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The European Union is currently facing immense challenges, ranging from the financial difficulties brought about by Covid-19, the undermining of the rule …
The Graduate School’s Impact Awards are designed to recognize the significance of graduate student research and their to contributions to North Carolina in areas of education, economic, physical, social or cultural well-being.
Flood events can be dramatic and traumatic. People exposed to floods are liable to suffer from a variety of adverse mental health outcomes. The adverse effects of stressors during the recovery process (secondary stressors) can sometimes be just as severe as the initial trauma. Six months after extensive flooding in rural Australia, a survey of 2530 locals was conducted focusing on their flood experiences and mental health status. This mixed methods study analysed (a) quantitative data from 521 respondents (21% of total survey respondents) who had insurance coverage and whose household was inundated, 96 (18%) of whom reported an insurance dispute or denial; and (b) qualitative data on insurance-related topics in the survey’s open comments sections. The mental health outcomes were all significantly associated with the degree of flood inundation. The association was strong for probable PTSD and ongoing distress (Adjusted Odds Ratios (AORs) with 95% confidence intervals 2.67 (1.8–4.0)
As the climate changes and extreme weather events become more common, the role of house and contents insurance in managing risks is garnering more attention. There is concern, as insurance is a key safety net in contemporary life, that significant levels of house and contents underinsurance are placing individuals and communities at undue risk. Yet, the phenomenon of underinsurance is under-researched. Informed by a document analysis of findings from a multi-modal project investigating the experiences and perspectives of insured and uninsured households in bushfire-prone Australia, we identify underinsurance as a complex phenomenon that is variably co-constituted at different scales – households, landscapes, and markets. To better understand what principles can be meaningfully applied for addressing underinsurance, we present four pertinent and novel themes – place (contextualising rates of underinsurance), integration (integrating insurance with other disaster management mechanism