{"id":389,"date":"2023-10-31T14:13:41","date_gmt":"2023-10-31T14:13:41","guid":{"rendered":"https:\/\/editorial.buluttan.com\/?p=389"},"modified":"2024-08-15T14:18:33","modified_gmt":"2024-08-15T14:18:33","slug":"degisen-iklim-perspektifinden-hasar-yonetimi","status":"publish","type":"post","link":"https:\/\/editorial.buluttan.com\/?p=389","title":{"rendered":"De\u011fi\u015fen \u0130klim Perspektifinden Hasar Y\u00f6netimi"},"content":{"rendered":"\n<p>A\u015f\u0131r\u0131 hava olaylar\u0131, sigorta talepleri \u00fczerinde do\u011frudan etkiye sahip olup, a\u00e7\u0131lan taleplerin say\u0131s\u0131nda ve ciddiyetinde art\u0131\u015fa neden olmaktad\u0131r. <a href=\"https:\/\/www.weforum.org\/events\/annual-meeting-of-the-global-future-councils-2023\">D\u00fcnya Ekonomik Forumu<\/a> (2020) raporlar\u0131na g\u00f6re artan s\u0131cakl\u0131klar nedeniyle a\u015f\u0131r\u0131 hava olaylar\u0131 art\u0131k daha s\u0131k ve \u015fiddetli ya\u015fan\u0131yor. Bu atmosferde sigorta sekt\u00f6r\u00fcn\u00fcn haz\u0131rl\u0131kl\u0131 olmas\u0131 gerekiyor.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/tiny-tree-on-coins-1024x536.webp\" alt=\"tiny tree on coins\" class=\"wp-image-1275\" srcset=\"https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/tiny-tree-on-coins-1024x536.webp 1024w, https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/tiny-tree-on-coins-300x157.webp 300w, https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/tiny-tree-on-coins-768x402.webp 768w, https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/tiny-tree-on-coins.webp 1300w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Maddi Hasar<\/h2>\n\n\n\n<p>\u015eiddetli f\u0131rt\u0131nalar, kas\u0131rgalar ve su bask\u0131n\u0131 konut ve ticari m\u00fclklerde b\u00fcy\u00fck hasara neden olabilir. Sigortac\u0131lar\u0131n, hasarlar\u0131n verimli bir \u015fekilde i\u015flenmesi ve eksperlerin devreye al\u0131nmas\u0131n\u0131 gerektiren onar\u0131m, de\u011fi\u015ftirme ve yeniden in\u015faya y\u00f6nelik daha y\u00fcksek hacimli talepleri kar\u015f\u0131lamas\u0131 gerekiyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130\u015f Kesintisi<\/h2>\n\n\n\n<p>A\u015f\u0131r\u0131 hava olaylar\u0131 \u00e7o\u011fu zaman i\u015f kesintilerine ve tedarik zincirinde aksamalara neden olur. \u0130\u015f kesintilerini kapsayan sigorta poli\u00e7eleri, hava ko\u015fullar\u0131yla ilgili kapanmalar veya faaliyetlerin azalmas\u0131 nedeniyle \u015firketlerin maruz kald\u0131\u011f\u0131 potansiyel mali kay\u0131plar\u0131 hesaba katmal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sorumluluk Taleplerinin Artmas\u0131<\/h2>\n\n\n\n<p>\u0130klim de\u011fi\u015fikli\u011fi, do\u011fal afetlerin daha s\u0131k g\u00f6r\u00fclmesine yol a\u00e7arak sorumluluk taleplerinin artmas\u0131na neden olabilir. \u00d6rne\u011fin bireyler ve i\u015fletmeler, ta\u015fk\u0131nlara kar\u015f\u0131 yetersiz koruma, iklimle ilgili riskler konusunda uyar\u0131 yap\u0131lmamas\u0131 veya a\u015f\u0131r\u0131 hava olaylar\u0131n\u0131n neden oldu\u011fu hasarlarla ilgili iddialarla ilgili hak talebinde bulunabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Maruziyet De\u011ferlendirmesi<\/h2>\n\n\n\n<p>Sigortac\u0131lar, sigortal\u0131 m\u00fclklerin k\u0131y\u0131 \u015feritlerine, sel b\u00f6lgelerine, orman yang\u0131n\u0131na yatk\u0131n alanlara veya a\u015f\u0131r\u0131 hava olaylar\u0131na duyarl\u0131 b\u00f6lgelere yak\u0131nl\u0131k dahil olmak \u00fczere iklim ba\u011flant\u0131l\u0131 risklere kar\u015f\u0131 hassasiyetini de\u011ferlendirmelidir. Bu t\u00fcr de\u011ferlendirmeler sigorta \u015firketlerinin uygun teminat limitlerini ve primlerini belirlemesine yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/pine-trees-with-icons-1024x536.webp\" alt=\"pine trees with