{"id":19807,"date":"2024-09-20T13:07:42","date_gmt":"2024-09-20T18:07:42","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e9%87%8e%e7%81%ab%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e5%95%86%e4%b8%9a%e5%92%8c%e6%88%bf%e4%b8%bb%e4%bf%9d%e9%99%a9\/"},"modified":"2024-09-20T13:07:48","modified_gmt":"2024-09-20T18:07:48","slug":"%e9%87%8e%e7%81%ab%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e5%95%86%e4%b8%9a%e5%92%8c%e6%88%bf%e4%b8%bb%e4%bf%9d%e9%99%a9","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e9%87%8e%e7%81%ab%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e5%95%86%e4%b8%9a%e5%92%8c%e6%88%bf%e4%b8%bb%e4%bf%9d%e9%99%a9\/","title":{"rendered":"\u91ce\u706b\u5982\u4f55\u5f71\u54cd\u5546\u4e1a\u548c\u623f\u4e3b\u4fdd\u9669"},"content":{"rendered":"\n<p>\u6839\u636e <a href=\"https:\/\/www.nifc.gov\/fireInfo\/fireInfo_documents\/SuppCosts.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u56fd\u5bb6\u8de8\u90e8\u95e8\u6d88\u9632\u4e2d\u5fc3<\/a>\u7684\u6570\u636e\uff0c2018 \u5e74\uff0c\u7f8e\u56fd\u8054\u90a6\u653f\u5e9c\u82b1\u8d39\u4e86\u8d85\u8fc7 30 \u4ebf\u7f8e\u5143\u6765\u6251\u706d\u8513\u5ef6\u5230 870 \u4e07\u82f1\u4ea9\u571f\u5730\u7684\u91ce\u706b\u3002\n\u5dde\u548c\u5730\u65b9\u653f\u5e9c\u8fd8\u82b1\u8d39\u4e86\u6570\u767e\u4e07\u7f8e\u5143\u6765\u6251\u706d\u91ce\u706b\u3001\u8b66\u544a\u5c45\u6c11\u4ee5\u53ca\u89e3\u51b3\u758f\u6563\u548c\u91cd\u5efa\u9700\u6c42\u3002 <\/p>\n\n<p>\u7531\u4e8e\u6c14\u5019\u53d8\u5316\u7ee7\u7eed\u4e3a\u706b\u707e\u63d0\u4f9b\u7406\u60f3\u7684\u6761\u4ef6\uff0c\u9884\u8ba1\u91ce\u706b\u6210\u672c\u5c06\u4fdd\u6301\u9ad8\u4f4d\u3002\n\u4fdd\u9669\u516c\u53f8\u9700\u8981\u4ece\u73b0\u6709\u7684\u91ce\u706b\u4fe1\u606f\u4e2d\u5b66\u4e60\uff0c\u5e76\u627e\u5230 <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/commercial-reinsurance-ecosystem?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.33.1725204964040&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\u89e3\u51b3\u6301\u7eed\u98ce\u9669<\/a>\u7684\u65b0\u65b9\u6cd5\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">2020 \u5e74\u7684\u91ce\u706b\u72b6\u51b5<\/h2>\n\n<p>\u5728\u7f8e\u56fd\u897f\u90e8\u548c\u5176\u4ed6\u56fd\u5bb6\uff08\u5305\u62ec\u52a0\u62ff\u5927\u548c\u6fb3\u5927\u5229\u4e9a\uff09\uff0c\u91ce\u706b\u4ecd\u7136\u662f\u4e00\u4e2a\u65e5\u76ca\u4e25\u91cd\u7684\u95ee\u9898\u3002\n\u4ec5\u5728\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\uff0c2020 \u5e74 8 \u6708\u4e2d\u65ec\u81f3 9 \u6708\u521d\u5c31\u62a5\u544a\u4e86\u8d85\u8fc7 875 \u8d77\u706b\u707e\u3002\n <a href=\"https:\/\/www.nytimes.com\/2020\/09\/02\/climate\/wildfires-insurance.