u00e3 l\u00ean t\u1edbi 4 tri\u1ec7u, l\u1eadp k\u1ef7 l\u1ee5c m\u1edbi cho ti\u1ec3u bang, Tim Stelloh<\/a> vi\u1ebft tr\u00ean NBC News.\nS\u00e1u trong s\u1ed1 20 v\u1ee5 ch\u00e1y r\u1eebng l\u1edbn nh\u1ea5t trong l\u1ecbch s\u1eed California x\u1ea3y ra v\u00e0o n\u0103m 2020, theo Cal Fire<\/a>, c\u01a1 quan c\u1ee9u h\u1ecfa c\u1ee7a ti\u1ec3u bang. <\/p>\n\n

“L\u01b0\u1ee3ng kh\u00ed th\u1ea3i h\u1ecfa ho\u1ea1n n\u0103m nay v\u01b0\u1ee3t xa t\u1ed5ng l\u01b0\u1ee3ng kh\u00ed th\u1ea3i h\u00e0ng n\u0103m trong t\u1ea5t c\u1ea3 c\u00e1c n\u0103m kh\u00e1c”, Douglas Morton<\/a>, gi\u00e1m \u0111\u1ed1c ph\u00f2ng th\u00ed nghi\u1ec7m khoa h\u1ecdc sinh quy\u1ec3n Goddard c\u1ee7a NASA cho bi\u1ebft.<\/p>\n\n

Nguy c\u01a1 ch\u00e1y r\u1eebng c\u00f3 th\u1ec3 v\u1eabn \u1edf m\u1ee9c cao \u1edf M\u1ef9 cho \u0111\u1ebfn cu\u1ed1i n\u0103m 2020 v\u00e0 \u0111\u1ea7u n\u0103m 2021, theo c\u1eadp nh\u1eadt t\u1eeb Trung t\u00e2m C\u1ee9u h\u1ecfa Li\u00ean ng\u00e0nh Qu\u1ed1c gia (NIFC).\nT\u00ecnh tr\u1ea1ng h\u1ea1n h\u00e1n, gi\u00f3 l\u1edbn v\u00e0 nhi\u1ec7t \u0111\u1ed9 \u1ea5m h\u01a1n trung b\u00ecnh d\u1ef1 ki\u1ebfn s\u1ebd l\u00e0m t\u0103ng nguy c\u01a1 h\u1ecfa ho\u1ea1n kh\u00f4ng ch\u1ec9 \u1edf California, m\u00e0 c\u00f2n \u1edf c\u00e1c bang \u0111\u1ed3ng b\u1eb1ng ph\u00eda nam, NIFC<\/a> tuy\u00ean b\u1ed1. <\/p>\n\n

Khi ch\u00e1y r\u1eebng gia t\u0103ng, s\u1ef1 s\u1eb5n c\u00f3 c\u1ee7a b\u1ea3o hi\u1ec3m \u1edf nh\u1eefng khu v\u1ef1c c\u00f3 nguy c\u01a1 cao nh\u1ea5t \u0111ang gi\u1ea3m.\n“T\u1eeb n\u0103m 2015-2018, s\u1ed1 l\u01b0\u1ee3ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi v\u00e0 \u0111\u01b0\u1ee3c gia h\u1ea1n trong th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n \u0111\u00e3 gi\u1ea3m 8,700 \u1edf 10 qu\u1eadn c\u00f3 nhi\u1ec1u nh\u00e0 nh\u1ea5t \u1edf c\u00e1c khu v\u1ef1c c\u00f3 r\u1ee7i ro cao ho\u1eb7c r\u1ea5t cao” \u1edf California, theo B\u1ed9 B\u1ea3o hi\u1ec3m California<\/a>. <\/p>\n\n

\"\"<\/figure>\n\n

Ch\u00e1y r\u1eebng: Th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m gia \u0111\u00ecnh v\u00e0 doanh nghi\u1ec7p<\/h2>\n\n

