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Use of insurance loss data in Municipalities : a case study on the possibilities and challenges of implementing insurance loss data in the work on surface water measures

Haavik, Hanne; Due, Lina Bratten
Master thesis
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URI
https://hdl.handle.net/11250/2682561
Date
2020
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  • Master Thesis [3258]
Abstract
Climate change has several consequences for modern societies. One example is increasing and

more severe precipitation which can lead to an increase in surface water damage. In 2013,

Norwegian insurance companies shared insurance loss data to a selection of Norwegian

municipalities as part of a pilot project initiated by Finance Norway. The aim was to strengthen

municipalities ability to prepare for increased uncertainty represented by climate change. This

thesis aims to gain a richer understanding of municipalities climate preventive work

concerning surface water, with the use of insurance loss data. Following research question will

be addressed:

How have two municipalities in Norway implemented insurance loss data in their

municipal work concerning measures on surface water, and what surrounding

circumstances might explain this utilization?

By interviewing respondents from two municipalities that took part in the pilot project, we

have identified 12 findings, arranged into four themes. The first theme consists of four findings

concerning municipal factors that influence how municipalities have to work with insurance

loss data. The second theme involves two findings about the challenge’s municipalities face

in order to fully make use of insurance loss data. These are low data quality and unclear

allocation of responsibility concerning management of surface water. The third theme

concerns where insurance loss data can be implemented. We find that there are few conducted

projects with insurance loss data. Nevertheless, the respondents identify potential projects

where it can be beneficial to include this data. In the fourth theme, we identified four findings

concerning how the challenges with insurance loss data can be faced. These are associated

with a standardization of processes within a municipality and a standard format of reporting

insurance loss data. The insurance loss data must also contain more detailed localization and

dating for when a damage occurred, as well as better information about the reason for a

damage.

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