ABSTRACT

Mitigation measures such as window shutters can substantially reduce windstorm damage to housing. However, the cost-effectiveness of wind mitigation measures remains unclear when considering influencing factors such as financial protection via insurance, individual risk perceptions and planning time horizons. Economic incentives may also be provided to motivate homeowners to invest in mitigation. In this study, the installation of cyclone-rated window shutters as a mitigation measure for homeowners in Australia is used as a case study. A life-cycle cost analysis in conjunction with a rank-dependent expected utility model are employed to identify economic incentives that are financially attractive to homeowners with different perceived risks and planning time horizons. The effect of home insurance is also taken into account. The results suggest that, as expected, the economic incentives needed to promote window shutters among homeowners decrease with the perceived storm damage risk and planning time horizon. A rebate for shutter installation cost or a discounted insurance premium have been found to be feasible economic incentives considering a typical planning time horizon of ten years. Statistical surveys are needed in future work to calibrate the parameters within the rank-dependent utility model to better represent the risk perceptions of different groups of homeowners.

摘要

诸如百叶窗之类的缓解措施可以大大减少暴风雨对房屋的破坏。但是，在考虑影响因素（例如通过保险提供的财务保护，个人风险认知和计划时间范围）时，减风措施的成本效益尚不清楚。还可以提供经济激励措施，以激励房主投资于缓解措施。在本研究中，案例研究以安装旋风百叶窗作为缓解澳大利亚房主的措施。使用生命周期成本分析以及与等级相关的预期效用模型来确定经济诱因，这些诱因对具有不同感知风险和规划时间范围的房主在财务上具有吸引力。还考虑了房屋保险的影响。结果表明，正如预期的那样，随着房主感知到的风暴破坏风险和规划时间的推移，在房主中提高百叶窗所需的经济诱因减少。考虑到十年的典型规划时间，退回百叶窗安装成本或折现保险费被认为是可行的经济诱因。在未来的工作中需要进行统计调查，以校正等级依赖型效用模型中的参数，以更好地表示不同组屋主的风险感知。考虑到十年的典型规划时间，退回百叶窗安装成本或折现保险费被认为是可行的经济诱因。在未来的工作中需要进行统计调查，以校正等级依赖型效用模型中的参数，以更好地表示不同组屋主的风险感知。考虑到十年的典型规划时间，退回百叶窗安装成本或折现保险费被认为是可行的经济诱因。在未来的工作中需要进行统计调查，以校正等级依赖型效用模型中的参数，以更好地表示不同组屋主的风险感知。