​极端天气风险管理：当洪水及暴雨来袭

 

最近由于受到极端气候的影响，就在上周，河南郑州发生了近乎“千年一遇”的严重洪害，给本地居民带来了难以预计的人身和财产损失。其中，此次灾害理赔中，超80%都是车险理赔，剩下不到20%包括人身、家财、农田等损失的保险赔付。

 

 

反观澳洲本地，每年极端且多变的气候早已不是新鲜事。在2021年3月份，突如其来的大暴雨给悉尼沿海和昆士兰部分地区带来了几乎同样严重洪涝灾害，因此也引发了居民的临时撤离和大量的财产理赔。可见，在洪水高危地区做好防洪准备以及配置合适的保险方案是十分必要的。

 

 

保险配置

为了应对突发的洪水和风暴危机，我们建议对以下险种投保：

1.房屋险：(Home Insurance)

可以保障您的自住房主体部分以及室内财产的损坏，最大程度补偿损失。

2.房东险：（Landlord Insurance）

可以保障您的投资房，以及提供给租客使用的室内家具财产等。

3.私家车险：(Private Motor Vehicle Insurance)

综合汽车保险可以保障自然灾害以及人为事故对车辆的毁坏。

4.商用车险：（Commercial Motor Vehicle Insurance）

与私人车险功能类似，综合商用车险专门赔付商务用车的损坏以及维修费用。

5. 商业保险: (Business Insurance)

适用于所有中小微型生意规模和生意类型。

– 可以赔付普通的商业财损失例如：厂房，原料，机器设备，存货等。

– 也可保障由于事故造成的的营业中断损失。

6. 农业保险：（Farm Insurance）

为了减少极端自然灾害给农业带来毁灭性打击，农业从业者普遍给庄家，禽类，畜类农舍，机器等资产配置了完备的保险方案。

 

结语：

虽然澳洲80%地区的洪水风险等级都较低，但是州之间的差别非常大，例如昆士兰的洪水风险就非常高，因此昂贵的房屋险价格也远高于其他州。因此，希望各位物业持有者和投资者们尽早建立一套专属于自己的风险管控方案，及时配置财产保险，从容应对未来的自然灾害。同时，也欢迎您参考奥成保险的保险服务列表，选择适合您的商业保险。

奥成保险为客户提供风险查勘、风险评估、风险管控、办理保险、安排分保、协助索赔等一系列保险经纪服务。我们对国际保险市场具有敏锐的洞察力，与各大保险承销商建立了长期友好、信任的合作关系。这使我们能够为客户争取到最优的承保条件和最有竞争力的价格。。

本文内容不构成保险意见， 并非专业的法律建议，不应完全依赖文中内容。本文仅用于概述总结关注事项，

并未做到详尽无遗。依据本文任何内容采取行动前，敬请自行征询业保险人士或其他专业人士意见。

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