Canjin yanayi da inshora a Amurka

**Sakamakon sauyin yanayi a kan matsanancin yanayi** na yanayi yana buƙatar masana'antar inshora a Amurka don sake ƙididdige ƙididdigar haɗari don layukan inshora daban-daban. Daga 1980 zuwa 2005, masu zaman kansu da masu inshora na gwamnatin tarayya a Amurka sun biya dala biliyan 320 a cikin dala biliyan 2005 akai-akai a cikin da'awar saboda asarar da suka shafi yanayi yayin da adadin kuɗin da ake biya a cikin da'awar kowace shekara gabaɗaya ya karu, kuma kashi 88% na duk asarar inshorar dukiya a Amurka daga 1980 zuwa 2005 suna da alaƙa da yanayi. Asarar bala'in bala'i na shekara-shekara a cikin Amurka ya karu da ninki 10 a cikin daidaitawar hauhawar farashin kayayyaki daga dala biliyan 49 a cikin jimlar daga 1959 zuwa 1988 zuwa dala biliyan 98 gabaɗaya daga 1989 zuwa 1998,  yayin da rabon kuɗin shiga mai ƙima zuwa asarar bala'i na halitta ya faɗi sau shida da ɗaya zuwa 19 hasarar farko. factor a cikin 10% na kusan 700 na kamfanonin inshora na Amurka daga 1969 zuwa 1999 kuma mai yiwuwa wani abu ne mai ba da gudummawa a cikin 53%.

Daga 2005 zuwa 2021, asarar inshorar bala'i ta shekara-shekara ta ci gaba da hauhawa a cikin daidaitawar hauhawar farashin kayayyaki tare da matsakaicin asarar shekara-shekara yana ƙaruwa da 700% a cikin dala 2021 akai-akai daga 1985 zuwa 2021. A cikin 2005, Ceres ya fitar da wata farar takarda wanda ya gano cewa asarar inshorar yanayi mai haɗari a cikin Amurka ya karu sau 10 cikin sauri fiye da ƙimar kuɗi a cikin sharuddan hauhawar farashin kayayyaki daga 1971 zuwa 2004, kuma ya yi hasashen cewa canjin yanayi zai iya haifar da ƙima mafi girma da raguwa da tasiri ga iyawa da wadatar kuɗi, inshorar kasuwanci, inshorar rayuwa, inshorar rayuwa, inshorar lafiya, Amurka. Daga 2013 zuwa 2023, kamfanonin inshora na Amurka sun biya dala biliyan 655.7 a cikin iƙirarin bala'in bala'i tare da dala biliyan 295.8 da aka biya daga 2020 zuwa 2022 suna kafa rikodin tsawon shekaru uku, kuma bayan Philippines kawai, Amurka ta rasa kaso mafi girma na babban kayan cikin gida na cikin gida a cikin 2022 na kowace ƙasa saboda babban bala'i na kowace ƙasa. sharuddan.

A cikin Satumba 2024, Verisk Analytics ya fitar da rahoton shekara-shekara wanda ya lura cewa yayin da canje-canje na shekara-shekara a cikin asarar inshorar bala'in yanayi na duniya ya fi girma ga karuwar bayyanar (watau haɓakar adadin manufofin inshora da aka sayar), hauhawar farashin kayayyaki, da canjin yanayi maimakon canjin yanayi, rahoton ya kuma taƙaita hasashen kamfani wanda ya kiyasta cewa canjin yanayi yana ƙaruwa da matsakaicin shekara-1% a cikin shekara ta 7% a duniya. don haɓakar haɓakawa da hauhawar farashi), da kuma cewa tasirin canjin yanayi akan sauye-sauye na shekara-shekara na iya zama kwatankwacin na canjin yanayi nan da 2050 saboda tsohon yana biye da ƙimar haɓakar fili.

## Ka'idojin masana'antu
In December 2005, the National Association of Insurance Commissioners (NAIC) formed a Climate Change and Global Warming Task Force that issued a white paper in 2008 on potential insurance-related impacts of climate change to policyholders, insurers, and insurance regulators. A cikin Agusta 2021, Ofishin Inshorar Tarayya (FIO) na Ma'aikatar Baitulmalin Amurka ya ba da buƙatu don bayani don haɗarin kuɗi masu alaƙa da yanayi ga masana'antar inshorar Amurka bisa ga Dokar Zartarwa 14030. A cikin Fabrairu 2022, FIO ta sanar da cewa ta shiga Cibiyar Sadarwar don Greening Tsarin Kuɗi. A cikin Afrilu 2022, NAIC ta ba da sanarwar cewa za ta yi amfani da daidaitattun bayyana haɗarin yanayi wanda ya yi daidai da shawarwarin Ƙwararrun Ƙwararrun Ƙwararrun Ƙwararrun Ƙwararrun Ƙwararrun Ƙwararru. A cikin Oktoba 2022, FIO ta ba da buƙatu don yin tsokaci game da tarin bayanan inshorar gida da kadarori da aka tattara a matakin lambar ZIP don tantance tasirin yanayi akan rashin tsaro bisa ga Dokar Zartarwa 14030.

Yayin da sashen inshora a Amurka ke tattara bayanai kan asarar da ke da alaƙa da yanayin don sanar da farashin manufofin, kamfanonin inshora yawanci ba sa bayyana duk wani cikakken bayani a bainar jama'a kan yadda haɗarin yanayi ya kasance cikin farashin kadarorin mutum. A cikin Mayu 2023, National Oceanic and Atmospheric Administration da National Science Foundation sun ba da sanarwar kafa cibiyar bincike na haɗin gwiwar masana'antu-jami'a don samar da masana'antar inshora tare da bayanan canjin yanayi don haɓaka ƙirar ƙira don tasirin bala'i a cikin kimanta haɗarin yanayin yanayi na gaba.

## Manazarta