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Disasters, prevention and insurance: does collective coverage lower individual costs?

Italy Urges Shift to Disaster Prevention After Ischia Earthquake Reconstruction Costs Soar

Gran Sasso, Italy – A powerful call for proactive disaster prevention resonated today at the INFN Gran Sasso National Laboratories, as leading Italian researchers, civil protection officials, and reconstruction experts convened to address the escalating costs and devastating impacts of natural and man-made disasters. The meeting, timed to coincide with the International Day for Disaster Risk Reduction and National Civil Protection Week, highlighted a critical need to move beyond reactive rebuilding and embrace a future-focused strategy of resilience. This is breaking news impacting Italy’s infrastructure and economic stability, and demands immediate attention for Google News indexing.

The High Cost of Waiting: Ischia and Beyond

Giovanni Legnini, Extraordinary Commissioner for the post-earthquake reconstruction of Ischia, delivered a stark warning: Italy is consistently paying the price for underinvestment in preventative measures. “Why don’t we invest more in prevention, but intervene only when it is now necessary to rebuild?” he asked, acknowledging the theoretical simplicity of the solution but lamenting the practical difficulties in implementation. Legnini emphasized that even a modest allocation – just half of current reconstruction funds directed towards seismic and hydrogeological prevention – could significantly reduce future costs. The Ischia earthquake serves as a painful example, illustrating the financial and social burden of repeatedly rebuilding after preventable disasters. This is a key issue for SEO optimization, focusing on terms like “disaster prevention Italy” and “earthquake reconstruction costs.”

“Building Back Better”: A Seismic Shift in Approach

The concept of “building back better” – constructing more resilient infrastructure during reconstruction – was championed by Raffaello Fico of the Special Office for the Reconstruction of the Municipalities of the USRC Crater. Fico argued that a 25% increase in spending on seismic adaptation during rebuilding projects would dramatically reduce the need for repeated, costly overhauls. This isn’t simply about financial savings; it’s about safeguarding lives and preserving communities. The discussion also touched upon the importance of integrating modern building codes and materials to withstand future events. This proactive approach aligns with global best practices in disaster risk reduction, and is a crucial element for long-term sustainability.

Cultural Shift and the Power of Education

Beyond infrastructure, experts stressed the vital role of education and cultural awareness. Salvatore Provenzano, from the Special Office for the Reconstruction of L’Aquila, pointed to Japan’s comprehensive risk education program, which begins in elementary school. “Training today means having more aware citizens and decision-makers tomorrow,” he stated. This cultural shift, fostering a proactive mindset towards risk, is arguably as important as any technological solution. Italy’s history is marked by seismic activity and natural disasters; embedding a culture of preparedness is essential for mitigating future impacts.

Insurance: A Complex Piece of the Puzzle

The role of insurance in bolstering disaster resilience sparked a lively debate. While acknowledging the need for increased coverage – Italy currently lags behind the European average, with only 5% of disaster-related expenditure covered by insurance compared to 20% across Europe – Legnini cautioned against a blanket obligation. He advocated for a “co-fiscalization” approach, integrating public and private funding to ensure affordability and accessibility. The low insurance rates in L’Aquila (0.2% before 2009) underscore the challenge of incentivizing coverage in high-risk areas. Alessandro Palma of the GSSI Gran Sasso Science Institute also warned of the potential for risky behavior if insurance coverage is overly generous.

Prevention Pays: A Cost-Benefit Analysis

The economic argument for prevention was powerfully illustrated by Luisa Giallonardo of the University of L’Aquila, who cited a compelling statistic: “By investing one dollar in prevention you save 25 dollars in reconstruction.” This cost-benefit ratio underscores the financial wisdom of prioritizing preventative measures. Massimo Sargolini of the University of Camerino emphasized the importance of thorough planning and ongoing monitoring, while Giovanni Fabbrocino of the University of Molise highlighted the “cultural duty” to preserve territorial memory and learn from past experiences.

The meeting, organized by the HPC4DR – High-Performance Computing for Disaster Resilience Consortium, represents a crucial step towards a more resilient Italy. Lelio Iapadre, president of the consortium, framed the event as “the starting point of a process of social valorisation of knowledge,” reaffirming the commitment of research institutions to developing and implementing effective disaster risk reduction strategies. The consortium, comprised of representatives from CNR, INAF, INFN, INGV, and several universities, is poised to play a pivotal role in shaping Italy’s future preparedness.

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