Unzureichende Exposurmodellierung führt zu Fehlkalkulation von Katastrophenschäden

Definition

German insurers and reinsurers rely on catastrophe models to quantify low-frequency, high-severity losses. However, the search results reveal systemic gaps in exposure modeling accuracy: (1) AXA spent significant resources developing its own European flood model because existing external models were insufficient for pan-European risk quantification. (2) EIOPA data shows a 'significant insurance protection gap' in the EU, with only 25% of natural catastrophe losses insured. (3) Munich Re's NatCatSERVICE database exists precisely because standardized loss analysis is fragmented. The 2020 southern Germany flooding event (€5bn total losses, €2.2bn insured) demonstrates the gap between modeled and actual losses. Claims adjusters manually reconcile model outputs against claims data, introducing delays and errors.

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Claims Adjusting, Actuarial Services.

Affected Stakeholders

Actuaries (Versicherungsmathematiker), Claims Adjusters (Schadensachverständige), Risk Managers (Risikomanger), Reinsurance Underwriters (Rückversicherungszeichner)

Related Business Risks