GEOGRAPHIC INFORMATION FOR THE MANAGEMENT OF FLOOD RISK INSURANCE

Transcription

1 POLITECNICO MILANO 1863 GEOGRAPHIC INFORMATION FOR THE MANAGEMENT OF FLOOD RISK INSURANCE Milano Porta Garibaldi train station, November 2014 Franco Guzzetti - Politecnico di Milano Alice Pasquinelli - Politecnico di Milano Paolo Viskanic - R3 GIS S.r.l.

2 PROBLEM STATEMENT Debate between insurance industry and Italian government about the introduction of a national RISK TRANSFER SYSTEM EUROPEAN REGULATION on insurance risk management and customer protection (SOLVENCY II)

3 PROBLEM STATEMENT Debate between insurance industry and Italian government about the introduction of a national RISK TRANSFER SYSTEM EUROPEAN REGULATION on insurance risk management and customer protection (SOLVENCY II) HOW TO OFFER FLOOD INSURANCE COVER IN THE CONSUMER MARKET FOR FAIR AND COMPETITIVE PRICES, MANAGING AND BALANCING THE EXPOSURE OF THE INSURED PORTFOLIO?

4 PROBLEM STATEMENT Flood risk is strictly related to SITE CONDITIONS (morphology, river network, anthropic interference with the natural environment) GEOGRAPHY gain relevance and introduce an innovative thinking in insurance industry

5 PROBLEM STATEMENT Flood risk is strictly related to SITE CONDITIONS (morphology, river network, anthropic interference with the natural environment) GEOGRAPHY gain relevance and introduce an innovative thinking in insurance industry CREATION OF A «FLOOD RISK GIS» AS INSURANCE POLICIES MANAGEMENT SYSTEM SUPPORTING NON-EXPERT USERS

6 THE FLOOD RISK GIS How to assess building exposure to flood risk? Risk assessment methodology Which data? Flood zones data Building positions Building features Which technology? The web-gis The mobile application

7 RISK ASSESSMENT METHODOLOGY

8 RISK ASSESSMENT METHODOLOGY

9 RISK ASSESSMENT METHODOLOGY

10 FLOOD ZONE DATA EXISTING HAZARD MAPS More than 35 Basin Authorities with deliberative and financial autonomy No shared rules for hazard modelling and mapping Accessibility and usability issues

11 FLOOD ZONE DATA HAZARD DATA STANDARDISATION DIRECTIVE 2007/60/EC on the management of flood risk «Flood Directive»: Provides a European framework for the assessment and management of flood risks Flood hazard maps shall cover the geographical areas which could be flooded according to the following scenarios: Low Probability (hazard level 1) Medium Probability (hazard level 2) High Probability (hazard level 3) Standardization rules

12 FLOOD ZONE DATA HAZARD DATA STANDARDISATION Flood zones in Torino City INSPIRE Data Specification on Natural Risk Zones (Application schema Core_Model)

13 BUILDINGS POSITION ADDRESSES ADDRESS: An address is an identification of the fixed location of a property. The full address is a hierarchy consisting of components such as geographic names, with an increasing level of detail, e.g. town, then street name, then house number or name. It may also include a post code or other postal descriptors. [ ] Every address is referenced by a geographic position that: Has a certain positional accuracy depending on the method used to generate it (e.g. by field surveying or digitizing of paper maps); Refers to a specific spatial object (e.g. entrance door, building centroid, parcel centroid) - INSPIRE Data Specification on Addresses -

14 BUILDING POSITION FROM ADDRESS TO POSITION DATA CLEANING ADDRESSES AS PROVIDED: STRUCTURED ADDRESSES: ADDRESS CORSO REGINA MARGHERITA, 212, TORINO, ITALIA CORSO REGINA MARGHERITA, 162, TORINO, ITALIA CORSO GIOVANNI AGNELLI, 113, TORINO, ITALIA CORSO GIOVANNI AGNELLI, TORINO, ITALIA CORSO GIOVANNI AGNELLI, 148, TORINO, ITALIA VIA ASIAGO, 9, TORINO, ITALIA VIA ASIAGO, 43, TORINO, ITALIA VIA ABATE PIETRO CHANOUX, 12, TORINO, ITALIA VIA ABATE PIETRO CHANOUX, 16, TORINO, ITALIA VIA ABATE PIETRO CHANOUX, 27, TORINO, ITALIA VIA ABATE PIETRO CHANOUX, TORINO, ITALIA

