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Rezumat articol ediţie STUDIA UNIVERSITATIS BABEŞ-BOLYAI
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Rezumat: Any damage assessment is made in order to ensure adequate compensation to the affected persons. Currently in Romania, insurance companies have minor involvement in preventing and reducing the impacts of natural and technological hazards, including those related with mining operations. Under present circumstances the only financial resources for mitigating damages caused by natural disasters are funds from State budget and external credits. Commonly these funds are insufficient to cover the damages of natural disasters; hence, increased use of insurance is needed to indemnify disasters victims. To encourage disaster insurance, the insurance companies should be able to more accurately set their insurance premiums depending on the estimated risk for each property. This risk information should be compiled in Geographical Information System (GIS) maps based on multiple disaster risk evaluation methodology. The priorities targeted by this paper are: a). Expanding the use of natural and technological risks analysis including mining related disasters by private companies; b). Encouraging the use of private insurance companies services; c). Implementing vulnerability and risk methodology for GIS hazard mapping in Romania, including mining facilities. The present paper identifies major advantages of a better involvement of insurance companies at the local level in Romania based on a standard risk identification and quantification methodology. Since damages produced by a natural disaster can not be fully covered by State funds a better use of insurance will indemnify disaster victims. Insurance companies can more efficiently estimate their insurances premiums for every property and facility, using risk maps based on the multi-disaster risk evaluation methodology.
Key words: risk, vulnerability, evaluation methodology, mining facility, insurance, GIS risk maps
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