为最严重的灾害投保

在卡特里娜飓风毁掉半个新奥尔良的半年后,很多飓风受害者的求助希望彻底破灭,从而引发了颇为痛苦的遗留问题。而想到很多屋主遭受到不必要损失,或者是由于未上保险或者由于自认为无力承担全部保费而选择不足额保险所致,我们便更加痛心疾首。

未来的各种灾难――暴风、地震、海啸、火山喷发、森林大火、农业或者其他环境危机、疫病,或者恐怖袭击――都会引发类似的问题。因此,我们很有必要去探寻不足额保险背后的各种原因以及我们的保险体系是否足以处理将要面对的各种风险。

保险资讯中心的一份报告显示,截至1月份,路易斯安纳州将近70%的屋主都已得到赔偿,赔偿总额达75亿美元。这听起来不错,但遭受严重毁坏或彻底毁坏的房屋达200,000座,因此平均每户只能得到不到40,000美元的赔偿费――这距离需要还远远不够。

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