icons\" class=\"wp-image-1276\" srcset=\"https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/pine-trees-with-icons-1024x536.webp 1024w, https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/pine-trees-with-icons-300x157.webp 300w, https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/pine-trees-with-icons-768x402.webp 768w, https:\/\/buluttan-cdn.s3.eu-central-1.amazonaws.com\/images\/weather-blog\/2023\/12\/pine-trees-with-icons.webp 1300w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Risk Azaltma<\/h2>\n\n\n\n<p>Sigortac\u0131lar poli\u00e7e sahiplerini, binalar\u0131 kas\u0131rgalara kar\u015f\u0131 g\u00fc\u00e7lendirmek, ta\u015fk\u0131n savunmas\u0131n\u0131 iyile\u015ftirmek veya karbon emisyonlar\u0131n\u0131 azaltmak i\u00e7in \u00e7evre dostu uygulamalar benimsemek gibi risk hafifletme \u00f6nlemlerini uygulamaya te\u015fvik edebilir. Sigortac\u0131lar proaktif risk azalt\u0131m\u0131n\u0131 te\u015fvik etmek i\u00e7in prim indirimleri veya teminat iyile\u015ftirmeleri gibi te\u015fvikler sunabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Afet Modellemesi<\/h2>\n\n\n\n<p>Sigortac\u0131lar, iklim ba\u011flant\u0131l\u0131 olaylar\u0131n potansiyel etkilerini de\u011ferlendirmek ve potansiyel kay\u0131plar\u0131 sim\u00fcle etmek i\u00e7in geli\u015fmi\u015f afet modelleme ara\u00e7lar\u0131n\u0131 kullan\u0131r. Bu modeller, sigorta \u015firketlerinin felaket olaylar\u0131n\u0131n potansiyel mali sonu\u00e7lar\u0131n\u0131 anlamalar\u0131na ve sigortalama kararlar\u0131n\u0131 bilgilendirmelerine yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Buluttan Meteospective ile Hiper-Yerel Hava Durumu \u0130stihbarat\u0131ndan Yararlan\u0131n<\/h2>\n\n\n\n<p>Belirli konumlar i\u00e7in b\u00f6lgesel klimatoloji ve hava durumuyla ilgili risk profili hakk\u0131nda fikir edinmek amac\u0131yla kullan\u0131c\u0131lar\u0131n ge\u00e7mi\u015f a\u015f\u0131r\u0131 hava ko\u015fullar\u0131nda gezinmesine olanak tan\u0131yan web tabanl\u0131 bir platform olan <a href=\"https:\/\/www.buluttan.com\/tr\/sirket\/bize-ulasin\">Buluttan Meteospective<\/a>&#8216;i geli\u015ftirdik. Buluttan Meteospective yaln\u0131zca ge\u00e7mi\u015f a\u015f\u0131r\u0131 hava olaylar\u0131na eri\u015fim sa\u011flamakla kalm\u0131yor, ayn\u0131 zamanda hava durumuyla ilgili sigorta talepleri i\u00e7in do\u011frulama ve do\u011frulama da sa\u011fl\u0131yor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A\u015f\u0131r\u0131 hava olaylar\u0131, sigorta talepleri \u00fczerinde do\u011frudan etkiye sahip olup, a\u00e7\u0131lan taleplerin say\u0131s\u0131nda ve ciddiyetinde art\u0131\u015fa neden olmaktad\u0131r. D\u00fcnya Ekonomik Forumu (2020) raporlar\u0131na g\u00f6re artan s\u0131cakl\u0131klar nedeniyle a\u015f\u0131r\u0131 hava olaylar\u0131 art\u0131k daha s\u0131k ve \u015fiddetli ya\u015fan\u0131yor. Bu atmosferde sigorta sekt\u00f6r\u00fcn\u00fcn haz\u0131rl\u0131kl\u0131 olmas\u0131 gerekiyor. Maddi Hasar \u015eiddetli f\u0131rt\u0131nalar, kas\u0131rgalar ve su bask\u0131n\u0131 konut ve ticari m\u00fclklerde&hellip; <a class=\"more-link\" href=\"https:\/\/editorial.buluttan.com\/?p=389\">Continue reading <span class=\"screen-reader-text\">De\u011fi\u015fen \u0130klim Perspektifinden Hasar Y\u00f6netimi<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":1274,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25,28],"tags":[7,40,42],"class_list":["post-389","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hava-durumu","category-iklim-degisikligi","tag-tr","tag-cevre","tag-sigorta","entry"],"acf":{"h1_tag":"De\u011fi\u015fen \u0130klim Perspektifinden Hasar Y\u00f6netimi"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>De\u011fi\u015fen \u0130klim Perspektifinden Hasar Y\u00f6netimi - 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