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Extremwetterereignisse: Staatshilfe oder private Vorsorge – wer trägt die Kosten?. (2021). Wagner, Gert ; Osberghaus, Daniel ; Guin, Benjamin ; Garbarino, Nicola ; Berlemann, Michael ; Offermann, Frank ; Duden, Christoph ; Gross, Christian ; Roth, Markus ; Messari-Becker, Lamia ; Asmussen, Jorg ; Lee, Jonathan ; Schmitt, Jonas.
In: ifo Schnelldienst.
RePEc:ces:ifosdt:v:74:y:2021:i:11:p:03-28.

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  1. Antwi-Boasiako, B. A. (2014), Why Do Few Homeowners Insure Against Natural Catastrophe Losses?, Review of Economics 65(3), 217–240.

  2. Bechtel, M. M. und J. Hainmueller (2011), How Lasting Is Voter Gratitude ? An Analysis of the Short- and Long-Term Electoral Returns to Beneficial Policy, American Journal of Political Science 55(4), 852–868.
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  3. Daher plädiert der Verfasser für die Einführung einer Versicherungspflicht mit den oben skizzierten Eigenschaften – das heißt eine Versicherungspflicht als Basisversicherung, mit risikobasierten Prämien und mit begrenzten und kalkulierbaren Transfers aus einem staatlichen Katastrophenfonds, wo dies nötig ist. Als ersten Schritt sollten sich die Interessenvertreter über die Neuordnung des Versicherungsmarktes für Hochwasserschäden austauschen. Ein runder Tisch mit Vertreterinnen und Vertretern aus Versicherungswirtschaft, Verbraucherschutz, Wissenschaft und anderen Interessensgruppen könnte helfen, angemessene Maßnahmen für eine höhere Versicherungsdichte zu bestimmen. Die ökonomischen Konzepte hierfür liegen vor. LITERATUR Andor, M., D. Osberghaus und M. Simora (2020), Natural Disasters and Governmental Aid: Is there a Charity Hazard?, Ecological Economics 169, 106534.

  4. Davlasheridze, M. und Q. Miao (2019), Does Governmental Assistance Affect Private Decisions to Insure: An Empirical Analysis of Flood Insurance Purchases, Land Economics 95(1), 124–145.

  5. GDV – Gesamtverband der Deutschen Versicherungswirtschaft (2020), Naturgefahrenreport 2020 Die Schaden-Chronik der deutschen Versicherer, verfügbar unter: https://www.gdv.de/de/zahlen-und-fakten/ publikationen/naturgefahrenreport.
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  6. Hattermann, F. F., S. Huang, O. Burghoff, P. Hoffmann und Z. W. Kundzewicz (2016), Brief Communication: An Update of the Article Modelling Flood Damages under Climate Change Conditions – A Case Study for Germany, Natural Hazards and Earth System Sciences 16, 1617–1622.
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  7. Hudson, P., L. de Ruig, M. C. de Ruiter, O. J. Kuik, W. J. W. Botzen, X. Le Den, M. Persson, A. Benoist und C. N. Nielsen (2020), An Assessment of Best Practices of Extreme Weather Insurance and Directions for a More Resilient Society, Environmental Hazards 19(3), 301–321.
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  8. Hudson, P., W. J. W. Botzen, J. Czajkowski und H. Kreibich (2017), Moral Hazard in Natural Disaster Insurance Markets: Empirical Evidence from Germany and the United States, Land Economics 93(2), 179–208.

  9. Kousky, C., E. O. Michel-Kerjan und P. A. Raschky (2018), Does Federal Disaster Assistance Crowd Out Flood Insurance?, Journal of Environmental Economics and Management 87, 150–164.

  10. Kunreuther, H. (1984), Causes of Underinsurance against Natural Disasters , The Geneva Papers on Risk and Insurance 9(31), 206–220.
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  11. Kunreuther, H. (1996), Mitigating Disaster Losses Through Insurance, Journal of Risk and Uncertainty 12, 171–187.

  12. Landry, C. E., D. Turner und D. Petrolia (2021), Flood Insurance Market Penetration and Expectations of Disaster Assistance, Environmental & Resource Economics 79(2), 357–386.

  13. Neugart, M. und J. Rode (2021), Voting after a Major Flood: Is there a Link between Democratic Experience and Retrospective Voting?, European Economic Review 133, 103665.

  14. Osberghaus, D. und A. Philippi (2016), Private Hochwasservorsorge und Elementarschadenversicherung Moral Hazard, der Effekt von Informationskampagnen, und eine Versicherungsillusion, Zeitschrift für die gesamte Versicherungswissenschaft 105, 289–306.
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  15. Osberghaus, D. und H. Hinrichs (2021), The Effectiveness of a Large -Scale Flood Risk Awareness Campaign: Evidence from Two Panel Data Sets, Risk Analysis 41(6), 944–957.
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  16. Raschky, P. A. und H. Weck-Hannemann (2007), Charity Hazard – A Real Hazard to Natural Disaster Insurance?, Environmental Hazards 7(4), 321–329.

  17. Siehe: https://trends.google.de/trends/explore?q=elementarschadenversicherung &geo=DE, aufgerufen am 25. Oktober 2021.
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