{"id":395,"date":"2022-01-19T13:31:00","date_gmt":"2022-01-19T10:31:00","guid":{"rendered":"https:\/\/www.unicosigorta.com.tr\/blog\/?p=395"},"modified":"2024-02-20T14:33:23","modified_gmt":"2024-02-20T11:33:23","slug":"havalarin-ongorulebilmesi-sigortalinin-da-sigortacinin-da-1-numarali-ihtiyaci","status":"publish","type":"post","link":"https:\/\/www.unicosigorta.com.tr\/blog\/havalarin-ongorulebilmesi-sigortalinin-da-sigortacinin-da-1-numarali-ihtiyaci\/","title":{"rendered":"Havalar\u0131n \u00d6ng\u00f6r\u00fclebilmesi Sigortal\u0131n\u0131n da Sigortac\u0131n\u0131n da 1 Numaral\u0131 \u0130htiyac\u0131"},"content":{"rendered":"

\u0130klim de\u011fi\u015fimi dedi\u011fimizde akl\u0131n\u0131za ilk ne geliyor. Eskiden buzullar\u0131n erimesi, deniz suyu seviyelerinin y\u00fckselmesi derdik de\u011fil mi? Ka\u00e7\u0131m\u0131z buzul g\u00f6rd\u00fck acaba? Ya da ka\u00e7\u0131m\u0131z\u0131n deniz suyu seviyesi art\u0131\u015f\u0131ndan bir ada \u00fclkesindeki evi zarar g\u00f6rd\u00fc. Buzullar\u0131n erimesi ya da deniz suyu seviyelerinin y\u00fckselmesi \u00f6nemsiz bir \u015fey mi?<\/strong><\/p>\n

Tabii ki hay\u0131r, tam da iklim de\u011fi\u015fiminin verdi\u011fi zarar\u0131n temelinde yer al\u0131yor. Ama bulundu\u011fumuz co\u011frafyan\u0131n da asl\u0131nda bir buzul erimesinden farks\u0131z bir \u015fekilde iklim de\u011fi\u015fiminden etkilendi\u011fini ya\u015fad\u0131\u011f\u0131m\u0131z kurakl\u0131klar, kars\u0131z ge\u00e7en k\u0131\u015flar ve afet seviyesindeki ya\u011f\u0131\u015flar, metal y\u00fczeylere bile zarar veren dolu ya\u011f\u0131\u015flar\u0131 ile daha fazla anlad\u0131k ve hissettik. Asl\u0131nda ya\u015fad\u0131klar\u0131m\u0131z yaln\u0131zca bizim co\u011frafyam\u0131za da \u00f6zel de\u011fildi.<\/p>\n

\u0130klim de\u011fi\u015fiminin k\u00fcresel \u00f6l\u00e7ekte, b\u00fct\u00fcn d\u00fcnyada en \u00f6nemli etkilerinden birisi de a\u015f\u0131r\u0131 hava olaylar\u0131n\u0131n s\u0131kl\u0131\u011f\u0131 ve \u015fiddetinin artmas\u0131. Hep s\u00f6ylenir ya \u201czarar veren, do\u011fal afetler de\u011fil, insan\u0131n kendisidir\u201d diye. \u0130\u015fte bu s\u00f6z, bu noktada daha da bir anlam kazan\u0131yor. Zaten depremin insana zarar\u0131 koca koca binalar\u0131n y\u0131k\u0131lmas\u0131 ile olmuyor mu? Ya da sel ve ta\u015fk\u0131nlar altyap\u0131 sisteminin yetersizli\u011finden, ya da suyun akaca\u011f\u0131 yata\u011f\u0131n \u00fczerine oturmam\u0131zdan kaynaklanm\u0131yor mu? Beton d\u00f6kt\u00fc\u011f\u00fcm\u00fcz, asfaltlad\u0131\u011f\u0131m\u0131z her yerde zeminin ge\u00e7irgenli\u011fini de azalt\u0131yoruz ve sonu\u00e7 olarak sele zemin haz\u0131rl\u0131yoruz. \u0130\u015fte daha da \u00e7o\u011faltabilece\u011fimiz bu \u00f6rneklerin verdi\u011fi zarara, iklim de\u011fi\u015fimi eklenince zarar \u00e7arpan \u015feklinde b\u00fcy\u00fcy\u00fcp y\u0131k\u0131c\u0131 hal al\u0131yor. Bir bak\u0131ma sorunun kayna\u011f\u0131na inerek onu daha da vurucu hale getiriyoruz. \u0130klim de\u011fi\u015fimi deyince anlatacak o kadar \u00e7ok \u015fey var ki, b\u0131rak\u0131rsan\u0131z durmam yani, s\u0131k\u0131l\u0131rsan\u0131z \u201ciki dakika sus B\u00fcnyamin\u201d diyebilirsiniz 😄.<\/p>\n

