RESUMO
Insurance, as a financial hedge against loss, is closely concerned with the problems presented natural disasters. In many insurance markets, natural perils are covered to a greater or less extent by property insurance and various other branches of insurance. This entails marking a close study ofsuch perils in order that the premium requirements on the hand and the loss potencial on the other may be correctly estimated.Insurance has an appreciable influence on the behaviour of the public and of industry in the matter of preparedness. By making the right use of the tools of insurance technique, especially deductibles, the insured can be motivated to take preventive measures. After disaster, the insure industry gives swift financial help and has, for the most part, an efficient loss settelement organization at its disposal for the purpose (AU)
