Natural risks value insurers 5.7 billion euros | EUROtoday

Natural hazards brought about billions in Germany final yr. Cases alone for property and automobile insurers add as much as 5.7 billion euros, as may be seen from an outline of the general affiliation of the German Insurance Industry (GDV), which is out there to the dpa. That is about as a lot as in 2023. More than half of it involved the 2 South international locations Bavaria and Baden-Württemberg. There had been extreme floods there a yr in the past.

The total harm is more likely to be considerably greater, since not every thing is insured. For the flood final yr, there have been estimates for Bavaria and Baden-Württemberg that solely about half of a complete of greater than 4 billion euros have been insured.

“Saving and floods alone paid 2.6 billion euros-around one billion euros more than on the long-term average,” says GDV supervisor Jörg Asmussen in relation to the insured. Here he additionally sees penalties of local weather change that might be “more and more noticeable” in Germany. In distinction, harm brought on by storm and hail have been decrease final yr. In the automobile insurance coverage, the advantages resulting from pure hazards have been round 1.3 billion euros – this corresponds to concerning the lengthy -term common. There is not any differentiation between hail, storm, floods or different causes.

In the comparability of the federal states, Baden-Württemberg with 1.601 billion euros in insured harm is marginal earlier than Bavaria with 1.600 billion. This must also be resulting from the truth that elementary harm akin to floods within the southwest are far more typically insured than within the Free State. It is due to this fact apparent that the very best sum in Bavaria is presumably achieved within the case of the full harm, however there aren’t any figures on this.

The third -highest insured harm hit North Rhine -Westphalia with 613 million euros – right here, above all, storm and hail have been the trigger, as was 313 million. In Hesse there have been 252 million, 171 million in Saarland and 166 million every in Rhineland-Palatinate and Saxons.

The lowest harm was present in Bremen with 17 million. The different metropolis -states additionally bought away comparatively evenly with 39 million euros within the case of Berlin and 67 million in Hamburg. This additionally applies to the realm of ​​Mecklenburg-Western Pomerania, from which the second lowest harm was reported with 34 million euros.

In complete, the 5.7 billion euros in harm nationwide are relatively excessive in a protracted -term comparability. “The numbers speak a clear language: climate compensation must be a priority of the new federal government,” says Asmussen from the GDV. “A compulsory insurance alone prevents no damage. What we need is an overall natural hazard concept that, in addition to an insurance solution, also includes preventive measures. This is the only way to create long-term security with a view to climate change-for humans and for local infrastructure.”

At least the obligatory insurance coverage for residential buildings ought to come, nevertheless, on this legislative interval, as Justice Minister Stefanie Hubig (SPD) mentioned of the “Augsburger Allgemeine”. “Climate change is progressing, without better insurance coverage it will not work in the future.”