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u514b\u91cc\u65af\u6258\u5f17\u00b7\u5f17\u62c9\u7ef4\u5c14 \uff08Christopher Flavelle<\/a> \uff09 \u5728\u300a\u7ebd\u7ea6\u65f6\u62a5\u300b\u4e0a\u5199\u9053\uff0c\u8fd9\u4e9b\u5927\u706b\u70e7\u6bc1\u4e86\u8fd1 150 \u4e07\u82f1\u4ea9\u7684\u571f\u5730\uff0c\u635f\u574f\u4e86 2,800 \u591a\u5ea7\u4f4f\u5b85\u548c\u5546\u4e1a\u5efa\u7b51\uff0c\u5e76\u4f7f\u7ea6 40,000 \u540d\u5c45\u6c11\u6d41\u79bb\u5931\u6240\u3002  <\/p>\n\n<p>\u5230 2020 \u5e74 10 \u6708\uff0c\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\u88ab\u70e7\u6bc1\u7684\u82f1\u4ea9\u571f\u5730\u6570\u91cf\u8d85\u8fc7 400 \u4e07\u82f1\u4ea9\uff0c\u521b\u4e0b\u4e86\u8be5\u5dde\u7684\u65b0\u7eaa\u5f55\uff0cNBC \u65b0\u95fb\u7684 <a href=\"https:\/\/www.nbcnews.com\/news\/us-news\/california-exceeds-4-million-acres-burned-wildfires-2020-n1242078\" target=\"_blank\" rel=\"noreferrer noopener\">\u8482\u59c6\u00b7\u65af\u7279\u6d1b \uff08Tim Stelloh<\/a> \uff09 \u5199\u9053\u3002\n\u6839\u636e\u52a0\u5dde\u6d88\u9632\u673a\u6784 <a href=\"https:\/\/www.fire.ca.gov\/media\/11416\/top20_acres.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Cal Fire<\/a> \u7684\u6570\u636e\uff0c\u52a0\u5dde\u5386\u53f2\u4e0a\u6700\u5927\u7684 20 \u573a\u91ce\u706b\u4e2d\u6709 6 \u573a\u53d1\u751f\u5728 2020 \u5e74\u3002 <\/p>\n\n<p>\u201c\u4eca\u5e74\u7684\u706b\u707e\u6392\u653e\u91cf\u8fdc\u8fdc\u8d85\u8fc7\u4e86\u5176\u4ed6\u6240\u6709\u5e74\u4efd\u7684\u5e74\u5ea6\u603b\u91cf\uff0c\u201d\u7f8e\u56fd\u5b87\u822a\u5c40\u6208\u8fbe\u5fb7\u751f\u7269\u5708\u79d1\u5b66\u5b9e\u9a8c\u5ba4\u4e3b\u4efb <a href=\"https:\/\/www.bbc.com\/news\/world-us-canada-54180049\" target=\"_blank\" rel=\"noreferrer noopener\">\u9053\u683c\u62c9\u65af\u00b7\u83ab\u987f \uff08Douglas Morton<\/a>\uff09 \u8bf4\u3002<\/p>\n\n<p>\u6839\u636e\u7f8e\u56fd\u56fd\u5bb6\u8de8\u90e8\u95e8\u6d88\u9632\u4e2d\u5fc3 \uff08NIFC\uff09 \u7684\u6700\u65b0\u6d88\u606f\uff0c\u5230 2020 \u5e74\u5e95\u548c 2021 \u5e74\u521d\uff0c\u7f8e\u56fd\u7684\u91ce\u706b\u98ce\u9669\u53ef\u80fd\u4ecd\u7136\u5f88\u9ad8\u3002\n <a href=\"https:\/\/www.predictiveservices.nifc.gov\/outlooks\/monthly_seasonal_outlook.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">NIFC<\/a> \u8868\u793a\uff0c\u9884\u8ba1\u5e72\u65f1\u6761\u4ef6\u3001\u5927\u98ce\u548c\u9ad8\u4e8e\u5e73\u5747\u6c34\u5e73\u7684\u6c14\u6e29\u4e0d\u4ec5\u4f1a\u589e\u52a0\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\u7684\u706b\u707e\u98ce\u9669\uff0c\u8fd8\u4f1a\u589e\u52a0\u5357\u90e8\u5e73\u539f\u5404\u5dde\u7684\u706b\u707e\u98ce\u9669\u3002 <\/p>\n\n<p>\u968f\u7740\u91ce\u706b\u7684\u589e\u52a0\uff0c\u98ce\u9669\u6700\u9ad8\u5730\u533a\u7684\u4fdd\u9669\u53ef\u7528\u6027\u6b63\u5728\u4e0b\u964d\u3002\n\u6839\u636e <a href=\"http:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2019\/upload\/nr063_factsheetwildfire.