\u015eimdi her ay sizlerle okyanuslar\u0131n dibinden atmosferin tepesine kadar her alandaki s\u0131ra d\u0131\u015f\u0131l\u0131klardan konu\u015faca\u011f\u0131z. Bu ilk ayda biraz rakamlara (cebimizi etkileyen rakamlar) bakal\u0131m, gelecek aylarda do\u011faya dalar\u0131z dedim. Ne dedik, \u201cekstrem hava olaylar\u0131n\u0131n \u015fiddeti ve s\u0131kl\u0131\u011f\u0131 art\u0131yor\u201d. E\u015f zamanl\u0131 olarak do\u011fal afetlerin neden oldu\u011fu ekonomik kay\u0131plar da \u00f6nemli \u00f6l\u00e7\u00fcde art\u0131yor. Bunun da tahmin edece\u011finiz gibi \u00f6zellikle sigorta ve sigortac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in \u00f6nemli sonu\u00e7lar\u0131 olacak tabi, hatta oluyor. Sonu\u00e7lar dedi\u011fimiz maddi kay\u0131plar tabii. Bu sonu\u00e7lar\u0131 en aza indirmek nas\u0131l m\u00fcmk\u00fcn? \u0130klim de\u011fi\u015fiminin \u00f6n\u00fcne ge\u00e7ecek insani ya\u015fant\u0131ya d\u00f6nmekte direniyor ve de\u011fi\u015fimin sonu\u00e7lar\u0131 kar\u015f\u0131m\u0131zca afetlerle \u00e7\u0131k\u0131yorsa geriye a\u015f\u0131r\u0131 hava olaylar\u0131n\u0131 iyi tahmin etmek kal\u0131yor ki tedbirlerle zarar\u0131 en aza indirebilelim. Yani kriz olu\u015fmas\u0131n\u0131 istemiyorsak risk y\u00f6netimini yapmak, risk y\u00f6netimi i\u00e7in de iklim de\u011fi\u015fimi verilerini hesaba katmak gerekiyor. \u00d6te yandan iklim de\u011fi\u015fimi hepimizin sigorta ihtiyac\u0131n\u0131 art\u0131r\u0131rken, sigorta sekt\u00f6r\u00fc i\u00e7in de bu ihtiya\u00e7lara yeni \u00e7\u00f6z\u00fcmler bulmas\u0131 ve sekt\u00f6r\u00fcn b\u00fcy\u00fcmesi anlam\u0131na geliyor.<\/p>\n

\u00d6zellikle son y\u0131llarda do\u011fal afetlerin getirdi\u011fi kay\u0131plar \u00f6nemli \u00f6l\u00e7\u00fcde artt\u0131 ve d\u00fcnya \u00e7ap\u0131nda sigorta end\u00fcstrisine birtak\u0131m zorluklar getirdi. \u00d6rneklere bakal\u0131m, \u00e7ok de\u011fil 12-13 y\u0131l \u00f6ncesinden bug\u00fcne ta\u015f\u0131yal\u0131m; 2005’te ABD’yi ve yak\u0131n\u0131ndaki \u00fclkeleri vuran Katrina, Wilma ve Dennis kas\u0131rgalar\u0131, yakla\u015f\u0131k 174 M\u0130LYAR DOLAR\u2019l\u0131k ekonomik kayba neden olmu\u015ftu. Ve bunun 66 milyar dolar\u0131 sigorta kapsam\u0131nda olan kay\u0131pt\u0131. S\u0131rf Katrina kas\u0131rgas\u0131n\u0131n bile 45 milyar dolar zarar\u0131 oldu\u011fu tahmin ediliyor. Bu arada d\u00fcnyan\u0131n bir ucunda meydana gelen olaylar oraya aitmi\u015f hissi veriyor insana ama bize de gelece\u011fim ve zaten ya\u015fad\u0131klar\u0131m\u0131zdan o \u00e7\u0131kar\u0131m\u0131 bir\u00e7o\u011fumuz yap\u0131yordur herh\u00e2lde.<\/p>\n

