一位新西兰人以不切实际的机率和缺乏数据访问机会为由, 质疑他的保险公司对内地洪水激增的高风险评级。 A New Zealander challenges his insurer’s high-risk rating for inland flood surge, citing unrealistic odds and lack of data access.

一名新西兰人Trevor Taylor在Tower Insurance在他的内陆地产贴上了海浪高风险标签之后取消了他的家庭保险,尽管它距离海岸很远。 A New Zealander, Trevor Taylor, canceled his home insurance after Tower Insurance labeled his inland property high-risk for sea surges, despite its distance from the coast. Taylor对评估意见提出异议,认为水需要通过河流上山,阻止银行到他家,认为情况不现实。 Taylor disputes the assessment, arguing water would need to travel uphill through rivers and stop banks to reach his home, calling the scenario unrealistic. 他请求根据隐私法查阅保险人的数据,但以商业敏感性为由被拒绝。 He requested access to the insurer’s data under privacy laws but was denied, citing commercial sensitivity. 泰勒指出,政府的数据显示,风暴潮很少超过0.6米,最高记录为0.9米。 Taylor points to government data showing storm surges rarely exceed 0.6 meters, with the highest recorded at 0.9 meters. 塔楼表示其评级与当地洪水地图一致, 并反映了极端天气期间附近水道的风险, 指出大多数受影响的家庭每年保费增加不到300美元. Tower says its rating aligns with local flood maps and reflects risks from nearby waterways during extreme weather, noting most affected homes see premium increases under $300 annually. 泰勒要求政府对风险评估的透明度进行审查。 Taylor is calling for a government review of risk assessment transparency.