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u52a0\u5dde\u4fdd\u9669\u90e8<\/a>\u7684\u6570\u636e\uff0c\u201c\u4ece 2015 \u5e74\u5230 2018 \u5e74\uff0c\u5728\u52a0\u5dde\u9ad8\u98ce\u9669\u6216\u6781\u9ad8\u98ce\u9669\u5730\u533a\u623f\u5c4b\u6700\u591a\u7684 10 \u4e2a\u53bf\uff0c\u81ea\u613f\u4fdd\u9669\u5e02\u573a\u7684\u65b0\u4fdd\u5355\u548c\u7eed\u4fdd\u4fdd\u5355\u6570\u91cf\u4e0b\u964d\u4e86 8,700 \u4efd\u201d\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/reviewing-construction-plans-1024x682.jpg\" alt=\"\" class=\"wp-image-9117\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/reviewing-construction-plans-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/reviewing-construction-plans-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/reviewing-construction-plans-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/reviewing-construction-plans.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u91ce\u706b\uff1a\u5bb6\u5ead\u548c\u4f01\u4e1a\u4fdd\u9669\u516c\u53f8\u9762\u4e34\u7684\u6311\u6218<\/h2>\n\n<p>\u521b\u7eaa\u5f55\u7684\u91ce\u706b\u5b63\u8282\u5c06\u7ed9\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u6311\u6218\uff0c\u5373\u4f7f\u8fd9\u662f\u7ed9\u5b9a\u5e74\u4efd\u53d1\u751f\u7684\u552f\u4e00\u4e8b\u4ef6\u3002\n\u7136\u800c\uff0c\u9664\u4e86 COVID-19 \u5927\u6d41\u884c\u4e4b\u5916\uff0c\u521b\u7eaa\u5f55\u7684\u91ce\u706b\u6b63\u5728\u5c06\u4fdd\u9669\u516c\u53f8\u63a8\u5411\u6781\u9650\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u6c14\u5019\u53d8\u5316\u5bfc\u81f4\u91ce\u706b\u98ce\u9669<\/h3>\n\n<p>\u6c14\u5019\u53d8\u5316\u53ca\u5176\u5bf9\u5929\u6c14\u6a21\u5f0f\u7684\u5f71\u54cd\u7ee7\u7eed\u63a8\u52a8\u91ce\u706b\u3002\n\u867d\u7136\u4eca\u5e74\u7684\u51e0\u573a\u91ce\u706b\u662f\u7531\u95ea\u7535\u6216\u4eba\u7c7b\u884c\u4e3a\u5f15\u53d1\u7684\uff0c\u4f46\u521b\u7eaa\u5f55\u7684\u9ad8\u6e29\u3001\u5f02\u5e38\u4f4e\u7684\u6e7f\u5ea6\u6c34\u5e73\u3001\u5927\u98ce\u548c\u5e72\u65f1\u7b49\u5929\u6c14\u6761\u4ef6\u52a0\u5267\u4e86\u706b\u707e\u5371\u9669\u3002 <\/p>\n\n<p>\u201c\u6211\u4eec\u7ecf\u5386\u4e86\u4e00\u573a\u5b8c\u7f8e\u7684\u6c14\u8c61\u56e0\u7d20\u98ce\u66b4\uff0c\u52a9\u957f\u4e86\u6781\u7aef\u71c3\u70e7\uff0c\u201d\u7f8e\u56fd\u5b87\u822a\u5c40\u5730\u7403\u5e94\u7528\u79d1\u5b66\u8ba1\u5212\uff08Earth Applied Sciences Program\uff09\u91ce\u751f\u52a8\u7269\u7814\u7a76\u526f\u9879\u76ee\u7ecf\u7406 <a href=\"https:\/\/earthobservatory.nasa.gov\/images\/147277\/historic-fires-devastate-the-us-pacific-coast\" target=\"_blank\" rel=\"noreferrer