ORCID Profile
0000-0002-3102-6356
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Social and Cultural Geography | Human Geography
Expanding Knowledge through Studies of Human Society | Natural Hazards in Urban and Industrial Environments |
Publisher: SAGE Publications
Date: 24-09-2019
Abstract: The underinsurance of property is pervasively and persuasively promoted as an indicator of risk and riskiness and, in Western nations, is assumed to be aligned with socio-economic disadvantage. Yet, the solution – in its most simple form, buying more insurance – lacks critical interrogation of what the problem actually is. To understand underinsurance better, we map house and contents underinsurance across two municipalities in Australia’s island state of Tasmania, and observe that the existing delineation of disadvantage and advantage between these two places is muted in relation to insurance – underinsurance does not straightforwardly map onto disadvantage. We provide an alternative explanation: that underinsurance is not a risk for households per se and does not represent riskiness on behalf of these households. Rather, it is indicative of household agency that produces place-specified responses within the processes of financialisation and marketisation. We observe that the growth in renting, driven in part by housing financialisation, is associated with property underinsurance. The history of renting as temporary and marginal informs renter decision making not to insure, and thus current financialised changes in housing co-produce rather than ameliorate underinsurance. We also conclude that in negating or resisting insurance marketisation, households garner everyday financial and material adaptative capacity by underinsuring.
Publisher: Informa UK Limited
Date: 03-04-2018
Publisher: Springer Science and Business Media LLC
Date: 30-05-2017
Publisher: SAGE Publications
Date: 09-11-2017
Abstract: In undertaking what we believe is the first national-scale study of its kind, we provide methodologically transparent, statistically robust insights into associations and potential unfolding effects of house and contents under-insurance. We identify new dimensions in the complex relationship between householders and insurance, including the salience of interpersonal – and likely institutional – trust. Under-insurance is (re)produced along socio-economic and geographical lines, with those of lower socio-economic status or living in cities more likely to be under-insured. Should a disaster strike, such communities are likely to suffer further disadvantage, especially if governments continue to shift the responsibility for risk onto households. Our findings support the observation that insurance can contribute to increasing socio-economic urban polarisation in light of natural disasters. We conclude by considering how under-insurance may contribute to growing urban social stratification, as well as how it may produce situated ethical and political responses that exceed neoliberal aspirations.
Publisher: Informa UK Limited
Date: 02-01-2022
Publisher: Wiley
Date: 11-08-2020
DOI: 10.1002/WCC.676
Abstract: As losses from extreme weather events grow, many governments are looking to privatize the financing and incentivization of climate adaptation through insurance markets. In a pure market approach to insurance for extreme weather events, in iduals become responsible for ensuring they are adequately covered for risks to their own properties, and governments no longer contribute funds to post‐disaster recovery. Theoretically, insurance premiums signal the level of risk faced by each household, and incentivize homeowners to invest in adaptive action, such as retrofitting, or drainage work, to reduce premiums. Where risk is considered too high by insurance markets, housing is devalued, in theory leading to retreat from risky areas. In this review article, we evaluate the suitability of private insurance as a mechanism for climate adaptation at a household and community level. We find a mismatch between social understandings of responsibility for climate risks, and the technocratic, market‐based home insurance products offered by private insurance markets. We suggest that by constructing increasingly in idualized, technical, and calculative evaluations of risk, market‐based models of insurance for extreme weather events erode the solidaristic and collective discourses and practices that support adaptive behavior. This article is categorized under: Vulnerability and Adaptation to Climate Change Institutions for Adaptation
Publisher: Elsevier BV
Date: 10-2022
Publisher: Resilience Alliance, Inc.
Date: 2018
Publisher: Informa UK Limited
Date: 06-03-2014
Publisher: Routledge
Date: 24-06-2022
Publisher: Springer Science and Business Media LLC
Date: 03-04-2019
Publisher: Informa UK Limited
Date: 07-03-2016
Publisher: Elsevier BV
Date: 07-2015
Publisher: Elsevier BV
Date: 12-2019
Publisher: Elsevier BV
Date: 09-2013
Publisher: Springer Science and Business Media LLC
Date: 04-2021
No related organisations have been discovered for Kate Booth.
Start Date: 05-2017
End Date: 12-2021
Amount: $327,451.00
Funder: Australian Research Council
View Funded Activity