Seguros contra lo peor

En los casi seis meses posteriores al huracán Katrina que destruyó la mitad de Nueva Orleáns, las esperanzas de ayuda de las víctimas de la tormenta han muerto, lo que ha creado un legado de amargura. Ese legado puede ser aún más doloroso si consideramos que muchos dueños de casas sufrieron pérdidas devastadoras innecesarias por no tener un seguro o porque los que tenían eran insuficientes, frecuentemente debido a la creencia de que no podían pagar una cobertura adecuada.

Las catástrofes futuras -tormentas, terremotos, tsunamis, erupciones volcánicas, incendios forestales, u otras crisis ambientales, enfermedades epidémicas o ataques terroristas- podrían conducir al mismo tipo de problemas. Por eso es importante considerar las causas de la insuficiencia de los seguros y si nuestras instituciones de seguros son adecuadas para los riesgos a los que nos enfrentamos.

Según un informe del Instituto de Información sobre Seguros, casi el 70% de las reclamaciones de los propietarios en Lousiana se resolvieron a fines de enero por un total de 7.5 mil millones de dólares. Suena bien, pero hubo aproximadamente 200,000 propiedades sufrieron daños severos o que resultaron destruidas totalmente, por lo que la cantidad total significa menos de 40,000 dólares por casa -cantidad muy inferior a lo requerido.

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