noopener\">\u6587\u68ee\u7279\u00b7\u5b89\u5e03\u7f57\u897f\u4e9a\uff08Vincent Ambrosia<\/a>\uff09\u8bf4\u3002\n\u5728\u53e4\u8001\u68ee\u6797\u4e2d\u5927\u91cf\u5e72\u71e5\u690d\u88ab\u7684\u52a9\u957f\u4e0b\uff0c\u91ce\u706b\u51c6\u5907\u9020\u6210\u6781\u7aef\u7834\u574f\uff0c\u800c\u4e14\u5b83\u4eec\u786e\u5b9e\u505a\u5230\u4e86\u3002 <\/p>\n\n<p>\u6c14\u5019\u53d8\u5316\u53ef\u80fd\u4f1a\u7ee7\u7eed\u6210\u4e3a\u91ce\u706b\u548c\u5176\u4ed6\u81ea\u7136\u707e\u5bb3\u7684\u4e00\u4e2a\u56e0\u7d20\u3002\n\u7136\u800c\uff0c\u4eba\u7c7b\u8fd8\u6ca1\u6709\u7ecf\u5386\u8fc7\u50cf\u6c14\u5019\u53d8\u5316\u6a21\u578b\u9884\u6d4b\u7684\u90a3\u6837\u5168\u7403\u6c14\u6e29\u6781\u7aef\u4e0a\u5347\u7684\u65f6\u671f\u3002\n\u56e0\u6b64\uff0c\u6839\u636e\u524d\u51e0\u5e74\u7684\u6570\u636e\u505a\u51fa\u4fdd\u9669\u51b3\u7b56\u53ef\u80fd\u4e0d\u8db3\u4ee5\u6e05\u695a\u5730\u4e86\u89e3\u5373\u5c06\u5230\u6765\u7684\u98ce\u9669\uff0c\u54e5\u4f26\u6bd4\u4e9a\u5927\u5b66\u56fd\u5bb6\u5907\u707e\u4e2d\u5fc3\u4e3b\u4efb <a href=\"https:\/\/www.marketplace.org\/2020\/09\/10\/insurance-companies-face-own-risks-wildfires-continue\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jeff Schlegelmilch<\/a> \u8bf4\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u4f4f\u623f\u6a21\u5f0f\u548c\u73af\u5883\u5f71\u54cd\u4e5f\u4f1a\u589e\u52a0\u98ce\u9669<\/h3>\n\n<p>\u4e0e\u8fc7\u53bb\u51e0\u5341\u5e74\u76f8\u6bd4\uff0c\u91ce\u706b\u5e26\u6765\u7684\u98ce\u9669\u4e5f\u66f4\u5927\uff0c\u56e0\u4e3a\u4f4f\u623f\u5f00\u53d1\u6a21\u5f0f\u5c06\u66f4\u591a\u623f\u5c4b\u7f6e\u4e8e\u9ad8\u98ce\u9669\u5730\u533a\u3002\n\u4f8b\u5982\uff0c\u52a0\u5dde\u4e2a\u4eba\u4fdd\u9669\u8054\u5408\u4f1a\u4e3b\u5e2d <a href=\"https:\/\/www.ppic.org\/blog\/growing-damages-from-wildfires-burn-the-insurance-industry\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u96f7\u514b\u65af\u00b7\u5f17\u96f7\u6cfd \uff08Rex Frazier<\/a>\uff09 \u8bf4\uff0c\u867d\u7136 1964 \u5e74\u7684\u6c49\u5229\u5927\u706b\u70e7\u6bc1\u4e86\u4e0d\u5230 200 \u5ea7\u5efa\u7b51\u7269\uff0c\u4f46 2017 \u5e74\u7684\u5854\u5e03\u65af\u5927\u706b\u8986\u76d6\u4e86\u540c\u4e00\u533a\u57df\uff0c\u635f\u574f\u4e86 5,000 \u591a\u5ea7\u5efa\u7b51\u7269\u3002 <\/p>\n\n<p>\u201c\u5730\u5f62\u6ca1\u6709\u6539\u53d8\uff0c\u4f46\u8be5\u5730\u533a\u7684\u5efa\u7b51\u53d1\u751f\u4e86\u53d8\u5316\uff0c\u201dFrazier \u8bf4\u3002\n\u5bf9\u4e8e\u4fdd\u9669\u516c\u53f8\u6765\u8bf4\uff0c\u5728\u9ad8\u98ce\u9669\u533a\u57df\u8fdb\u884c\u66f4\u591a\u7684\u5efa\u8bbe\u610f\u5473\u7740\u5728\u53d1\u751f\u706b\u707e\u65f6\u635f\u5931\u66f4\u5927\u3002 <\/p>\n\n<p>\u91ce\u706b\u8fd8\u589e\u52a0\u4e86\u5176\u4ed6\u7c7b\u578b\u635f\u5bb3\u7684\u98ce\u9669\uff0c\u5305\u62ec\u6ce5\u77f3\u6d41\u3001\u6ce5\u77f3\u6d41\u548c\u66b4\u98ce\u96e8\u671f\u95f4\u5012\u4e0b\u7684\u6811\u6728\u3002<\/p>\n\n<p>\u4eca\u5e74\u79cb\u5929\u4fc4\u52d2\u5188\u5dde\u7684\u6f6e\u6e7f\u5929\u6c14\u4ee5\u53ca\u5927\u98ce\u5929\u6c14\u5bfc\u81f4\u5730\u65b9\u5f53\u5c40\u8b66\u544a\u4fc4\u52d2\u5188\u5dde\u5c45\u6c11\u6ce8\u610f\u6f5c\u5728\u5371\u9669\u3002\n\u4fc4\u52d2\u5188\u5dde\u9a6c\u91cc\u6069\u53bf\u8b66\u957f\u529e\u516c\u5ba4\u7684\u8b66\u957f <a href=\"https:\/\/www.iii.org\/insuranceindustryblog\/category\/wildfires\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6770\u91cc\u7c73\u00b7\u5170\u5fb7\u65af \uff08Jeremy Landers<\/a>\uff09 \u8bf4\uff0c\u91ce\u706b\u540e\u7684\u5f3a\u98ce\u548c\u5927\u96e8\u9020\u6210\u7684\u9053\u8def\u5371\u9669\u6bd4\u6ca1\u6709\u91ce\u706b\u7834\u574f\u7684\u7c7b\u4f3c\u98ce\u66b4\u53ef\u80fd\u9020\u6210\u7684\u9053\u8def\u5371\u9669\u66f4\u591a\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u5171\u540c\u7ba1\u7406\u91ce\u706b\u548c\u6d41\u884c\u75c5<\/h3>\n\n<p>\u91ce\u706b\u7ee7\u7eed\u5728\u7f8e\u56fd\u591a\u4e2a\u5730\u533a\u8086\u8650\u3002\n\u5728\u51e0\u4e2a\u7f8e\u56fd\u6cd5\u9662\uff0c\u5173\u4e8e\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u662f\u5426\u9002\u7528\u4e8e COVID-19 \u7d22\u8d54\u7684\u4e89\u8bba\u4ecd\u5728\u7ee7\u7eed\u3002 <\/p>\n\n<p>\u5927\u6d41\u884c\u548c\u91ce\u706b\u90fd\u6784\u6210\u4e86\u91cd\u5927\u800c\u5e7f\u6cdb\u7684\u98ce\u9669\uff0c\u8fd9\u7ed9\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u4e86\u65b0\u7684\u95ee\u9898\u3002\n\u6b63\u5982\u5f8b\u5e08 <a href=\"https:\/\/www.policyholderpulse.com\/valuing-business-interruption-claims-wildfires-covid-19\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bryan J. Coffey<\/a> \u6240\u6307\u51fa\u7684\u90a3\u6837\uff0c\u786e\u5b9a\u4fdd\u5355\u7684\u5408\u9002\u4ef7\u683c\u6216\u7d22\u8d54\u7684\u4ef7\u503c\u53d6\u51b3\u4e8e\u4fdd\u9669\u516c\u53f8\u4f9d\u8d56\u6b63\u5e38\u6216\u5178\u578b\u4e1a\u52a1\u4e8b\u4ef6\u548c\u9884\u6d4b\u7684\u80fd\u529b\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u5728\u5927\u6d41\u884c\u4e2d\uff0c\u8bb8\u591a\u56e0\u7d20\u4e0d\u518d\u6b63\u5e38\u6216\u5178\u578b\u3002\n\u786e\u5b9a\u5982\u4f55\u4e3a\u53d7\u91ce\u706b\u5a01\u80c1\u7684\u8d22\u4ea7\u6295\u4fdd\u6216\u5982\u4f55\u7ba1\u7406\u7d22\u8d54\u53ef\u80fd\u66f4\u5177\u6311\u6218\u6027\u3002 <\/p>\n\n<p>\u7531\u4e8e\u9700\u8981\u66f4\u52a0\u5173\u6ce8\u4ed6\u4eec\u7684\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u8303\u56f4\uff0c\u5546\u4e1a\u4fdd\u9669\u5ba2\u6237\u73b0\u5728\u4e5f\u66f4\u52a0\u4e86\u89e3\u4ed6\u4eec\u7684\u4fdd\u9669\u5728\u53d1\u751f\u706b\u707e\u65f6\u53ef\u80fd\u6db5\u76d6\u7684\u5185\u5bb9\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u8bb8\u591a\u5546\u4e1a\u4fdd\u5355\u6db5\u76d6\u4e86\u5bf9\u4f01\u4e1a\u9020\u6210\u7269\u7406\u635f\u5931\u6216\u635f\u5bb3\u7684\u6240\u6709\u98ce\u9669\uff0cHayes