ASSESSMENT OF TCIP COMPULSORY EARTHQUAKE INSURANCE EVALUATIONS BY LOSS ADJUSTERS UNDER FUZZY LOGIC

C. O. Incekara
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Abstract

Due to the geological, topographic and climatic characteristics of Turkey, natural disasters are frequently experienced. 96% of Turkey is in an earthquake zone with different degrees of danger zones. This situation clearly reveals the importance of having TCIP (Turkish Natural Catastrophe Insurance Pool) earthquake insurance in Turkey. Earthquake insurance certificate is an assurance that financial losses are compensated immediately after an earthquake. In the study, 53 number of experts (DM) working in the insurance sector and experts in TCIP insurance, earthquake & buildings’ structural mechanics, who are managers, engineers, insurance experts and instructors in public and private sectors, were interviewed. Criteria and sub-criteria of the study are formed as a result of the interviews and the established criteria and related sub-criteria (21 main criteria/75 sub-criteria) are evaluated. In the study, fuzzy multi-objective mathematical model (FMOM: by using Fuzzy AHP (Analytical Hierarchy Process), Fuzzy TOPSIS and Fuzzy VIKOR methods) are used to evaluate/calculate the damages within the scope of TCIP insurance after the earthquake by insurance experts. "Post-earthquake damage assessment form" is formed by using multi-criteria decision making (MCDM) method which is Fuzzy AHP (Analytical Hierarchy Process), Fuzzy TOPSIS and Fuzzy VIKOR methods. In the study, the criteria were weighted by using Fuzzy AHP method and among the criteria, “Building’s Structural System Type” which has the highest importance weight value, therefore it was the most important criterion. The second criterion is “Status of Column Damages/Fractures”, the third criterion is “The Intensity of the Earthquake”. By using Fuzzy TOPSIS and Fuzzy VIKOR methods, 5 number of insurance experts who evaluate/make TCIP insurance are evaluated and the most suitable/experienced insurance expert is selected.
基于模糊逻辑的地震强制保险理赔人员评估
由于土耳其的地质、地形和气候特点,自然灾害频发。土耳其96%的地区处于不同程度的地震危险区。这种情况清楚地揭示了在土耳其购买TCIP(土耳其自然灾害保险池)地震保险的重要性。地震保险证书是一种在地震发生后立即赔偿经济损失的保证。在这项研究中,53位在保险部门工作的专家(DM)和TCIP保险、地震和建筑结构力学方面的专家,他们是公共和私营部门的经理、工程师、保险专家和讲师。访谈形成了研究的准则和分准则,并对既定准则和相关的分准则(21个主要准则/75个分准则)进行评估。本研究采用模糊多目标数学模型(FMOM),由保险专家运用模糊层次分析法(AHP)、模糊TOPSIS和模糊VIKOR方法对地震后TCIP保险范围内的损失进行评估/计算。采用多准则决策(MCDM)方法,即模糊层次分析法(AHP)、模糊TOPSIS法和模糊VIKOR法,形成了“震后震害评估表”。本研究采用模糊层次分析法对各指标进行加权,其中“建筑结构体系类型”的重要权重值最高,为最重要的指标。第二个准则是“柱损伤/断裂状态”,第三个准则是“地震烈度”。采用模糊TOPSIS法和模糊VIKOR法,对5位评估/制作TCIP保险的保险专家进行评价,选出最适合/经验最丰富的保险专家。
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