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Many insurance companies in California, U.S.A, paid
tremendous monetary compensation in the Northridge earthquake.
Therefore, how to set up proper earthquake insurance rates
for structures are worthy to explore. A method
which combines seismic damage assessment and repair cost is
developed in this paper. Dynamic nonlinear incremental spectrum
analysis is used for seismic damage assessment. Before ultimate
state, repair costs for epoxy injection are caculated according
to the crack length. After ultimatestate, repair costs for steel
or carbon fiber jacketting are determinedbased on the failure
mode. Repair cost is taken as a resonable quantitativeindex of
the earthquake loss. The earthquake insurance is caculated by
the intergration over the earthquake loss and the annual
exceedanceprobabilities. Is the earthquake insurance rate in
Taiwan reasonable? May it be higher after fire damage? A
complusory earthquake insurance rate for publicbuildings and a
flexible earthquake insurance rates for private buildings are
suggested by this paper.
The conclusions of this paper are as follows: 1.
Before collapse of medium and high rise buildings, the
earthquake loss is almost proportional to PGA and near 75% of
the earthquake loss is due to the flexural damage of beams and
columns.2. Under same PGA, repair costs are higher in low-risk
reg ions, but the earthquake insurance rates are higher in
high-risk regions due to the earthquake frequency. At the same
risk region, the earthquake loss of RC structures after fire
damage is 10~20% higher than RC structures before fire damage
and the earthquake insurance rates are 5~10% higher than
structures before fire damage.3. The earthquake insurance rates
are proposed for many ranks based on annual exceedance
probabilities of 10%, 5%, 2%, 1%, 0.2% for insurants to
choose. The coefficient of different stories for earthquake
insurance rates in Taiwan should be higher. The earthquake
insurance rates at lower-risk regions should be modified to
get higher.4. The compulsory earthquake insurance rates, for APE
less than 0.2%, are proposed for public buildings.
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