Avrupa’da ya\u015fanan hava olaylar\u0131n\u0131n da ya\u015fatt\u0131\u011f\u0131 b\u00fcy\u00fck kay\u0131plar var. \u00d6rne\u011fin 2002 y\u0131l\u0131nda Almanya’da ger\u00e7ekle\u015fen sel yakla\u015f\u0131k 9.2 milyar Euro kayba sebep oldu. Toplamda, A\u011fustos 2002’de Avrupa’da ger\u00e7ekle\u015fen seller, 3.2 milyar dolar\u0131 sigorta kapsam\u0131nda olmak \u00fczere yakla\u015f\u0131k 15 milyar dolarl\u0131k ekonomik zarara neden oldu. \u0130ngiltere, 2007 yaz\u0131nda ekstrem ya\u011f\u0131\u015f y\u00fcz\u00fcnden 2 b\u00fcy\u00fck sel olay\u0131 ya\u015fad\u0131. Zaman\u0131 h\u0131zland\u0131rd\u0131k, sizi \u00f6rneklerle yormayaca\u011f\u0131m, 10 y\u0131l atlad\u0131k, 2017 Kas\u0131rga sezonu baya aksiyonlu ge\u00e7ti. Irma, Harvey, Jose, Maria hat\u0131rlars\u0131n\u0131z. Hele Irma!!! \u0130rma tektonik hareketler gibi haritay\u0131 de\u011fi\u015ftirdi. \u0130rma Kas\u0131rgas\u0131 Florida\u2019ya epey pahal\u0131ya patlad\u0131. Florida, narenciyede, \u00f6zellikle portakal \u00fcretiminde d\u00fcnyada ikinci. Ama Irma y\u00fcz\u00fcnden \u00fcr\u00fcnlerinde %20 kay\u0131p ya\u015fad\u0131 ve bir a\u011fac\u0131n tekrar yeti\u015fmesi zaman alaca\u011f\u0131 i\u00e7in, asl\u0131nda bu zarar birka\u00e7 y\u0131ll\u0131k bir hasar. \u00d6te yandan, adalar\u0131n d\u0131\u015f d\u00fcnyayla en \u00f6nemli ba\u011flant\u0131s\u0131 olan limanlar, havaalanlar\u0131 gibi yap\u0131lar bu t\u00fcr olaylarla zarar g\u00f6r\u00fcyor. Bu da ekonomisinin b\u00fcy\u00fck k\u0131sm\u0131n\u0131 turizmin olu\u015fturdu\u011fu adalar\u0131 ba\u015fka bir y\u00f6nden vurmu\u015f oldu. Yani zarar kas\u0131rgalar\u0131n anl\u0131k vurmas\u0131n\u0131n \u00f6tesinde adeta bir zarar s\u00fcrecini arkas\u0131ndan tetikledi. Harvey ve Irma’n\u0131n toplam sigortal\u0131 hasar maliyeti ise 50-70 milyar dolar aras\u0131nda. \u00c7ok yak\u0131n\u0131m\u0131zdan da bir \u00f6rnek, hatta bir de yak\u0131n zamandan 2017 Temmuz\u2019da \u0130stanbul\u2019da meydana gelen sel ve doluda 168 milyon liral\u0131k 22 bin adet hasar ihbar\u0131 olmu\u015ftu. Yine ayn\u0131 y\u0131l ger\u00e7ekle\u015fen deprem ve sel olay\u0131 ile birlikte toplam sigorta maliyeti 300 milyon liray\u0131 bulmu\u015ftu. B\u00fct\u00fcn bu ekonomik kay\u0131plar\u0131n kapsam\u0131, asl\u0131nda modern toplumlar\u0131n iklimde ya\u015fanan a\u015f\u0131r\u0131 de\u011fi\u015fimlere ne kadar hassas oldu\u011funu, sigortalanma ve sigortac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in bilginin (tahminin) her t\u00fcrl\u00fc zarar\u0131 en aza indirmek i\u00e7in ne kadar \u00f6nemli oldu\u011funu vurgulam\u0131\u015f oluyor. Bu arada ger\u00e7ekle\u015fen zarar rakamlar\u0131 ile sigortal\u0131 hasar maliyetleri aras\u0131ndaki fark\u0131 g\u00f6r\u00fcyorsunuz de\u011fil mi? Yaln\u0131zca bu rakamlar; sigorta ihtiyac\u0131 ve sigortac\u0131l\u0131k sekt\u00f6r\u00fc ile iklim de\u011fi\u015fimi aras\u0131ndaki makas\u0131n halen \u00e7ok a\u00e7\u0131k oldu\u011funu net olarak ortaya koyuyor.<\/p>\n