M\u1ed9t m\u00f9a ch\u00e1y r\u1eebng k\u1ef7 l\u1ee5c s\u1ebd \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ngay c\u1ea3 khi \u0111\u00f3 l\u00e0 s\u1ef1 ki\u1ec7n duy nh\u1ea5t di\u1ec5n ra trong m\u1ed9t n\u0103m nh\u1ea5t \u0111\u1ecbnh.\nTuy nhi\u00ean, c\u00e1c v\u1ee5 ch\u00e1y r\u1eebng k\u1ef7 l\u1ee5c b\u00ean c\u1ea1nh \u0111\u1ea1i d\u1ecbch COVID-19 \u0111ang \u0111\u1ea9y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ebfn gi\u1edbi h\u1ea1n c\u1ee7a h\u1ecd. <\/p>\n\n

Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu th\u00fac \u0111\u1ea9y r\u1ee7i ro ch\u00e1y r\u1eebng<\/h3>\n\n

Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu, v\u00e0 \u1ea3nh h\u01b0\u1edfng c\u1ee7a n\u00f3 \u0111\u1ed1i v\u1edbi c\u00e1c ki\u1ec3u th\u1eddi ti\u1ebft, ti\u1ebfp t\u1ee5c th\u00fac \u0111\u1ea9y ch\u00e1y r\u1eebng.\nTrong khi m\u1ed9t s\u1ed1 v\u1ee5 ch\u00e1y r\u1eebng n\u0103m nay \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t b\u1edfi s\u00e9t ho\u1eb7c h\u00e0nh vi c\u1ee7a con ng\u01b0\u1eddi, \u0111i\u1ec1u ki\u1ec7n th\u1eddi ti\u1ebft nh\u01b0 nhi\u1ec7t \u0111\u1ed9 cao k\u1ef7 l\u1ee5c, \u0111\u1ed9 \u1ea9m th\u1ea5p b\u1ea5t th\u01b0\u1eddng, gi\u00f3 l\u1edbn v\u00e0 h\u1ea1n h\u00e1n l\u00e0m t\u0103ng nguy c\u01a1 h\u1ecfa ho\u1ea1n. <\/p>\n\n

“Ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 m\u1ed9t c\u01a1n b\u00e3o ho\u00e0n h\u1ea3o c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 kh\u00ed t\u01b0\u1ee3ng k\u1ebft h\u1ee3p v\u1edbi nhau \u0111\u1ec3 khuy\u1ebfn kh\u00edch s\u1ef1 ch\u00e1y c\u1ef1c \u0111\u1ed9”, Vincent Ambrosia<\/a>, ph\u00f3 gi\u00e1m \u0111\u1ed1c ch\u01b0\u01a1ng tr\u00ecnh nghi\u00ean c\u1ee9u \u0111\u1ed9ng v\u1eadt hoang d\u00e3 t\u1ea1i Ch\u01b0\u01a1ng tr\u00ecnh Khoa h\u1ecdc \u1ee8ng d\u1ee5ng Tr\u00e1i \u0111\u1ea5t c\u1ee7a NASA cho bi\u1ebft.\n\u0110\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi m\u1ed9t l\u01b0\u1ee3ng l\u1edbn th\u1ea3m th\u1ef1c v\u1eadt kh\u00f4 trong c\u00e1c khu r\u1eebng gi\u00e0, c\u00e1c v\u1ee5 ch\u00e1y r\u1eebng \u0111\u00e3 g\u00e2y ra thi\u1ec7t h\u1ea1i c\u1ef1c l\u1edbn, v\u00e0 h\u1ecd \u0111\u00e3 l\u00e0m nh\u01b0 v\u1eady. <\/p>\n\n

Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 g\u00e2y ch\u00e1y r\u1eebng v\u00e0 c\u00e1c th\u1ea3m h\u1ecda thi\u00ean nhi\u00ean kh\u00e1c.\nTuy nhi\u00ean, nh\u00e2n lo\u1ea1i v\u1eabn ch\u01b0a tr\u1ea3i qua th\u1eddi k\u1ef3 t\u0103ng nhi\u1ec7t \u0111\u1ed9 to\u00e0n c\u1ea7u kh\u1eafc nghi\u1ec7t nh\u01b0 d\u1ef1 \u0111o\u00e1n c\u1ee7a c\u00e1c m\u00f4 h\u00ecnh bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu.\nDo \u0111\u00f3, c\u00e1c quy\u1ebft \u0111\u1ecbnh b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u1eeb nh\u1eefng n\u0103m tr\u01b0\u1edbc c\u00f3 th\u1ec3 ch\u1ee9ng minh kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 cung c\u1ea5p m\u1ed9t b\u1ee9c tranh r\u00f5 r\u00e0ng v\u1ec1 nh\u1eefng r\u1ee7i ro s\u1eafp t\u1edbi, Jeff Schlegelmilch<\/a>, gi\u00e1m \u0111\u1ed1c Trung t\u00e2m Qu\u1ed1c gia v\u1ec1 Ph\u00f2ng ch\u1ed1ng Thi\u00ean tai t\u1ea1i \u0110\u1ea1i h\u1ecdc Columbia cho bi\u1ebft. <\/p>\n\n

