Versicherung für den schlimmsten Fall

Seit Hurrikan Katrina vor fast sechs Monaten halb New Orleans zerstörte, wurden die Hoffnungen vieler Sturmopfer auf Hilfe zunichte gemacht, was ein Vermächtnis der Verbitterung hinterließ. Dieses Vermächtnis ist vielleicht noch schmerzlicher, wenn man bedenkt, dass viele Haus- und Wohnungseigentümer unnötig verheerende Verluste erlitten, weil sie nicht versichert oder unterversichert waren, oft in dem Glauben, dass sie sich die richtige Deckung nicht leisten könnten.

Zukünftige Katastrophen – Stürme, Erdbeben, Tsunamis, Vulkanausbrüche, Waldbrände, Agrar- oder andere Umweltkrisen, Epidemien oder Terroranschläge – werden wahrscheinlich ebensolche Probleme zur Folge haben. Daher ist es wichtig, über die Ursachen der Unterversicherung nachzudenken und abzuwägen, ob unsere Versicherungsanstalten den Risiken, die uns bedrohen, angemessen sind.

Laut eines Berichts des Insurance Information Institute wurden in Louisiana bis Ende Januar fast 70 % der Forderungen von Haus- und Wohnungseigentümern in einer Höhe von insgesamt $ 7,5 Milliarden reguliert. Das klingt gut, doch gab es ungefähr 200.000 Häuser und Wohnungen, die entweder stark beschädigt oder zerstört wurden, daher beträgt der Gesamtbetrag weniger als $ 40.000 pro Haus oder Wohnung – wesentlich weniger als das, was gebraucht wurde.

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