15 BUILDING POSITION FROM ADDRESS TO POSITION DATA CLEANING GEOCODING TEST INPUT ADDRESS STRING: Street name, house number, postal code, city, state OUTPUT COORDINATE PAIRS: Latitude, Longitude

16 BUILDING POSITION FROM ADDRESS TO POSITION DATA CLEANING GEOCODING TEST CHOICE OF THE BEST GEOCODER shift < 4m 4m shift < 20m 20m shift < 100m Shift > 100 GPS accuracy Building identification Basin Plans accuracy Poor results

17 BUILDINGS FEATURES SITE CONDITION BUILDING TYPE FLOODPROOFING DEVICES

18 BUILDINGS FEATURES THE BUILDING DATASHEET BUILDING DATA SHEET 1 LOCATION Istat Code Municipality address house number Land Registry ID (parcel) Coordinate pair Photo Insurance n. (to be detected) photo and grip point coordinate pair 2 SITE CHARACTERISTICS Morphology ridge drop off gentle slope plain Building access point (to be detected) elevation 3 BUILDING FEATURES Floors n Underground floors n Floors below the ground n Building typology Building materials Building period < / / / /TODAY> Garage-box enclosed/open Main use Equipment location inside the building Family members n 4 FLOODPROOFING Flood proofing measures active/passive

19 BUILDINGS FEATURES THE BUILDING DATASHEET BUILDING DATA SHEET 1 LOCATION Istat Code Municipality address house number Land Registry ID (parcel) Coordinate pair Photo Insurance n. (to be detected) photo and grip point coordinate pair 2 SITE CHARACTERISTICS Morphology ridge drop off gentle slope plain Building access point (to be detected) elevation 3 BUILDING FEATURES Floors n Underground floors n Floors below the ground n Building typology Building materials Building period < / / / /TODAY> Garage-box enclosed/open Main use Equipment location inside the building Family members n 4 FLOODPROOFING Flood proofing measures active/passive

20 THE TECHNOLOGY FUNCTIONALITIES Repository for all data; User access control; User friendly map consultation; Analysis tools ; Comparison between insured assets and hazard events; Import/export and print of data; API to connect mobile and other applications;

21 THE TECHNOLOGY GFOSS ARCHITECTURE

22 THE TECHNOLOGY THE WEB-GIS Flood zone and insured portfolio uploaded to the system Spatial intersect between the insured portfolio and flood zone areas Management of existing policies Creation of new policies

23 THE TECHNOLOGY INSURANCE POLICIES MANAGEMENT

24 THE TECHNOLOGY INSURANCE POLICIES MANAGEMENT GEOCODER

25 THE TECHNOLOGY INSURANCE POLICIES MANAGEMENT

26 THE TECHNOLOGY CREATING A NEW POLICY - WORKFLOWS

27 THE TECHNOLOGY CREATING A NEW POLICY MOBILE APP POSITION

28 THE TECHNOLOGY CREATING A NEW POLICY MOBILE APP POSITION BUILDING FEATURES

29 THE TECHNOLOGY CREATING A NEW POLICY MOBILE APP WEB-GIS POSITION BUILDING FEATURES SYSTEM UPLOAD

30 THE TECHNOLOGY CREATING A NEW POLICY MOBILE APP WEB-GIS POSITION BUILDING FEATURES SYSTEM UPLOAD POLICY PRICE PROPOSAL

31 CONCLUSIONS USER FOCUSED Geographic data supporting pricing policies and commercial strategies, with user friendly interface FLEXIBILITY and EFFICIENCY Plot project realized outside the company with the use of open source software with a reasonable timing THE REVEALED POTENTIAL Many other application in the insurance sector might be supported by geographic information and technologies

32 POLITECNICO MILANO 1863 THANK YOU FOR YOUR ATTENTION! QUESTIONS? Franco Guzzetti - Politecnico di Milano Alice Pasquinelli - Politecnico di Milano Paolo Viskanic - R3 GIS S.r.l.