M\u00f4 h\u00ecnh nh\u00e0 \u1edf v\u00e0 b\u1ee5i ph\u00f3ng x\u1ea1 m\u00f4i tr\u01b0\u1eddng c\u0169ng l\u00e0m t\u0103ng r\u1ee7i ro<\/h3>\n\n

Ch\u00e1y r\u1eebng c\u0169ng g\u00e2y ra r\u1ee7i ro l\u1edbn h\u01a1n so v\u1edbi nh\u1eefng th\u1eadp k\u1ef7 tr\u01b0\u1edbc v\u00ec c\u00e1c m\u00f4 h\u00ecnh ph\u00e1t tri\u1ec3n nh\u00e0 \u1edf \u0111\u00e3 \u0111\u1eb7t nhi\u1ec1u ng\u00f4i nh\u00e0 h\u01a1n \u1edf nh\u1eefng khu v\u1ef1c c\u00f3 nguy c\u01a1 cao.\nV\u00ed d\u1ee5, trong khi v\u1ee5 ch\u00e1y Hanly n\u0103m 1964 thi\u00eau r\u1ee5i \u00edt h\u01a1n 200 c\u1ea5u tr\u00fac, v\u1ee5 ch\u00e1y Tubbs n\u0103m 2017 bao ph\u1ee7 c\u00f9ng m\u1ed9t khu v\u1ef1c \u0111\u00e3 l\u00e0m h\u01b0 h\u1ea1i h\u01a1n 5.000 c\u1ea5u tr\u00fac, Rex Frazier<\/a>, ch\u1ee7 t\u1ecbch Li\u00ean \u0111o\u00e0n B\u1ea3o hi\u1ec3m C\u00e1 nh\u00e2n California cho bi\u1ebft. <\/p>\n\n

“\u0110\u1ecba h\u00ecnh kh\u00f4ng thay \u0111\u1ed5i, nh\u01b0ng vi\u1ec7c x\u00e2y d\u1ef1ng trong khu v\u1ef1c th\u00ec c\u00f3,” Frazier n\u00f3i.\n\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, x\u00e2y d\u1ef1ng nhi\u1ec1u h\u01a1n \u1edf c\u00e1c khu v\u1ef1c c\u00f3 r\u1ee7i ro cao c\u00f3 ngh\u0129a l\u00e0 t\u1ed5n th\u1ea5t nhi\u1ec1u h\u01a1n khi h\u1ecfa ho\u1ea1n x\u1ea3y ra. <\/p>\n\n

Ch\u00e1y r\u1eebng c\u0169ng l\u00e0m t\u0103ng nguy c\u01a1 x\u1ea3y ra c\u00e1c lo\u1ea1i thi\u1ec7t h\u1ea1i kh\u00e1c, bao g\u1ed3m l\u1edf \u0111\u1ea5t, b\u00f9n v\u00e0 c\u00e2y \u0111\u1ed5 trong b\u00e3o gi\u00f3.<\/p>\n\n