and Boone \u5f8b\u5e08\u4e8b\u52a1\u6240\u7684 <a href=\"https:\/\/www.lexology.com\/library\/detail.aspx?g=5fbd53eb-340a-49d3-acce-0cb4d61ac0da\" target=\"_blank\" rel=\"noreferrer noopener\">Micah E. Skidmore<\/a> \u5199\u9053\u3002\n\u6b64\u7c7b\u4fdd\u5355\u53ef\u80fd\u4e0d\u6db5\u76d6\u706b\u707e\u9020\u6210\u7684\u635f\u5bb3\uff0c\u8fd8\u6db5\u76d6\u91ce\u706b\u63a5\u8fd1\u4f46\u5b9e\u9645\u4e0a\u5e76\u672a\u88ab\u91ce\u706b\u541e\u566c\u7684\u7ed3\u6784\u5185\u7684\u70df\u96fe\u548c\u70df\u7070\u635f\u5bb3\u3002\n\u968f\u7740\u4fdd\u9669\u5ba2\u6237\u5bf9\u81ea\u5df1\u7684\u4fdd\u5355\u8d8a\u6765\u8d8a\u719f\u6089\uff0c\u4ed6\u4eec\u4e5f\u53ef\u80fd\u5728\u8bb0\u5f55\u635f\u574f\u548c\u63d0\u51fa\u7d22\u8d54\u65b9\u9762\u53d8\u5f97\u66f4\u52a0\u7cbe\u786e\u3002  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-contract-agreement-1024x682.jpg\" alt=\"\" class=\"wp-image-9137\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-contract-agreement-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-contract-agreement-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-contract-agreement-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-contract-agreement.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u9669\u516c\u53f8\u5982\u4f55\u89c4\u5212\u672a\u6765<\/h2>\n\n<p>\u968f\u7740\u91ce\u706b\u3001\u6d2a\u6c34\u548c\u6c14\u5019\u53d8\u5316\u7684\u5176\u4ed6\u5f71\u54cd\u589e\u52a0\u4e86\u5bf9\u5bb6\u5ead\u548c\u4f01\u4e1a\u8d22\u4ea7\u7684\u5a01\u80c1\uff0c\u4fdd\u9669\u516c\u53f8\u53d1\u73b0\u81ea\u5df1\u6b63\u5728\u52aa\u529b\u5e73\u8861\u5bf9\u6301\u7eed\u5ba2\u6237\u5173\u7cfb\u7684\u9700\u6c42\u4e0e\u4e3a\u9ad8\u98ce\u9669\u8d22\u4ea7\u6295\u4fdd\u7684\u8d22\u52a1\u4e0d\u786e\u5b9a\u6027\u3002<\/p>\n\n<p>\u201c2017 \u5e74\u548c 2018 \u5e74\u7684\u706b\u707e\u4f7f\u4e09\u5341\u5e74\u7684\u5229\u6da6\u84b8\u53d1\u4e86\u4e00\u500d\u591a\u3002\u5b83\u4f7f\u8fd9\u4e9b\u5229\u6da6\u84b8\u53d1\u4e86\u4e24\u500d\uff0c\u201c\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5927\u5b66\u6c83\u987f\u98ce\u9669\u4e2d\u5fc3\u6267\u884c\u8463\u4e8b <a href=\"https:\/\/www.marketplace.org\/2020\/08\/31\/insurance-increasingly-unaffordable-as-climate-change-brings-more-disasters\/\" target=\"_blank\" rel=\"noreferrer noopener\">Carolyn Kousky \u535a\u58eb<\/a>\u8bf4\u3002<\/p>\n\n<p>\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\uff0c\u50cf\u8fd9\u6837\u7684\u635f\u5931\u662f\u4e0d\u53ef\u6301\u7eed\u7684\u3002\nKousky \u6307\u51fa\uff0c\u968f\u7740\u91ce\u706b\u7ee7\u7eed\u5e2d\u5377\u7f8e\u56fd\u897f\u90e8\u548c\u5176\u4ed6\u56fd\u5bb6\/\u5730\u533a\uff0c\u4fdd\u9669\u516c\u53f8\u6b63\u5728\u91cd\u65b0\u8003\u8651\u662f\u5426\u4ee5\u53ca\u5982\u4f55\u4e3a\u91ce\u706b\u591a\u53d1\u5730\u533a\u7684\u5bb6\u5ead\u548c\u4f01\u4e1a\u63d0\u4f9b\u4fdd\u9669\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u5e94\u5bf9\u65b0\u6cd5\u89c4<\/h3>\n\n<p>\u65b0\u7684\u5dde\u548c\u8054\u90a6\u6cd5\u89c4\u7ed9\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u4e86\u6311\u6218\u3002\n\u4f8b\u5982\uff0c\u798f\u5e03\u65af\u7684 <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/california-wildfire-insurance-future\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7ea6\u7ff0\u00b7\u4f0a\u6839 \uff08John Egan\uff09 \u548c\u827e\u7c73\u00b7\u4e39\u5c3c\u65af \uff08Amy Danise<\/a> \uff09 \u5199\u9053\uff0c\u4f8b\u5982\uff0c2020 \u5e74\u7684\u91ce\u706b\u4fc3\u4f7f\u52a0\u5dde\u4fdd\u9669\u4e13\u5458\u5bfb\u6c42\u4e0e\u4fdd\u9669\u516c\u53f8\u8fbe\u6210\u65b0\u7684\u5b89\u6392\uff0c\u89e3\u51b3\u7528\u4e8e\u8bbe\u5b9a\u4fdd\u9669\u8d39\u7387\u7684\u56e0\u7d20\u3002 <\/p>\n\n<p>\u52a0\u5dde\u4fdd\u9669\u4e13\u5458\u4e4b\u524d\u66fe\u4ecb\u5165\u89e3\u51b3\u91ce\u706b\u635f\u5931\u7684\u4fdd\u9669\u8303\u56f4\u95ee\u9898\u3002\n\u4f8b\u5982\uff0c2019 \u5e74 12 \u6708\uff0c\u5dde\u4fdd\u9669\u4e13\u5458\u53d1\u5e03\u4e86\u4e3a\u671f\u4e00\u5e74\u7684\u6682\u505c\u4ee4\uff0c\u7981\u6b62\u4fdd\u9669\u516c\u53f8\u5728\u91ce\u706b\u5a01\u80c1\u5730\u533a\u6295\u653e\u4fdd\u9669\u5ba2\u6237\u3002\n\u7f8e\u8054\u793e\u7684\u4e9a <a href=\"https:\/\/abcnews.go.com\/Business\/wireStory\/california-protect-insurance-policies-wildfire-areas-67530578\" target=\"_blank\" rel=\"noreferrer noopener\">\u5f53\u00b7\u6bd4\u59c6 \uff08Adam Beam<\/a> \uff09 \u5199\u9053\uff0c\u7981\u6b62\u653e\u5f03\u4fdd\u9669\u5f71\u54cd\u4e86\u5168\u5dde\u7ea6 800,000 \u4efd\u4fdd\u5355\u3002  <\/p>\n\n<p>\u5c55\u671b\u672a\u6765\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u9700\u8981\u4e86\u89e3\u5dde\u548c\u8054\u90a6\u6cd5\u89c4\u3002\n\u4ed6\u4eec\u53ef\u80fd\u8fd8\u9700\u8981\u5728\u6559\u80b2\u5b98\u5458\u4e86\u89e3\u4fdd\u9669\u8303\u56f4\u7684\u5b9a\u4ef7\u65b9\u9762\u53d1\u6325\u66f4\u79ef\u6781\u7684\u4f5c\u7528\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u5e2e\u52a9\u623f\u4e3b\u548c\u4f01\u4e1a\u5b89\u5168\u5730\u91cd\u5efa<\/h3>\n\n<p>\u91cd\u5efa\u6210\u672c\u662f\u8986\u76d6\u91ce\u706b\u98ce\u9669\u548c\u89e3\u51b3\u7d22\u8d54\u7684\u5173\u952e\u3002\n\u4f8b\u5982\uff0c\u6839\u636e\u7a46\u8fea <a href=\"https:\/\/www.insurancejournal.com\/news\/west\/2020\/09\/17\/582984.