{"id":19769,"date":"2024-09-20T13:06:43","date_gmt":"2024-09-20T18:06:43","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e9%87%8e%e7%81%ab%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%95%86%e6%a5%ad%e5%92%8c%e6%88%bf%e4%b8%bb%e4%bf%9d%e9%9a%aa\/"},"modified":"2024-09-20T13:06:50","modified_gmt":"2024-09-20T18:06:50","slug":"%e9%87%8e%e7%81%ab%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%95%86%e6%a5%ad%e5%92%8c%e6%88%bf%e4%b8%bb%e4%bf%9d%e9%9a%aa","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e9%87%8e%e7%81%ab%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%95%86%e6%a5%ad%e5%92%8c%e6%88%bf%e4%b8%bb%e4%bf%9d%e9%9a%aa\/","title":{"rendered":"\u91ce\u706b\u5982\u4f55\u5f71\u97ff\u5546\u696d\u548c\u623f\u4e3b\u4fdd\u96aa"},"content":{"rendered":"\n<p>\u6839\u64da <a href=\"https:\/\/www.nifc.gov\/fireInfo\/fireInfo_documents\/SuppCosts.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u570b\u5bb6\u8de8\u90e8\u9580\u6d88\u9632\u4e2d\u5fc3<\/a>\u7684\u6578\u64da\uff0c2018\u5e74\uff0c\u7f8e\u570b\u806f\u90a6\u653f\u5e9c\u82b1\u8cbb\u4e86\u8d85\u904e 30 \u5104\u7f8e\u5143\u4f86\u64b2\u6ec5\u8513\u5ef6\u5230 870 \u842c\u82f1\u755d\u571f\u5730\u7684\u91ce\u706b\u3002\n\u5dde\u548c\u5730\u65b9\u653f\u5e9c\u9084\u82b1\u8cbb\u4e86\u6578\u767e\u842c\u7f8e\u5143\u4f86\u64b2\u6ec5\u91ce\u706b\u3001\u8b66\u544a\u5c45\u6c11\u4ee5\u53ca\u89e3\u6c7a\u758f\u6563\u548c\u91cd\u5efa\u9700\u6c42\u3002 <\/p>\n\n<p>\u7531\u65bc\u6c23\u5019\u8b8a\u5316\u7e7c\u7e8c\u70ba\u706b\u707d\u63d0\u4f9b\u7406\u60f3\u7684\u689d\u4ef6\uff0c\u9810\u8a08\u91ce\u706b\u6210\u672c\u5c07\u4fdd\u6301\u9ad8\u4f4d\u3002\n\u4fdd\u96aa\u516c\u53f8\u9700\u8981\u5f9e\u73fe\u6709\u7684\u91ce\u706b\u8cc7\u8a0a\u4e2d\u5b78\u7fd2\uff0c\u4e26\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\u6c7a\u6301\u7e8c\u98a8\u96aa<\/a>\u7684\u65b0\u65b9\u6cd5\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">2020 \u5e74\u7684\u91ce\u706b\u72c0\u6cc1<\/h2>\n\n<p>\u5728\u7f8e\u570b\u897f\u90e8\u548c\u5176\u4ed6\u570b\u5bb6\uff08\u5305\u62ec\u52a0\u62ff\u5927\u548c\u6fb3\u5927\u5229\u4e9e\uff09\uff0c\u91ce\u706b\u4ecd\u7136\u662f\u4e00\u500b\u65e5\u76ca\u56b4\u91cd\u7684\u554f\u984c\u3002\n\u50c5\u5728\u52a0\u5229\u798f\u5c3c\u4e9e\u5dde\uff0c2020 \u5e74 8 \u6708\u4e2d\u65ec\u81f3 9 \u6708\u521d\u5c31\u5831\u544a\u4e86\u8d85\u904e 875 \u8d77\u706b\u707d\u3002\n <a href=\"https:\/\/www.nytimes.com\/2020\/09\/02\/climate\/wildfires-insurance.