Th\u1eddi ti\u1ebft \u1ea9m \u01b0\u1edbt \u1edf Oregon v\u00e0o m\u00f9a thu n\u00e0y, c\u00f9ng v\u1edbi \u0111i\u1ec1u ki\u1ec7n gi\u00f3, \u0111\u00e3 khi\u1ebfn ch\u00ednh quy\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng c\u1ea3nh b\u00e1o c\u01b0 d\u00e2n Oregon v\u1ec1 nh\u1eefng nguy hi\u1ec3m ti\u1ec1m t\u00e0ng.\nGi\u00f3 l\u1edbn v\u00e0 m\u01b0a sau m\u1ed9t v\u1ee5 ch\u00e1y r\u1eebng c\u00f3 th\u1ec3 g\u00e2y ra nhi\u1ec1u nguy hi\u1ec3m tr\u00ean \u0111\u01b0\u1eddng h\u01a1n m\u1ed9t c\u01a1n b\u00e3o t\u01b0\u01a1ng t\u1ef1 c\u00f3 th\u1ec3 g\u00e2y ra m\u00e0 kh\u00f4ng g\u00e2y thi\u1ec7t h\u1ea1i do ch\u00e1y r\u1eebng, Jeremy Landers<\/a>, m\u1ed9t trung s\u0129 c\u1ea3nh s\u00e1t thu\u1ed9c V\u0103n ph\u00f2ng C\u1ea3nh s\u00e1t tr\u01b0\u1edfng H\u1ea1t Marion \u1edf Oregon cho bi\u1ebft. <\/p>\n\n

C\u00f9ng nhau qu\u1ea3n l\u00fd ch\u00e1y r\u1eebng v\u00e0 \u0111\u1ea1i d\u1ecbch<\/h3>\n\n

Ch\u00e1y r\u1eebng ti\u1ebfp t\u1ee5c ho\u00e0nh h\u00e0nh \u1edf m\u1ed9t s\u1ed1 khu v\u1ef1c tr\u00ean kh\u1eafp Hoa K\u1ef3.\nT\u1ea1i m\u1ed9t s\u1ed1 t\u00f2a \u00e1n Hoa K\u1ef3, cu\u1ed9c chi\u1ebfn v\u1ec1 vi\u1ec7c li\u1ec7u b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh c\u00f3 \u00e1p d\u1ee5ng cho c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng COVID-19 hay kh\u00f4ng c\u0169ng ti\u1ebfp t\u1ee5c. <\/p>\n\n

C\u1ea3 \u0111\u1ea1i d\u1ecbch v\u00e0 ch\u00e1y r\u1eebng \u0111\u1ec1u g\u00e2y ra nh\u1eefng r\u1ee7i ro \u0111\u00e1ng k\u1ec3, lan r\u1ed9ng, \u0111\u1eb7t ra nh\u1eefng c\u00e2u h\u1ecfi m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nNh\u01b0 lu\u1eadt s\u01b0 Bryan J. Coffey<\/a> l\u01b0u \u00fd, vi\u1ec7c x\u00e1c \u0111\u1ecbnh m\u1ee9c gi\u00e1 ph\u00f9 h\u1ee3p cho m\u1ed9t ch\u00ednh s\u00e1ch ho\u1eb7c gi\u00e1 tr\u1ecb c\u1ee7a m\u1ed9t y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o kh\u1ea3 n\u0103ng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m d\u1ef1a v\u00e0o c\u00e1c s\u1ef1 ki\u1ec7n v\u00e0 d\u1ef1 b\u00e1o kinh doanh th\u00f4ng th\u01b0\u1eddng ho\u1eb7c \u0111i\u1ec3n h\u00ecnh. <\/p>\n\n

Tuy nhi\u00ean, trong m\u1ed9t \u0111\u1ea1i d\u1ecbch, nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00f4ng c\u00f2n b\u00ecnh th\u01b0\u1eddng ho\u1eb7c \u0111i\u1ec3n h\u00ecnh.\nX\u00e1c \u0111\u1ecbnh c\u00e1ch \u0111\u1eb7t b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i s\u1ea3n b\u1ecb \u0111e d\u1ecda ch\u00e1y r\u1eebng ho\u1eb7c c\u00e1ch qu\u1ea3n l\u00fd khi\u1ebfu n\u1ea1i c\u00f3 th\u1ec3 c\u00f2n kh\u00f3 kh\u0103n h\u01a1n. <\/p>\n\n

\u0110\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi nhu c\u1ea7u ch\u00fa \u00fd nhi\u1ec1u h\u01a1n \u0111\u1ebfn b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh c\u1ee7a h\u1ecd, kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i gi\u1edd \u0111\u00e2y c\u0169ng nh\u1eadn th\u1ee9c r\u00f5 h\u01a1n v\u1ec1 nh\u1eefng g\u00ec b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 bao g\u1ed3m trong tr\u01b0\u1eddng h\u1ee3p h\u1ecfa ho\u1ea1n.<\/p>\n\n

