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| Titel |
On the occurrence of rainstorm damage based on home insurance and weather data |
| VerfasserIn |
M. H. Spekkers, F. H. L. R. Clemens, J. A. E. ten Veldhuis |
| Medientyp |
Artikel
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| Sprache |
Englisch
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| ISSN |
1561-8633
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| Digitales Dokument |
URL |
| Erschienen |
In: Natural Hazards and Earth System Sciences ; 15, no. 2 ; Nr. 15, no. 2 (2015-02-05), S.261-272 |
| Datensatznummer |
250119316
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| Publikation (Nr.) |
 copernicus.org/nhess-15-261-2015.pdf |
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| Zusammenfassung |
| Rainstorm damage caused by the malfunction of urban drainage systems
and water intrusion due to defects in the building envelope can be
considerable. Little research on this topic focused on the
collection of damage data, the understanding of damage mechanisms
and the deepening of data analysis methods. In this paper, the
relative contribution of different failure mechanisms to the
occurrence of rainstorm damage is investigated, as well as the
extent to which these mechanisms relate to weather variables. For
a case study in Rotterdam, the Netherlands, a property level home
insurance database of around 3100 water-related damage claims was
analysed. The records include comprehensive transcripts of communication
between insurer, insured and damage assessment experts, which
allowed claims to be classified according to their actual damage
cause. The results show that roof and wall leakage is the most frequent
failure mechanism causing precipitation-related claims, followed by
blocked roof gutters, melting snow and sewer flooding. Claims
related to sewer flooding were less present in the data, but are
associated with significantly larger claim sizes than claims in the
majority class, i.e. roof and wall leakages. Rare events logistic
regression analysis revealed that maximum rainfall intensity and
rainfall volume are significant predictors for the occurrence
probability of precipitation-related claims. Moreover, it was found
that claims associated with rainfall intensities smaller than
7–8 mm in a 60-min window are mainly related to failure
processes in the private domain, such as roof and wall leakages. For
rainfall events that exceed the 7–8 mm h−1 threshold,
the failure of systems in the public domain, such as sewer systems,
start to contribute considerably to the overall occurrence
probability of claims. The communication transcripts, however,
lacked information to be conclusive about to which extent
sewer-related claims were caused by overloading of sewer systems or
failure of system components. |
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