\nFaptul c\u0103 SUA se confrunt\u0103 cu o criz\u0103 imobiliar\u0103 nu mai e niciun secret. Locuin\u0163ele au contribuit cel mai mult la cre\u015fterea infla\u0163iei \u00een ultimii doi ani, scrie Financial Times<\/p>\n
\n\u00cens\u0103 la aceast\u0103 criz\u0103 se mai adaug\u0103 o problem\u0103. Cei care \u00ee\u015fi permit o locuin\u0163\u0103, nu au nicio garan\u0163ie c\u0103 o pot asigura. Costul asigur\u0103rilor a crescut puternic, iar \u00een anumite state precum Louisiana, costurile s-au majorat \u015fi cu 63%.<\/p>\n
\nState precum Florida devin imposibil de asigurat, deoarece furnizorii p\u0103r\u0103sesc pia\u0163a.<\/p>\n
\nMotorul principal al acestor probleme este reprezentat de schimb\u0103rile climatice \u015fi de riscul unor fenomene meteorologice mai severe, cum ar fi inunda\u0163iile, incendiile, furtunile \u015fi tornadele.<\/p>\n
\nDar exist\u0103 \u015fi al\u0163i factori \u00een joc. Printre ace\u015ftia se num\u0103r\u0103 adoptarea lent\u0103 a tehnologiilor de atenuare a riscurilor, e\u015fecul asigur\u0103torilor, al b\u0103ncilor \u015fi al autorit\u0103\u0163ilor publice de a g\u0103si abord\u0103ri comune \u00een ceea ce prive\u015fte \u00eemp\u0103r\u0163irea costurilor \u015fi opacitatea uria\u015f\u0103 de pe pia\u0163\u0103 – cel pu\u0163in pentru consumatori.<\/p>\n
\n\u00cen timpul c\u0103ut\u0103rii unui nou asigur\u0103tor, mul\u0163i americani s-au lovit de o pia\u0163\u0103 divizat\u0103 \u015fi ineficient\u0103.<\/p>\n
\nAstfel, ei sunt pu\u015fi \u00een situa\u0163ia de a alege s\u0103 \u00eencheie un contract cu asigur\u0103tori de lux care care ofer\u0103 o acoperire mult mai ampl\u0103, dar \u015fi mult mai scump\u0103 sau s\u0103 aleag\u0103 o asigurare de buget, care le-ar da \u00eenapoi doar un sfert din valoarea casei \u00een cazul \u00een care ea este distrus\u0103.<\/p>\n
\n\u00cen esen\u0163\u0103, asta \u00eenseamn\u0103 c\u0103 \u00een cazului unui incendiu, mul\u0163i americani vor r\u0103m\u00e2ne doar cu terenul pe care a fost construit\u0103 locuin\u0163a. Aceast\u0103 situa\u0163ie nu este izolat\u0103, \u015fi se extinde p\u00e2n\u0103 \u00een New York.<\/p>\n
\n\u00cen acest context, milioane de oameni au \u00eenceput s\u0103 se g\u00e2ndeasc\u0103 c\u0103 \u00een cazul unui dezastru, nu au de ales dec\u00e2t s\u0103 se mute undeva unde locuin\u0163ele sunt semnificativ mai ieftine. <\/p>\n
\nJohn Neal, \u015feful Lloyd`s of London, cel mai vechi asigurator din lume, atrage aten\u0163ia c\u0103 \u201eb\u0103ncile, asigur\u0103torii, autorit\u0103\u0163ile de reglementare \u015fi guvernele nu s-au a\u015fezat la mas\u0103 \u015fi nu au discutat despre cum s\u0103 \u00eempart\u0103 responsabilitatea pentru riscuri\u201d, iar aceast\u0103 lips\u0103 de comunicare a creat o criz\u0103 a asigur\u0103rilor care afecteaza milioane de oameni.<\/p>\n
\nP\u00e2n\u0103 c\u00e2nd aceast\u0103 dezbatere va avea loc, proprietarii de case trebuie s\u0103 se \u00eempace cu ideea c\u0103 sunt oric\u00e2nd supu\u015fi riscului de a-\u015fi pierde casa sau de a fi for\u0163a\u0163i s\u0103 pl\u0103teasc\u0103 mai mul\u0163i bani companiilor de asigur\u0103ri dac\u0103 vor s\u0103 \u00ee\u015fi protejeze locuin\u0163a de dezastre.<\/p>\n
\n <\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Faptul c\u0103 SUA se confrunt\u0103 cu o criz\u0103 imobiliar\u0103 nu mai e niciun secret. Locuin\u0163ele au contribuit cel mai mult la cre\u015fterea infla\u0163iei \u00een ultimii doi ani, scrie Financial Times \u00cens\u0103 la aceast\u0103 criz\u0103 se mai adaug\u0103 o problem\u0103. Cei care \u00ee\u015fi permit o locuin\u0163\u0103, nu au nicio garan\u0163ie c\u0103 o pot asigura. Costul asigur\u0103rilor […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[5453,182,14547,30,8686,6266,80],"class_list":["post-226318","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-casa","tag-criza","tag-garantie","tag-imobiliare","tag-maxim","tag-oameni","tag-refuz"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/226318","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=226318"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/226318\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=226318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=226318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=226318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}