V\u00ed d\u1ee5, nhi\u1ec1u ch\u00ednh s\u00e1ch kinh doanh bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c r\u1ee7i ro m\u1ea5t m\u00e1t v\u1eadt ch\u1ea5t ho\u1eb7c thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi m\u1ed9t doanh nghi\u1ec7p, vi\u1ebft Micah E. Skidmore<\/a> t\u1ea1i c\u00f4ng ty lu\u1eadt Hayes and Boone.\nC\u00e1c ch\u00ednh s\u00e1ch nh\u01b0 v\u1eady c\u00f3 th\u1ec3 bao g\u1ed3m kh\u00f4ng ch\u1ec9 thi\u1ec7t h\u1ea1i do h\u1ecfa ho\u1ea1n g\u00e2y ra, m\u00e0 c\u00f2n c\u1ea3 thi\u1ec7t h\u1ea1i do kh\u00f3i v\u00e0 b\u1ed3 h\u00f3ng trong m\u1ed9t c\u1ea5u tr\u00fac \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn b\u1edfi m\u1ed9t \u0111\u00e1m ch\u00e1y r\u1eebng nh\u01b0ng kh\u00f4ng th\u1ef1c s\u1ef1 b\u1ecb thi\u00eau r\u1ee5i b\u1edfi n\u00f3.\nKhi kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean quen thu\u1ed9c h\u01a1n v\u1edbi c\u00e1c ch\u00ednh s\u00e1ch c\u1ee7a ri\u00eang h\u1ecd, h\u1ecd c\u0169ng c\u00f3 th\u1ec3 tr\u1edf n\u00ean ch\u00ednh x\u00e1c h\u01a1n trong vi\u1ec7c ghi l\u1ea1i thi\u1ec7t h\u1ea1i v\u00e0 n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. <\/p>\n\n

\"\"<\/figure>\n\n

L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u1eadp k\u1ebf ho\u1ea1ch cho t\u01b0\u01a1ng lai<\/h2>\n\n

Khi ch\u00e1y r\u1eebng, l\u0169 l\u1ee5t v\u00e0 c\u00e1c t\u00e1c \u0111\u1ed9ng kh\u00e1c c\u1ee7a bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu l\u00e0m t\u0103ng c\u00e1c m\u1ed1i \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n nh\u00e0 v\u00e0 doanh nghi\u1ec7p, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ea5y m\u00ecnh ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 c\u00e2n b\u1eb1ng nhu c\u1ea7u v\u1ec1 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng \u0111ang di\u1ec5n ra v\u1edbi s\u1ef1 b\u1ea5p b\u00eanh v\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a vi\u1ec7c b\u1ea3o hi\u1ec3m c\u00e1c t\u00e0i s\u1ea3n c\u00f3 r\u1ee7i ro cao.<\/p>\n\n

“C\u00e1c v\u1ee5 h\u1ecfa ho\u1ea1n n\u0103m 2017 v\u00e0 2018 \u0111\u00e3 x\u00f3a s\u1ed5 h\u01a1n g\u1ea5p \u0111\u00f4i ba th\u1eadp k\u1ef7 l\u1ee3i nhu\u1eadn. N\u00f3 \u0111\u00e3 x\u00f3a s\u1ed5 nh\u1eefng kho\u1ea3n l\u1ee3i nhu\u1eadn \u0111\u00f3 hai l\u1ea7n”, Carolyn Kousky, ti\u1ebfn s\u0129<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Trung t\u00e2m r\u1ee7i ro Wharton t\u1ea1i \u0110\u1ea1i h\u1ecdc Pennsylvania n\u00f3i.<\/p>\n\n

Nh\u1eefng t\u1ed5n th\u1ea5t nh\u01b0 th\u1ebf n\u00e0y l\u00e0 kh\u00f4ng b\u1ec1n v\u1eefng theo th\u1eddi gian.\nKhi ch\u00e1y r\u1eebng ti\u1ebfp t\u1ee5c qu\u00e9t qua mi\u1ec1n t\u00e2y Hoa K\u1ef3 v\u00e0 c\u00e1c qu\u1ed1c gia kh\u00e1c, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang suy ngh\u0129 l\u1ea1i v\u1ec1 vi\u1ec7c c\u00f3 n\u00ean v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 b\u1ea3o hi\u1ec3m cho c\u00e1c ng\u00f4i nh\u00e0 v\u00e0 doanh nghi\u1ec7p \u1edf c\u00e1c khu v\u1ef1c d\u1ec5 b\u1ecb ch\u00e1y r\u1eebng, Kousky l\u01b0u \u00fd. <\/p>\n\n