IPCC (H\u00fck\u00fcmetleraras\u0131 Iklim De\u011fi\u015fikli\u011fi Paneli), iklim de\u011fi\u015fiminin s\u0131ra d\u0131\u015f\u0131 hava olalar\u0131n\u0131n \u015fiddetini ve s\u0131kl\u0131\u011f\u0131n\u0131 art\u0131raca\u011f\u0131n\u0131 tahmin ediyor. S\u0131ra d\u0131\u015f\u0131 ya\u011f\u0131\u015flar, tropikal siklonlar ve belirli b\u00f6lgelerde \u0131s\u0131 dalgalar\u0131nda art\u0131\u015flara yol a\u00e7aca\u011f\u0131n\u0131 \u00f6ng\u00f6r\u00fcyor. \u0130\u015fte tam burada bize geliyoruz, \u201cISI DALGALARI \u201c. Bizdeki sel olu\u015fturan, i\u00e7inde dolu ihtiva eden a\u011f\u0131r sa\u011fanaklar bu \u0131s\u0131 dalgalar\u0131n\u0131n art\u0131\u015f\u0131 ile orant\u0131l\u0131. Avrupa \u00c7evre Ajans\u0131 son 20 y\u0131l i\u00e7inde Akdeniz\u2019deki deniz suyu s\u0131cakl\u0131klar\u0131na dikkat \u00e7ekiyor. Deniz suyu s\u0131cakl\u0131klar\u0131n\u0131n art\u0131\u015f\u0131 \u0131s\u0131 dalgalar\u0131, \u0131s\u0131 dalgalar\u0131 da dolu da ihtiva eden s\u0131ra d\u0131\u015f\u0131 hava olaylar\u0131n\u0131 art\u0131r\u0131yor. G\u00fcnl\u00fck g\u00f6rd\u00fc\u011f\u00fcm\u00fcz \u015fim\u015fek ve f\u0131rt\u0131na gibi di\u011fer k\u00fc\u00e7\u00fck \u00e7apl\u0131 hava olaylar\u0131 \u00fczerindeki etkileri ise hen\u00fcz belirsiz. K\u00fcresel \u0131s\u0131nman\u0131n s\u0131ra d\u0131\u015f\u0131 hava ko\u015fullar\u0131na kar\u015f\u0131 hassasiyeti art\u0131rma potansiyeli, sigorta sekt\u00f6r\u00fcn\u00fcn de potansiyelini art\u0131r\u0131yor.<\/p>\n

Uzun laf\u0131n k\u0131sas\u0131 iklim de\u011fi\u015fimi hayat\u0131m\u0131zda maddi manevi riskleri art\u0131r\u0131yor. Sigorta yayg\u0131nl\u0131\u011f\u0131 hen\u00fcz bu de\u011fi\u015fimin b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc yakalam\u0131\u015f de\u011fil. Ve iklim de\u011fi\u015fimi bu makas\u0131 a\u00e7ma noktas\u0131nda hepimizin ortak deste\u011fi ile h\u0131zla ilerliyor. Gelecek ay yine bulu\u015fal\u0131m, olur mu?<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130klim de\u011fi\u015fimi dedi\u011fimizde akl\u0131n\u0131za ilk ne geliyor. Eskiden buzullar\u0131n erimesi, deniz suyu seviyelerinin y\u00fckselmesi derdik de\u011fil mi? Ka\u00e7\u0131m\u0131z buzul g\u00f6rd\u00fck acaba? Ya da ka\u00e7\u0131m\u0131z\u0131n deniz suyu seviyesi art\u0131\u015f\u0131ndan bir ada \u00fclkesindeki evi zarar g\u00f6rd\u00fc. Buzullar\u0131n erimesi ya da deniz suyu seviyelerinin y\u00fckselmesi \u00f6nemsiz bir \u015fey mi? Tabii ki hay\u0131r, tam da iklim de\u011fi\u015fiminin verdi\u011fi zarar\u0131n […]<\/p>\n","protected":false},"author":3,"featured_media":396,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"amp_status":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[10],"tags":[65,64],"class_list":["post-395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guncel-hava-olaylari","tag-bunyamin-surmeli","tag-hava-durumu"],"acf":[],"yoast_head":"\nHavalar\u0131n \u00d6ng\u00f6r\u00fclebilmesi Sigortal\u0131n\u0131n da Sigortac\u0131n\u0131n da 1 Numaral\u0131 \u0130htiyac\u0131 -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.unicosigorta.com.tr\/blog\/havalarin-ongorulebilmesi-sigortalinin-da-sigortacinin-da-1-numarali-ihtiyaci\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Havalar\u0131n \u00d6ng\u00f6r\u00fclebilmesi Sigortal\u0131n\u0131n da Sigortac\u0131n\u0131n da 1 Numaral\u0131 \u0130htiyac\u0131 -\" \/>\n<meta property=\"og:description\" content=\"\u0130klim de\u011fi\u015fimi dedi\u011fimizde akl\u0131n\u0131za ilk ne geliyor. Eskiden buzullar\u0131n erimesi, deniz suyu seviyelerinin y\u00fckselmesi derdik de\u011fil mi? Ka\u00e7\u0131m\u0131z buzul g\u00f6rd\u00fck acaba? Ya da ka\u00e7\u0131m\u0131z\u0131n deniz suyu seviyesi art\u0131\u015f\u0131ndan bir ada \u00fclkesindeki evi zarar g\u00f6rd\u00fc. Buzullar\u0131n erimesi ya da deniz suyu seviyelerinin y\u00fckselmesi \u00f6nemsiz bir \u015fey mi? 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