Flood Warning and Damages in Alice Springs: Part 1 Executive Summary. Part 2 Tangible Damages Part 3 Intangible Damages & Emergency Procedures
Handmer, John; Smith, D. I.; Greenaway, Mark
E-Publications; E-Books; PublicationNT; Report ; 53/1989
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Power and Water Authority
Report ; 53/1989
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Technical Report WRA89053 Viewed at 03:02:00 on 18/02/2010 Page 32 of 139. ~~ncs. They are bes~ regarded as "self-insured " . However, ~'f t~:se i~terv~ewed 8 had no flood cover and a further 4 we~e ~~cer~al~. I~ common ~i~h flood insurance elsewhere i~ AuSt:5:12, :~e larger busInesses, with ODe major excep:lon Inum~e= 2 in :able 2.5), a1: had flood cover while the :n2"]0=::,y cf small busi:1ess (7 out of 12) did not. Flood .:l:'v~r ~or snaIl businesses is ~nusual and only in Queensland and :~e Ncr:hern Territory is such insurance available for ~ouse~Jlders and small bus~ness. :he situation with ~nsurance payments is complicated as :n addi:.ion :'0 :.he effects of flooding, from either the river ~r urban drainage surcharge, many properties suffered stcr~ jamaae. T~is resulted i~ damaqe to rooves and ~eil!~;s a;d thus, =ain-da~age to co~tents. Such losses are cove=e::i by r,ormal househol::i or cO:Tw"l1ercial insura:1ce r~gar=:ess of whe~her extra f:ood premiu~s are paid or noc. Thus; :..r.. part f t~e flccd cia:nage '!las co~pol:nded by storm ~ffec:s wicn confusion, Ii'. sor,e cases, as t.o wr..ether insura~ce was appllcable or not. -:'he :nrormatiorl. fro:n the co:nmerc':'al su::-vey on di.rec: and i~ji~ect damage is discussed below. Damage Estimates for the flood of Easter 1988 The p~ocedures for estirna~lng the residential and commercial losses for the Alice Springs :lood of Easter 1988 have bee:1 jescr:oed. For the residential secto~ the direct damages 3.re ocsed Of'. '::"1e ANU~LOOD property daca base, the l:"rr.its of the f:ood and the stage-damage curves illustrated in Fig~re _ . 3 a~.::i Table 2.2. For the commercial sector the damages 3re based on ~he information collected by ~nterview. Compl;.cating factors The estimates of the daDage however, need to be qualified to 3110w fo~ a number of comp!icat:r.g factors. Of parcicula= signl~icance is the proble~ of defining 'fflood" damage. ANUFLOOD is designed to assess the costs of inundatio:1 from river floodi:1g. However, it is clear that in Alice Springs there was additional water damage. This was from cwo sources, storm damage and flooding from urban drainage surc:1arge. The former is cechnically rain damage but when rainwa~er comes through rooves it is difficult to disti~auish from the effeces of river flooding at the same prope::-~y. Thus, for p::-operties experiencing rain damage, that !:e w:chin the zone inun::iated by the Todd River, the costs have generally been inclu::ied. :n addition, t~ere are :he effects of u~ba:1 d=alns provl~g inadequate to cope Ni:~ heavy rainfalls, thIS is termed urban d~ainage s~::-charge. In Alice Springs ehis caused extensive shallow overground, and in some instances, 0verf~oor flooding. Where thlS lies outside the limits of river :loo::i:ng, and therefore the ANUcLOOD property data base, :t has not been included i:1 the damage estlmates. Elsewhere, areas 0: shal:ow flooding from urban dral:1age I I I I I I I I I I I I I I I I I I I I
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