Gi\u1ea3i quy\u1ebft c\u00e1c quy \u0111\u1ecbnh m\u1edbi<\/h3>\n\n

C\u00e1c quy \u0111\u1ecbnh m\u1edbi c\u1ee7a ti\u1ec3u bang v\u00e0 li\u00ean bang \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nV\u00ed d\u1ee5, v\u1ee5 ch\u00e1y r\u1eebng n\u0103m 2020 \u0111\u00e3 khi\u1ebfn \u1ee7y vi\u00ean b\u1ea3o hi\u1ec3m c\u1ee7a California theo \u0111u\u1ed5i c\u00e1c th\u1ecfa thu\u1eadn m\u1edbi v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, gi\u1ea3i quy\u1ebft c\u00e1c y\u1ebfu t\u1ed1 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thi\u1ebft l\u1eadp t\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m, John Egan v\u00e0 Amy Danise<\/a> vi\u1ebft tr\u00ean Forbes. <\/p>\n\n

\u1ee6y vi\u00ean b\u1ea3o hi\u1ec3m c\u1ee7a California \u0111\u00e3 v\u00e0o cu\u1ed9c \u0111\u1ec3 gi\u1ea3i quy\u1ebft b\u1ea3o hi\u1ec3m cho thi\u1ec7t h\u1ea1i ch\u00e1y r\u1eebng tr\u01b0\u1edbc \u0111\u00e2y.\nV\u00ed d\u1ee5, v\u00e0o th\u00e1ng 12 n\u0103m 2019, \u1ee7y vi\u00ean b\u1ea3o hi\u1ec3m nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh l\u1ec7nh c\u1ea5m m\u1ed9t n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb b\u1ecf kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u1edf c\u00e1c khu v\u1ef1c b\u1ecb \u0111e d\u1ecda ch\u00e1y r\u1eebng.\nL\u1ec7nh c\u1ea5m b\u1ecf b\u1ea3o hi\u1ec3m \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kho\u1ea3ng 800,000 ch\u00ednh s\u00e1ch tr\u00ean to\u00e0n ti\u1ec3u bang, Adam Beam<\/a> c\u1ee7a Associated Press vi\u1ebft. <\/p>\n\n

Trong t\u01b0\u01a1ng lai, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ti\u1ec3u bang v\u00e0 li\u00ean bang.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 c\u1ea7n \u0111\u00f3ng m\u1ed9t vai tr\u00f2 t\u00edch c\u1ef1c h\u01a1n trong vi\u1ec7c gi\u00e1o d\u1ee5c c\u00e1c quan ch\u1ee9c v\u1ec1 vi\u1ec7c \u0111\u1ecbnh gi\u00e1 b\u1ea3o hi\u1ec3m. <\/p>\n\n

Gi\u00fap ch\u1ee7 nh\u00e0 v\u00e0 doanh nghi\u1ec7p x\u00e2y d\u1ef1ng l\u1ea1i an to\u00e0n<\/h3>\n\n

Chi ph\u00ed x\u00e2y d\u1ef1ng l\u1ea1i l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 trang tr\u1ea3i r\u1ee7i ro ch\u00e1y r\u1eebng v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c khi\u1ebfu n\u1ea1i.\nV\u00ed d\u1ee5, trong khi ch\u00e1y r\u1eebng \u0111\u00e3 ph\u00e1 h\u1ee7y kho\u1ea3ng 3.865 c\u00f4ng tr\u00ecnh ki\u1ebfn tr\u00fac \u1edf Oregon, Washington v\u00e0 c\u00e1c bang kh\u00e1c t\u00ednh \u0111\u1ebfn th\u00e1ng 9\/2020, chi ph\u00ed x\u00e2y d\u1ef1ng l\u1ea1i \u1edf nh\u1eefng bang \u0111\u00f3 d\u1ef1 ki\u1ebfn s\u1ebd \u00edt n\u1eb7ng n\u1ec1 h\u01a1n \u1edf California v\u00ec b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u1eadt li\u1ec7u v\u00e0 lao \u0111\u1ed9ng th\u01b0\u1eddng r\u1ebb h\u01a1n, theo b\u00e1o c\u00e1o<\/a> c\u1ee7a Moody’s. <\/p>\n\n

