Economic earthquake losses can be mitigated through either building retrofit strategies and/or, to some extent, risk-transfer to the (re)insurance market. This paper proposes a computational framework to select the optimal combination of seismic retrofit and insurance policy parameters for buildings. First, a designer selects a suitable retrofit strategy. This is implemented incrementally to define interventions with increasing retrofit performance levels. The cost of each intervention is calculated, along with the cost of property rental while the retrofit is implemented. Alternative insurance options are considered. For each retrofit-insurance combination, the insured and uninsured economic losses within a given time horizon are estimated. The optimal retrofit and insurance combination minimizes the tail value at risk of the life cycle cost. The selected confidence level for this metric depends on the homeowner's risk aversion. The proposed framework is illustrated for a case-study archetype Italian reinforced concrete frame building retrofitted with concrete jacketing, also considering the Italian retrofit tax incentives/rebates called “Sismabonus.”

中文翻译：

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用于选择地震改造和保险范围的最佳组合的计算框架

经济地震损失可以通过建立改造策略和/或在某种程度上转移到（再）保险市场的风险来减轻。本文提出了一个计算框架来选择建筑物的抗震改造和保险政策参数的最佳组合。首先，设计师选择合适的改造策略。这是逐步实施的，以定义具有提高改造绩效水平的干预措施。计算每次干预的成本，以及实施改造时的物业租赁成本。考虑替代保险方案。对于每个改造-保险组合，估计给定时间范围内的保险和未保险经济损失。最佳改造和保险组合最大限度地减少了生命周期成本风险中的尾值。该指标选择的置信水平取决于房主的风险厌恶程度。建议的框架是针对一个案例研究原型意大利钢筋混凝土框架建筑进行了说明，该建筑采用混凝土护套进行了改造，同时考虑了意大利改造税收优惠/回扣，称为“西斯马伯努斯。”