14. According to the Association, there is a (too) low (spontaneous) demand for flood coverage due to low risk
perception and adverse-selection. The Association states - based on data from Belgium, not the Netherlands - that
the required participation of insured people must be at least 80-90 per cent in order to achieve a sustainable
insurance construction. With mandatory inclusion of flood coverage at all fire insurance, the problem of the (too)
low (spontaneous) question would be obviated. In addition, the Association in conjunction with this obligation
wants to extend risk awareness.
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