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Alpha 3 Victor Whiskey X-ray 4ID. There's also something called an insurance gap and what this basically is is The overall insured losses are expected to be lifted due to a lower insurance take-up rate so for example only 10% of households and areas in Kingston are insured so basically the insurance damage might not look that you know might not be that big on paper obviously the resorts and certain commercial and industrial entities are going to be fully insured, but as far as residences go and perhaps you know smaller businesses go they may not be insured at all so that type of loss is difficult to quantify because you're not going to have an insurance claim put in against it these people are essentially going to take a hit either by walking away from a loan that they have outstanding through the bank or you know just simply losing their business because they can't repair it they don't have enough liquid cash to fix it so that's a big problem that's not often discussed
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