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Indemnifying against flood loss in a changing environment

Jill Morgan, Mark Stallworthy

Legal Studies, Volume: 33, Issue: 2, Pages: 239 - 263

Swansea University Authors: Jill Morgan, Mark Stallworthy

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DOI (Published version): 10.1111/j.1748-121X.2012.00245.x

Abstract

The UK – as with all other parts of the globe - is faced with new environmental uncertainties, particularly from climate change. Factors which threaten its existing flood loss indemnity regime regarding damage to property include greater ecological awareness on the part of policy makers, pressures t...

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Published in: Legal Studies
Published: 2013
URI: https://cronfa.swan.ac.uk/Record/cronfa13397
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spelling 2016-08-04T16:31:48.2415657 v2 13397 2012-11-29 Indemnifying against flood loss in a changing environment 69f8c85e88e03c5febe989933e7e1137 Jill Morgan Jill Morgan true false ae3977e1d74a9d308a8991f18d3482f8 Mark Stallworthy Mark Stallworthy true false 2012-11-29 LAWD The UK – as with all other parts of the globe - is faced with new environmental uncertainties, particularly from climate change. Factors which threaten its existing flood loss indemnity regime regarding damage to property include greater ecological awareness on the part of policy makers, pressures to limit public commitments to flood defence, and the growing technical ability of insurers to distinguish risk exposure across particular locations. Current reliance on the commercial insurance market is called into question, as general levels of insurance availability and affordability come under threat. Problems of take-up among particular groups will be exacerbated by more restricted availability or terms of cover which are likely increasingly to affect vulnerable individuals and communities. The changing law and policy environment involves challenges to the delicate public-private balance which has underpinned the current arrangements and has implications both for civil society and the insurance industry, as well as informing the extent to which alternative approaches might offer solutions. Journal Article Legal Studies 33 2 239 263 31 12 2013 2013-12-31 10.1111/j.1748-121X.2012.00245.x COLLEGE NANME Law COLLEGE CODE LAWD Swansea University 2016-08-04T16:31:48.2415657 2012-11-29T12:12:40.2127226 Faculty of Humanities and Social Sciences Hilary Rodham Clinton School of Law Jill Morgan 1 Mark Stallworthy 2
title Indemnifying against flood loss in a changing environment
spellingShingle Indemnifying against flood loss in a changing environment
Jill Morgan
Mark Stallworthy
title_short Indemnifying against flood loss in a changing environment
title_full Indemnifying against flood loss in a changing environment
title_fullStr Indemnifying against flood loss in a changing environment
title_full_unstemmed Indemnifying against flood loss in a changing environment
title_sort Indemnifying against flood loss in a changing environment
author_id_str_mv 69f8c85e88e03c5febe989933e7e1137
ae3977e1d74a9d308a8991f18d3482f8
author_id_fullname_str_mv 69f8c85e88e03c5febe989933e7e1137_***_Jill Morgan
ae3977e1d74a9d308a8991f18d3482f8_***_Mark Stallworthy
author Jill Morgan
Mark Stallworthy
author2 Jill Morgan
Mark Stallworthy
format Journal article
container_title Legal Studies
container_volume 33
container_issue 2
container_start_page 239
publishDate 2013
institution Swansea University
doi_str_mv 10.1111/j.1748-121X.2012.00245.x
college_str Faculty of Humanities and Social Sciences
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hierarchy_top_id facultyofhumanitiesandsocialsciences
hierarchy_top_title Faculty of Humanities and Social Sciences
hierarchy_parent_id facultyofhumanitiesandsocialsciences
hierarchy_parent_title Faculty of Humanities and Social Sciences
department_str Hilary Rodham Clinton School of Law{{{_:::_}}}Faculty of Humanities and Social Sciences{{{_:::_}}}Hilary Rodham Clinton School of Law
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description The UK – as with all other parts of the globe - is faced with new environmental uncertainties, particularly from climate change. Factors which threaten its existing flood loss indemnity regime regarding damage to property include greater ecological awareness on the part of policy makers, pressures to limit public commitments to flood defence, and the growing technical ability of insurers to distinguish risk exposure across particular locations. Current reliance on the commercial insurance market is called into question, as general levels of insurance availability and affordability come under threat. Problems of take-up among particular groups will be exacerbated by more restricted availability or terms of cover which are likely increasingly to affect vulnerable individuals and communities. The changing law and policy environment involves challenges to the delicate public-private balance which has underpinned the current arrangements and has implications both for civil society and the insurance industry, as well as informing the extent to which alternative approaches might offer solutions.
published_date 2013-12-31T03:15:19Z
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