Khi ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n x\u00e2y d\u1ef1ng l\u1ea1i, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 khuy\u1ebfn kh\u00edch h\u1ecd th\u1ef1c hi\u1ec7n c\u00e1c thay \u0111\u1ed5i \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd kh\u1ecfi thi\u1ec7t h\u1ea1i do ch\u00e1y r\u1eebng.\nV\u00ed d\u1ee5, sau khi m\u1ed9t \u0111\u00e1m ch\u00e1y r\u1eebng qu\u00e9t qua Fort McMurray \u1edf Alberta, Canada, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m Canada \u0111\u00e3 cung c\u1ea5p c\u00e1c kho\u1ea3n thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e2y d\u1ef1ng l\u1ea1i nh\u00e0 c\u1ee7a h\u1ecd \u1edf m\u1ed9t khu v\u1ef1c \u00edt b\u1ecb ch\u00e1y r\u1eebng h\u01a1n.\nH\u01a1n 25% kh\u00e1ch h\u00e0ng b\u1ecb \u1ea3nh h\u01b0\u1edfng \u0111\u00e3 ch\u1ecdn chuy\u1ec3n nh\u00e0, Tara Laidman<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m Canada The Co-operators cho bi\u1ebft.\nNh\u1eefng ng\u01b0\u1eddi kh\u00e1c x\u00e2y d\u1ef1ng l\u1ea1i \u1edf c\u00f9ng m\u1ed9t v\u1ecb tr\u00ed, nh\u01b0ng \u0111\u1ea7u t\u01b0 v\u00e0o v\u1eadt li\u1ec7u x\u00e2y d\u1ef1ng ch\u1ed1ng ch\u00e1y. <\/p>\n\n

Laidman n\u00f3i: “Fort McMurray b\u00e2y gi\u1edd l\u00e0 m\u1ed9t c\u1ed9ng \u0111\u1ed3ng ki\u00ean c\u01b0\u1eddng h\u01a1n nhi\u1ec1u, \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u1edf l\u1ea1i t\u1ed1t h\u01a1n. “<\/p>\n\n

C\u00e1c m\u1ed1i \u0111e d\u1ecda ch\u00e1y r\u1eebng c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp t\u1ee5c, v\u00e0 th\u1eadm ch\u00ed t\u0103ng l\u00ean, trong m\u1ed9t th\u1eddi gian.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n nh\u1eefng c\u00e1ch th\u1ee9c m\u1edbi \u0111\u1ec3 giao ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n hi\u1ec7u qu\u1ea3 h\u01a1n \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u00e0 \u1ee9ng ph\u00f3 v\u1edbi r\u1ee7i ro v\u00e0 thi\u1ec7t h\u1ea1i ch\u00e1y r\u1eebng. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: nisanga\/\u00a9123RF.com, Suwat Supachavinswad\/\u00a9123RF.com, Tirachard Kumtanom\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

N\u0103m 2018, ch\u00ednh ph\u1ee7 li\u00ean bang Hoa K\u1ef3 \u0111\u00e3 chi h\u01a1n 3 t\u1ef7 \u0111\u00f4 la \u0111\u1ec3 ch\u1ed1ng ch\u00e1y r\u1eebng lan r\u1ed9ng tr\u00ean 8,7 tri\u1ec7u m\u1eabu Anh c\u1ee7a Hoa K\u1ef3, theo d\u1eef li\u1ec7u t\u1eeb Trung t\u00e2m C\u1ee9u h\u1ecfa Li\u00ean ng\u00e0nh Qu\u1ed1c gia. Ch\u00ednh quy\u1ec1n ti\u1ec3u bang v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng c\u0169ng \u0111\u00e3 chi h\u00e0ng tri\u1ec7u \u0111\u00f4 la […]<\/p>\n","protected":false},"featured_media":9136,"template":"","insight-category":[],"class_list":["post-19804","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/9136"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19804"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}