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u514b\u88e1\u65af\u6258\u5f17\u00b7\u5f17\u62c9\u7dad\u723e \uff08Christopher Flavelle<\/a> \uff09 \u5728\u300a\u7d10\u7d04\u6642\u5831\u300b\u4e0a\u5beb\u9053\uff0c\u9019\u4e9b\u5927\u706b\u71d2\u6bc0\u4e86\u8fd1 150 \u842c\u82f1\u755d\u7684\u571f\u5730\uff0c\u640d\u58de\u4e86 2,800 \u591a\u5ea7\u4f4f\u5b85\u548c\u5546\u696d\u5efa\u7bc9\uff0c\u4e26\u4f7f\u7d04 40,000 \u540d\u5c45\u6c11\u6d41\u96e2\u5931\u6240\u3002  <\/p>\n\n<p>\u5230 2020 \u5e74 10 \u6708\uff0c\u52a0\u5229\u798f\u5c3c\u4e9e\u5dde\u88ab\u71d2\u6bc0\u7684\u82f1\u755d\u571f\u5730\u6578\u91cf\u8d85\u904e 400 \u842c\u82f1\u755d\uff0c\u5275\u4e0b\u4e86\u8a72\u5dde\u7684\u65b0\u7d00\u9304\uff0cNBC \u65b0\u805e\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 \u5beb\u9053\u3002\n\u6839\u64da\u52a0\u5dde\u6d88\u9632\u6a5f\u69cb <a href=\"https:\/\/www.fire.ca.gov\/media\/11416\/top20_acres.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Cal Fire<\/a> \u7684\u6578\u64da\uff0c\u52a0\u5dde\u6b77\u53f2\u4e0a\u6700\u5927\u7684 20 \u5834\u91ce\u706b\u4e2d\u6709 6 \u5834\u767c\u751f\u5728 2020 \u5e74\u3002 <\/p>\n\n<p>\u201c\u4eca\u5e74\u7684\u706b\u707d\u6392\u653e\u91cf\u9060\u9060\u8d85\u904e\u4e86\u5176\u4ed6\u6240\u6709\u5e74\u4efd\u7684\u5e74\u5ea6\u7e3d\u91cf\uff0c\u201d\u7f8e\u570b\u5b87\u822a\u5c40\u6208\u9054\u5fb7\u751f\u7269\u5708\u79d1\u5b78\u5be6\u9a57\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\u9813 \uff08Douglas Morton<\/a>\uff09 \u8aaa\u3002<\/p>\n\n<p>\u6839\u64da\u7f8e\u570b\u570b\u5bb6\u8de8\u90e8\u9580\u6d88\u9632\u4e2d\u5fc3 \uff08NIFC\uff09 \u7684\u6700\u65b0\u6d88\u606f\uff0c\u5230 2020 \u5e74\u5e95\u548c 2021 \u5e74\u521d\uff0c\u7f8e\u570b\u7684\u91ce\u706b\u98a8\u96aa\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\u9810\u8a08\u4e7e\u65f1\u689d\u4ef6\u3001\u5927\u98a8\u548c\u9ad8\u65bc\u5e73\u5747\u6c34\u6e96\u7684\u6c23\u6eab\u4e0d\u50c5\u6703\u589e\u52a0\u52a0\u5229\u798f\u5c3c\u4e9e\u5dde\u7684\u706b\u707d\u98a8\u96aa\uff0c\u9084\u6703\u589e\u52a0\u5357\u90e8\u5e73\u539f\u5404\u5dde\u7684\u706b\u707d\u98a8\u96aa\u3002 <\/p>\n\n<p>\u96a8\u8457\u91ce\u706b\u7684\u589e\u52a0\uff0c\u98a8\u96aa\u6700\u9ad8\u5730\u5340\u7684\u4fdd\u96aa\u53ef\u7528\u6027\u6b63\u5728\u4e0b\u964d\u3002\n\u6839\u64da <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\u96aa\u90e8<\/a>\u7684\u6578\u64da\uff0c\u201c\u5f9e 2015 \u5e74\u5230 2018 \u5e74\uff0c\u5728\u52a0\u5dde\u9ad8\u98a8\u96aa\u6216\u6975\u9ad8\u98a8\u96aa\u5730\u5340\u623f\u5c4b\u6700\u591a\u7684 10 \u500b\u7e23\uff0c\u81ea\u9858\u4fdd\u96aa\u5e02\u5834\u7684\u65b0\u4fdd\u55ae\u548c\u7e8c\u4fdd\u4fdd\u55ae\u6578\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\u696d\u4fdd\u96aa\u516c\u53f8\u9762\u81e8\u7684\u6311\u6230<\/h2>\n\n<p>\u5275\u7d00\u9304\u7684\u91ce\u706b\u5b63\u7bc0\u5c07\u7d66\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u6311\u6230\uff0c\u5373\u4f7f\u9019\u662f\u7d66\u5b9a\u5e74\u4efd\u767c\u751f\u7684\u552f\u4e00\u4e8b\u4ef6\u3002\n\u7136\u800c\uff0c\u9664\u4e86 COVID-19 \u5927\u6d41\u884c\u4e4b\u5916\uff0c\u5275\u7d00\u9304\u7684\u91ce\u706b\u6b63\u5728\u5c07\u4fdd\u96aa\u516c\u53f8\u63a8\u5411\u6975\u9650\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u6c23\u5019\u8b8a\u5316\u5c0e\u81f4\u91ce\u706b\u98a8\u96aa<\/h3>\n\n<p>\u6c23\u5019\u8b8a\u5316\u53ca\u5176\u5c0d\u5929\u6c23\u6a21\u5f0f\u7684\u5f71\u97ff\u7e7c\u7e8c\u63a8\u52d5\u91ce\u706b\u3002\n\u96d6\u7136\u4eca\u5e74\u7684\u5e7e\u5834\u91ce\u706b\u662f\u7531\u9583\u96fb\u6216\u4eba\u985e\u884c\u70ba\u5f15\u767c\u7684\uff0c\u4f46\u5275\u7d00\u9304\u7684\u9ad8\u6eab\u3001\u7570\u5e38\u4f4e\u7684\u6fd5\u5ea6\u6c34\u6e96\u3001\u5927\u98a8\u548c\u4e7e\u65f1\u7b49\u5929\u6c23\u689d\u4ef6\u52a0\u5287\u4e86\u706b\u707d\u5371\u96aa\u3002 <\/p>\n\n<p>\u201c\u6211\u5011\u7d93\u6b77\u4e86\u4e00\u5834\u5b8c\u7f8e\u7684\u6c23\u8c61\u56e0\u7d20\u98a8\u66b4\uff0c\u52a9\u9577\u4e86\u6975\u7aef\u71c3\u71d2\uff0c\u201d\u7f8e\u570b\u5b87\u822a\u5c40\u5730\u7403\u61c9\u7528\u79d1\u5b78\u8a08\u5283\uff08Earth Applied Sciences Program\uff09\u91ce\u751f\u52d5\u7269\u7814\u7a76\u526f\u9805\u76ee\u7d93\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\u7f85\u897f\u4e9e\uff08Vincent Ambrosia<\/a>\uff09\u8aaa\u3002\n\u5728\u53e4\u8001\u68ee\u6797\u4e2d\u5927\u91cf\u4e7e\u71e5\u690d\u88ab\u7684\u52a9\u9577\u4e0b\uff0c\u91ce\u706b\u6e96\u5099\u9020\u6210\u6975\u7aef\u7834\u58de\uff0c\u800c\u4e14\u5b83\u5011\u78ba\u5be6\u505a\u5230\u4e86\u3002 <\/p>\n\n<p>\u6c23\u5019\u8b8a\u5316\u53ef\u80fd\u6703\u7e7c\u7e8c\u6210\u70ba\u91ce\u706b\u548c\u5176\u4ed6\u81ea\u7136\u707d\u5bb3\u7684\u4e00\u500b\u56e0\u7d20\u3002\n\u7136\u800c\uff0c\u4eba\u985e\u9084\u6c92\u6709\u7d93\u6b77\u904e\u50cf\u6c23\u5019\u8b8a\u5316\u6a21\u578b\u9810\u6e2c\u7684\u90a3\u6a23\u5168\u7403\u6c23\u6eab\u6975\u7aef\u4e0a\u5347\u7684\u6642\u671f\u3002\n\u56e0\u6b64\uff0c\u6839\u64da\u524d\u5e7e\u5e74\u7684\u6578\u64da\u505a\u51fa\u4fdd\u96aa\u6c7a\u7b56\u53ef\u80fd\u4e0d\u8db3\u4ee5\u6e05\u695a\u5730\u77ad\u89e3\u5373\u5c07\u5230\u4f86\u7684\u98a8\u96aa\uff0c\u54e5\u502b\u6bd4\u4e9e\u5927\u5b78\u570b\u5bb6\u5099\u707d\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> \u8aaa\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u4f4f\u623f\u6a21\u5f0f\u548c\u74b0\u5883\u5f71\u97ff\u4e5f\u6703\u589e\u52a0\u98a8\u96aa<\/h3>\n\n<p>\u8207\u904e\u53bb\u5e7e\u5341\u5e74\u76f8\u6bd4\uff0c\u91ce\u706b\u5e36\u4f86\u7684\u98a8\u96aa\u4e5f\u66f4\u5927\uff0c\u56e0\u70ba\u4f4f\u623f\u958b\u767c\u6a21\u5f0f\u5c07\u66f4\u591a\u623f\u5c4b\u7f6e\u65bc\u9ad8\u98a8\u96aa\u5730\u5340\u3002\n\u4f8b\u5982\uff0c\u52a0\u5dde\u500b\u4eba\u4fdd\u96aa\u806f\u5408\u6703\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\u6fa4 \uff08Rex Frazier<\/a>\uff09 \u8aaa\uff0c\u96d6\u7136 1964 \u5e74\u7684\u6f22\u5229\u5927\u706b\u71d2\u6bc0\u4e86\u4e0d\u5230 200 \u5ea7\u5efa\u7bc9\u7269\uff0c\u4f46 2017 \u5e74\u7684\u5854\u5e03\u65af\u5927\u706b\u8986\u84cb\u4e86\u540c\u4e00\u5340\u57df\uff0c\u640d\u58de\u4e86 5,000 \u591a\u5ea7\u5efa\u7bc9\u7269\u3002 <\/p>\n\n<p>\u201c\u5730\u5f62\u6c92\u6709\u6539\u8b8a\uff0c\u4f46\u8a72\u5730\u5340\u7684\u5efa\u7bc9\u767c\u751f\u4e86\u8b8a\u5316\uff0c\u201dFrazier \u8aaa\u3002\n\u5c0d\u65bc\u4fdd\u96aa\u516c\u53f8\u4f86\u8aaa\uff0c\u5728\u9ad8\u98a8\u96aa\u5340\u57df\u9032\u884c\u66f4\u591a\u7684\u5efa\u8a2d\u610f\u5473\u8457\u5728\u767c\u751f\u706b\u707d\u6642\u640d\u5931\u66f4\u5927\u3002 <\/p>\n\n<p>\u91ce\u706b\u9084\u589e\u52a0\u4e86\u5176\u4ed6\u985e\u578b\u640d\u5bb3\u7684\u98a8\u96aa\uff0c\u5305\u62ec\u6ce5\u77f3\u6d41\u3001\u6ce5\u77f3\u6d41\u548c\u66b4\u98a8\u96e8\u671f\u9593\u5012\u4e0b\u7684\u6a39\u6728\u3002<\/p>\n\n<p>\u4eca\u5e74\u79cb\u5929\u4fc4\u52d2\u5ca1\u5dde\u7684\u6f6e\u6fd5\u5929\u6c23\u4ee5\u53ca\u5927\u98a8\u5929\u6c23\u5c0e\u81f4\u5730\u65b9\u7576\u5c40\u8b66\u544a\u4fc4\u52d2\u5ca1\u5dde\u5c45\u6c11\u6ce8\u610f\u6f5b\u5728\u5371\u96aa\u3002\n\u4fc4\u52d2\u5ca1\u5dde\u99ac\u91cc\u6069\u7e23\u8b66\u9577\u8fa6\u516c\u5ba4\u7684\u8b66\u9577 <a href=\"https:\/\/www.iii.org\/insuranceindustryblog\/category\/wildfires\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5091\u91cc\u7c73\u00b7\u862d\u5fb7\u65af \uff08Jeremy Landers<\/a>\uff09 \u8aaa\uff0c\u91ce\u706b\u540e\u7684\u5f37\u98a8\u548c\u5927\u96e8\u9020\u6210\u7684\u9053\u8def\u5371\u96aa\u6bd4\u6c92\u6709\u91ce\u706b\u7834\u58de\u7684\u985e\u4f3c\u98a8\u66b4\u53ef\u80fd\u9020\u6210\u7684\u9053\u8def\u5371\u96aa\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\u7e7c\u7e8c\u5728\u7f8e\u570b\u591a\u500b\u5730\u5340\u8086\u8650\u3002\n\u5728\u5e7e\u500b\u7f8e\u570b\u6cd5\u9662\uff0c\u95dc\u65bc\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u662f\u5426\u9069\u7528\u65bc COVID-19 \u7d22\u8ce0\u7684\u722d\u8ad6\u4ecd\u5728\u7e7c\u7e8c\u3002 <\/p>\n\n<p>\u5927\u6d41\u884c\u548c\u91ce\u706b\u90fd\u69cb\u6210\u4e86\u91cd\u5927\u800c\u5ee3\u6cdb\u7684\u98a8\u96aa\uff0c\u9019\u7d66\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u4e86\u65b0\u7684\u554f\u984c\u3002\n\u6b63\u5982\u5f8b\u5e2b <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\u6a23\uff0c\u78ba\u5b9a\u4fdd\u55ae\u7684\u5408\u9069\u50f9\u683c\u6216\u7d22\u8ce0\u7684\u50f9\u503c\u53d6\u6c7a\u65bc\u4fdd\u96aa\u516c\u53f8\u4f9d\u8cf4\u6b63\u5e38\u6216\u5178\u578b\u696d\u52d9\u4e8b\u4ef6\u548c\u9810\u6e2c\u7684\u80fd\u529b\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u5728\u5927\u6d41\u884c\u4e2d\uff0c\u8a31\u591a\u56e0\u7d20\u4e0d\u518d\u6b63\u5e38\u6216\u5178\u578b\u3002\n\u78ba\u5b9a\u5982\u4f55\u70ba\u53d7\u91ce\u706b\u5a01\u8105\u7684\u8ca1\u7522\u6295\u4fdd\u6216\u5982\u4f55\u7ba1\u7406\u7d22\u8ce0\u53ef\u80fd\u66f4\u5177\u6311\u6230\u6027\u3002 <\/p>\n\n<p>\u7531\u65bc\u9700\u8981\u66f4\u52a0\u95dc\u6ce8\u4ed6\u5011\u7684\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u7bc4\u570d\uff0c\u5546\u696d\u4fdd\u96aa\u5ba2\u6236\u73fe\u5728\u4e5f\u66f4\u52a0\u4e86\u89e3\u4ed6\u5011\u7684\u4fdd\u96aa\u5728\u767c\u751f\u706b\u707d\u6642\u53ef\u80fd\u6db5\u84cb\u7684\u5167\u5bb9\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u8a31\u591a\u5546\u696d\u4fdd\u55ae\u6db5\u84cb\u4e86\u5c0d\u4f01\u696d\u9020\u6210\u7269\u7406\u640d\u5931\u6216\u640d\u5bb3\u7684\u6240\u6709\u98a8\u96aa\uff0cHayes and Boone \u5f8b\u5e2b\u4e8b\u52d9\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> \u5beb\u9053\u3002\n\u6b64\u985e\u4fdd\u55ae\u53ef\u80fd\u4e0d\u6db5\u84cb\u706b\u707d\u9020\u6210\u7684\u640d\u5bb3\uff0c\u9084\u6db5\u84cb\u91ce\u706b\u63a5\u8fd1\u4f46\u5be6\u969b\u4e0a\u4e26\u672a\u88ab\u91ce\u706b\u541e\u566c\u7684\u7d50\u69cb\u5167\u7684\u7159\u9727\u548c\u7159\u7070\u640d\u5bb3\u3002\n\u96a8\u8457\u4fdd\u96aa\u5ba2\u6236\u5c0d\u81ea\u5df1\u7684\u4fdd\u55ae\u8d8a\u4f86\u8d8a\u719f\u6089\uff0c\u4ed6\u5011\u4e5f\u53ef\u80fd\u5728\u8a18\u9304\u640d\u58de\u548c\u63d0\u51fa\u7d22\u8ce0\u65b9\u9762\u8b8a\u5f97\u66f4\u52a0\u7cbe\u78ba\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\u96aa\u516c\u53f8\u5982\u4f55\u898f\u5283\u672a\u4f86<\/h2>\n\n<p>\u96a8\u8457\u91ce\u706b\u3001\u6d2a\u6c34\u548c\u6c23\u5019\u8b8a\u5316\u7684\u5176\u4ed6\u5f71\u97ff\u589e\u52a0\u4e86\u5c0d\u5bb6\u5ead\u548c\u4f01\u696d\u8ca1\u7522\u7684\u5a01\u8105\uff0c\u4fdd\u96aa\u516c\u53f8\u767c\u73fe\u81ea\u5df1\u6b63\u5728\u52aa\u529b\u5e73\u8861\u5c0d\u6301\u7e8c\u5ba2\u6236\u95dc\u4fc2\u7684\u9700\u6c42\u8207\u70ba\u9ad8\u98a8\u96aa\u8ca1\u7522\u6295\u4fdd\u7684\u8ca1\u52d9\u4e0d\u78ba\u5b9a\u6027\u3002<\/p>\n\n<p>\u201c2017 \u5e74\u548c 2018 \u5e74\u7684\u706b\u707d\u4f7f\u4e09\u5341\u5e74\u7684\u5229\u6f64\u84b8\u767c\u4e86\u4e00\u500d\u591a\u3002\u5b83\u4f7f\u9019\u4e9b\u5229\u6f64\u84b8\u767c\u4e86\u5169\u500d\uff0c\u300c\u8cd3\u5915\u6cd5\u5c3c\u4e9e\u5927\u5b78\u6c83\u9813\u98a8\u96aa\u4e2d\u5fc3\u57f7\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>\u8aaa\u3002<\/p>\n\n<p>\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u50cf\u9019\u6a23\u7684\u640d\u5931\u662f\u4e0d\u53ef\u6301\u7e8c\u7684\u3002\nKousky \u6307\u51fa\uff0c\u96a8\u8457\u91ce\u706b\u7e7c\u7e8c\u5e2d\u6372\u7f8e\u570b\u897f\u90e8\u548c\u5176\u4ed6\u570b\u5bb6\/\u5730\u5340\uff0c\u4fdd\u96aa\u516c\u53f8\u6b63\u5728\u91cd\u65b0\u8003\u616e\u662f\u5426\u4ee5\u53ca\u5982\u4f55\u70ba\u91ce\u706b\u591a\u767c\u5730\u5340\u7684\u5bb6\u5ead\u548c\u4f01\u696d\u63d0\u4f9b\u4fdd\u96aa\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u61c9\u5c0d\u65b0\u6cd5\u898f<\/h3>\n\n<p>\u65b0\u7684\u5dde\u548c\u806f\u90a6\u6cd5\u898f\u7d66\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u4e86\u6311\u6230\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\">\u7d04\u7ff0\u00b7\u4f0a\u6839 \uff08John Egan\uff09 \u548c\u827e\u7c73\u00b7\u4e39\u5c3c\u65af \uff08Amy Danise<\/a> \uff09 \u5beb\u9053\uff0c\u4f8b\u5982\uff0c2020 \u5e74\u7684\u91ce\u706b\u4fc3\u4f7f\u52a0\u5dde\u4fdd\u96aa\u5c08\u54e1\u5c0b\u6c42\u8207\u4fdd\u96aa\u516c\u53f8\u9054\u6210\u65b0\u7684\u5b89\u6392\uff0c\u89e3\u6c7a\u7528\u65bc\u8a2d\u5b9a\u4fdd\u96aa\u8cbb\u7387\u7684\u56e0\u7d20\u3002 <\/p>\n\n<p>\u52a0\u5dde\u4fdd\u96aa\u5c08\u54e1\u4e4b\u524d\u66fe\u4ecb\u5165\u89e3\u6c7a\u91ce\u706b\u640d\u5931\u7684\u4fdd\u96aa\u7bc4\u570d\u554f\u984c\u3002\n\u4f8b\u5982\uff0c2019\u5e7412\u6708\uff0c\u5dde\u4fdd\u96aa\u5c08\u54e1\u767c\u4f48\u4e86\u70ba\u671f\u4e00\u5e74\u7684\u66ab\u505c\u4ee4\uff0c\u7981\u6b62\u4fdd\u96aa\u516c\u53f8\u5728\u91ce\u706b\u5a01\u8105\u5730\u5340\u6295\u653e\u4fdd\u96aa\u5ba2\u6236\u3002\n\u7f8e\u806f\u793e\u7684\u4e9e <a href=\"https:\/\/abcnews.go.com\/Business\/wireStory\/california-protect-insurance-policies-wildfire-areas-67530578\" target=\"_blank\" rel=\"noreferrer noopener\">\u7576\u00b7\u6bd4\u59c6 \uff08Adam Beam<\/a> \uff09 \u5beb\u9053\uff0c\u7981\u6b62\u653e\u68c4\u4fdd\u96aa\u5f71\u97ff\u4e86\u5168\u5dde\u7d04 800,000 \u4efd\u4fdd\u55ae\u3002  <\/p>\n\n<p>\u5c55\u671b\u672a\u4f86\uff0c\u4fdd\u96aa\u516c\u53f8\u5c07\u9700\u8981\u77ad\u89e3\u5dde\u548c\u806f\u90a6\u6cd5\u898f\u3002\n\u4ed6\u5011\u53ef\u80fd\u9084\u9700\u8981\u5728\u6559\u80b2\u5b98\u54e1\u77ad\u89e3\u4fdd\u96aa\u7bc4\u570d\u7684\u5b9a\u50f9\u65b9\u9762\u767c\u63ee\u66f4\u7a4d\u6975\u7684\u4f5c\u7528\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u8aac\u660e\u623f\u4e3b\u548c\u4f01\u696d\u5b89\u5168\u5730\u91cd\u5efa<\/h3>\n\n<p>\u91cd\u5efa\u6210\u672c\u662f\u8986\u84cb\u91ce\u706b\u98a8\u96aa\u548c\u89e3\u6c7a\u7d22\u8ce0\u7684\u95dc\u9375\u3002\n\u4f8b\u5982\uff0c\u6839\u64da\u7a46\u8fea <a href=\"https:\/\/www.insurancejournal.com\/news\/west\/2020\/09\/17\/582984.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u7684\u4e00\u4efd\u5831\u544a<\/a>\uff0c\u622a\u81f3 2020 \u5e74 9 \u6708\uff0c\u4fc4\u52d2\u5ca1\u5dde\u3001\u83ef\u76db\u9813\u5dde\u548c\u5176\u4ed6\u5dde\u7684\u91ce\u706b\u6467\u6bc0\u4e86\u7d04 3,865 \u5ea7\u5efa\u7bc9\u7269\uff0c\u4f46\u9810\u8a08\u9019\u4e9b\u5dde\u7684\u91cd\u5efa\u6210\u672c\u5c07\u4f4e\u65bc\u52a0\u5229\u798f\u5c3c\u4e9e\u5dde\uff0c\u56e0\u70ba\u623f\u5730\u7522\u3001\u6750\u6599\u548c\u5de5\u4f5c\u529b\u901a\u5e38\u66f4\u4fbf\u5b9c\u3002 <\/p>\n\n<p>\u96a8\u8457\u696d\u4e3b\u91cd\u5efa\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u6fc0\u52f5\u4ed6\u5011\u505a\u51fa\u6539\u8b8a\uff0c\u4ee5\u4fdd\u8b77\u4ed6\u5011\u7684\u8ca1\u7522\u514d\u53d7\u91ce\u706b\u640d\u5bb3\u3002\n\u4f8b\u5982\uff0c\u5728\u52a0\u62ff\u5927\u963f\u723e\u4f2f\u5854\u7701\u7684\u9ea5\u514b\u9ed8\u91cc\u5821\u767c\u751f\u91ce\u706b\u540e\uff0c\u52a0\u62ff\u5927\u4fdd\u96aa\u516c\u53f8\u70ba\u5ba2\u6236\u63d0\u4f9b\u73fe\u91d1\u7d50\u7b97\uff0c\u4ee5\u4fbf\u5728\u91ce\u706b\u4e0d\u592a\u5bb9\u6613\u767c\u751f\u7684\u5730\u5340\u91cd\u5efa\u623f\u5c4b\u3002\n\u52a0\u62ff\u5927\u4fdd\u96aa\u516c\u53f8 The Co-operators \u7684\u52a9\u7406\u526f\u7e3d\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> \u8aaa\uff0c\u8d85\u904e 25% \u7684\u53d7\u5f71\u97ff\u5ba2\u6236\u9078\u64c7\u642c\u5bb6\u3002\n\u5176\u4ed6\u5b78\u6821\u5728\u540c\u4e00\u5730\u9ede\u91cd\u5efa\uff0c\u4f46\u6295\u8cc7\u65bc\u8010\u706b\u5efa\u7bc9\u6750\u6599\u3002   <\/p>\n\n<p>\u201c\u9ea5\u514b\u9ed8\u91cc\u5821\u73fe\u5728\u662f\u4e00\u500b\u66f4\u5177\u5f48\u6027\u7684\u793e\u5340\uff0c\u91cd\u5efa\u5f97\u66f4\u597d\uff0c\u201d\u840a\u5fb7\u66fc\u8aaa\u3002<\/p>\n\n<p>\u91ce\u706b\u5a01\u8105\u53ef\u80fd\u6703\u6301\u7e8c\u4e00\u6bb5\u6642\u9593\uff0c\u751a\u81f3\u589e\u52a0\u3002\n\u4fdd\u96aa\u516c\u53f8\u5c07\u9700\u8981\u65b0\u7684\u8207\u5ba2\u6236\u6e9d\u901a\u7684\u65b9\u5f0f\uff0c\u4ee5\u53ca\u66f4\u6709\u6548\u7684\u65b9\u6cd5\u4f86\u8a55\u4f30\u548c\u61c9\u5c0d\u91ce\u706b\u98a8\u96aa\u548c\u640d\u5931\u3002 <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1anisanga\/\u00a9123RF.com\u3001Suwat Supachavinswad\/\u00a9123RF.com\u3001Tirachard Kumtanom\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6839\u64da \u570b\u5bb6\u8de8\u90e8\u9580\u6d88\u9632\u4e2d\u5fc3\u7684\u6578\u64da\uff0c2018\u5e74\uff0c\u7f8e\u570b\u806f\u90a6\u653f\u5e9c\u82b1\u8cbb\u4e86\u8d85\u904e 30 \u5104\u7f8e\u5143\u4f86\u64b2\u6ec5\u8513\u5ef6\u5230 870 \u842c\u82f1\u755d\u571f [&hellip;]<\/p>\n","protected":false},"featured_media":9129,"template":"","insight-category":[],"class_list":["post-19769","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/19769","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/9129"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=19769"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=19769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}