Weather climate change

Finally, there is the seasonal cycle associated with the difference in climate and weather over the four seasons—winter, spring, summer, and fall (Fig. 4-3). The climatic changes affect source strength, and the weather changes affect transport and diffusion. 

Finally, increases in the intensity or variability of weather are considered another form of indirect evidence reflecting whether Earth is currently undergoing human-driven climate change. Predictions of increased incidence of extreme temperatures, tornadoes, thunderstorms, dust storms and fire-promoting weather have been drawn from basic global climate change theoiy. However, evidence has not so far borne out these predictions on a global scale. The IPCC concludes ... 

In the previous studies it was considered that the climate change has been reflected by the changes in ocean circulation pattern, ice volume, albedo, and weathering. Many... 

Keywords Adaptation climate change global warming greenhouse effect infrastructure mitigation thermal energy storage weather hazard. 

In the past few years, unstable and extreme weather patterns are increasingly occurring as phenomena of climate change, and the link to greenhouse gas (GHG) emissions is scientifically accepted. From an economic point of view, extreme weather patterns are causing major damage to health, property, and business. 

In both the roles, insurance companies deal with the management of risk activities. In fact, climate change risk is managed by the insurers through the risks they accept from clients, given that climate change causes an increase in intensity and spreading the distribution of extreme weather events with resultant effects on property claims that could be catastrophic.5... 

In this way, the insurance industry provides a coverage for climate change consequences because climate experts predict changes in the intensity and the distribution of extreme weather events and of the resulting risk of catastrophic property claims. 

First, climate change is connected to global weather patterns that may increase the potential for losses so large. As more severe weather becomes more common and overall variability of conditions increases, there is a threat for the solvency of insurance companies. 

Insurance coverage can be also connected with the liability system. But, for what concerns the consequences of climate change, such as impacts of property damage from extreme weather events, the assignment of liability is a very complex topic. See Reference [12]. 

Climate change will affect, and in some cases is already affecting, most major types of insurance products. Insurers will feel the impact of climate change on property and casualty insurance, where the insurer bears the risk of a loss suffered directly by the policy holder. These property and casualty claims include not only damage to insured property as a direct result of weather but also claims for business interruptions and other consequences of weather-induced events. Also, health and life insurers are going to face increasing costs. 

---