Abstract
Coastal hazards exacerbated by sea level rise present a growing protection gap to property owners and the wider community. ‘Actions of the Sea’ have been a traditional exclusion from insurance policies given their inevitable nature and this present a reputational risk to the industry. Insurance issues regarding coastal inundation and erosion are explored using a case study approach, investigating extreme events impacting Sydney, Australia. A novel multidisciplinary approach combining expertise of coastal hazard assessment and engineers, insurance professionals and urban planning was applied to unravel the deep complexities of the problem. National scale recommendations are formed from the technical findings. The case study focuses on the June 2016 storm event impacting Collaroy/Narrabeen.
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