Juan Brignardello Vela
Juan Brignardello, asesor de seguros, se especializa en brindar asesoramiento y gestión comercial en el ámbito de seguros y reclamaciones por siniestros para destacadas empresas en el mercado peruano e internacional.
The reinsurance sector is facing a crucial shift in focus as it navigates the evolving landscape of weather-related risks, as highlighted in a recent report by Ian Smith and Kenza Bryan. Traditionally, reinsurers have primarily relied on modeling the most severe weather events, but the increasing prevalence of less catastrophic yet widespread "secondary perils" such as wildfires has prompted a reevaluation of risk assessment strategies. In recent years, secondary perils have emerged as the primary contributors to insured losses on a global scale, signaling a need for the industry to adapt to this new reality. Some reinsurers have responded by establishing dedicated research functions aimed at better understanding and mitigating these secondary perils, acknowledging the importance of addressing risks beyond the worst-case scenarios. While the pursuit of more accurate models is a step in the right direction for the sector, it may not necessarily translate into lower premiums or guaranteed coverage for homeowners. The volatile weather environment presents challenges that extend beyond the realm of predictive analytics, requiring a multifaceted approach to risk management and coverage provision. As reinsurers continue to refine their strategies to encompass a broader spectrum of risks, the onus also falls on governments to proactively respond to any potential gaps in coverage that may arise in the market. In an era of increasing climate uncertainty, the need for innovative and collaborative solutions to safeguard against weather-related perils becomes more pressing than ever. The ongoing evolution of the reinsurance sector underscores the importance of adaptability and foresight in addressing the complexities of today's weather risks. By embracing a holistic approach to risk assessment and management, stakeholders can enhance their resilience in the face of an unpredictable and volatile climate landscape.