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u7684\u4e00\u4efd\u62a5\u544a<\/a>\uff0c\u622a\u81f3 2020 \u5e74 9 \u6708\uff0c\u4fc4\u52d2\u5188\u5dde\u3001\u534e\u76db\u987f\u5dde\u548c\u5176\u4ed6\u5dde\u7684\u91ce\u706b\u6467\u6bc1\u4e86\u7ea6 3,865 \u5ea7\u5efa\u7b51\u7269\uff0c\u4f46\u9884\u8ba1\u8fd9\u4e9b\u5dde\u7684\u91cd\u5efa\u6210\u672c\u5c06\u4f4e\u4e8e\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\uff0c\u56e0\u4e3a\u623f\u5730\u4ea7\u3001\u6750\u6599\u548c\u52b3\u52a8\u529b\u901a\u5e38\u66f4\u4fbf\u5b9c\u3002 <\/p>\n\n<p>\u968f\u7740\u4e1a\u4e3b\u91cd\u5efa\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u6fc0\u52b1\u4ed6\u4eec\u505a\u51fa\u6539\u53d8\uff0c\u4ee5\u4fdd\u62a4\u4ed6\u4eec\u7684\u8d22\u4ea7\u514d\u53d7\u91ce\u706b\u635f\u5bb3\u3002\n\u4f8b\u5982\uff0c\u5728\u52a0\u62ff\u5927\u963f\u5c14\u4f2f\u5854\u7701\u7684\u9ea6\u514b\u9ed8\u91cc\u5821\u53d1\u751f\u91ce\u706b\u540e\uff0c\u52a0\u62ff\u5927\u4fdd\u9669\u516c\u53f8\u4e3a\u5ba2\u6237\u63d0\u4f9b\u73b0\u91d1\u7ed3\u7b97\uff0c\u4ee5\u4fbf\u5728\u91ce\u706b\u4e0d\u592a\u5bb9\u6613\u53d1\u751f\u7684\u5730\u533a\u91cd\u5efa\u623f\u5c4b\u3002\n\u52a0\u62ff\u5927\u4fdd\u9669\u516c\u53f8 The Co-operators \u7684\u52a9\u7406\u526f\u603b\u88c1 <a href=\"https:\/\/www.reuters.com\/article\/us-wildfire-insurance-climate-change-ana\/burned-by-wildfire-losses-insurance-industry-rethinks-risks-idUSKBN1ZL2RA\" target=\"_blank\" rel=\"noreferrer noopener\">Tara Laidman<\/a> \u8bf4\uff0c\u8d85\u8fc7 25% \u7684\u53d7\u5f71\u54cd\u5ba2\u6237\u9009\u62e9\u642c\u5bb6\u3002\n\u5176\u4ed6\u5b66\u6821\u5728\u540c\u4e00\u5730\u70b9\u91cd\u5efa\uff0c\u4f46\u6295\u8d44\u4e8e\u8010\u706b\u5efa\u7b51\u6750\u6599\u3002   <\/p>\n\n<p>\u201c\u9ea6\u514b\u9ed8\u91cc\u5821\u73b0\u5728\u662f\u4e00\u4e2a\u66f4\u5177\u5f39\u6027\u7684\u793e\u533a\uff0c\u91cd\u5efa\u5f97\u66f4\u597d\uff0c\u201d\u83b1\u5fb7\u66fc\u8bf4\u3002<\/p>\n\n<p>\u91ce\u706b\u5a01\u80c1\u53ef\u80fd\u4f1a\u6301\u7eed\u4e00\u6bb5\u65f6\u95f4\uff0c\u751a\u81f3\u589e\u52a0\u3002\n\u4fdd\u9669\u516c\u53f8\u5c06\u9700\u8981\u65b0\u7684\u4e0e\u5ba2\u6237\u6c9f\u901a\u7684\u65b9\u5f0f\uff0c\u4ee5\u53ca\u66f4\u6709\u6548\u7684\u65b9\u6cd5\u6765\u8bc4\u4f30\u548c\u5e94\u5bf9\u91ce\u706b\u98ce\u9669\u548c\u635f\u5931\u3002 <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1anisanga\/\u00a9123RF.com\u3001Suwat Supachavinswad\/\u00a9123RF.com\u3001Tirachard Kumtanom\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6839\u636e \u56fd\u5bb6\u8de8\u90e8\u95e8\u6d88\u9632\u4e2d\u5fc3\u7684\u6570\u636e\uff0c2018 \u5e74\uff0c\u7f8e\u56fd\u8054\u90a6\u653f\u5e9c\u82b1\u8d39\u4e86\u8d85\u8fc7 30 \u4ebf\u7f8e\u5143\u6765\u6251\u706d\u8513\u5ef6\u5230 870 \u4e07\u82f1\u4ea9 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