Damage caused by flood events is expected to increase in the coming decades driven by increased land use pressures and climate change impacts. The insurance sector needs accurate and efficient loss adjustment methodologies for flood events. These can include remote sensing approaches that enable the rapid estimation of (i) damage caused to property as well as (ii) the number of affected properties. Approaches based on traditional remote sensing methods have limitations associated with low-cloud cover presence, oblique viewing angles, and the resolution of the geomatic products obtained. Unmanned aerial vehicles (UAVs) are emerging as a potential tool for post-event assessment and provide a means of overcoming the limitations listed above. This paper presents a UAV-based loss-adjustment framework for the estimation of direct tangible losses to residential properties affected by flooding. For that purpose, features indicating damage to property were mapped from UAV imagery collected after the Desmond storm (5 and 6 December 2015) over Cockermouth (Cumbria, UK). Results showed that the proposed framework provided an accuracy of 84% in the detection of direct tangible losses compared with on-the-ground household-by-household assessment approaches. Results also demonstrated the importance of pluvial and, from eye witness reports, lateral flow flooding, with a total of 168 properties identified as flooded falling outside the fluvial flood extent. The direct tangible losses associated with these additional properties amounted to as high as £3.6 million. The damage-reducing benefits of resistance measures were also calculated and amounted to around £4 million. Differences in direct tangible losses estimated using the proposed UAV approach and the more classic loss-adjustment methods relying on the fluvial flood extent was around £1 million—the UAV approach providing the higher estimate. Overall, the study showed that the proposed UAV approach could make a significant contribution to improving the estimation of the costs associated with urban flooding, and responses to flooding events, at national and international levels.
An assessment of exposure to glutaraldehyde in cold sterilisation and x ray development processes was undertaken in 14 locations at six hospitals in south east England. The results obtained indicate that routine exposures of hospital workers to airborne concentrations of the compound are within the current United Kingdom occupational exposure limit of 0.7 mg m-3. There was the potential for skin contact in many of the activities observed and alternative sterilisation and disinfection procedures would have been more appropriate in some situations. Recommendations are made on reducing exposures as the current occupational exposure limit for this compound may not be appropriate.
Despite the significant financial and non-financial costs of household flooding, and the availability of products that can reduce the risk or impact of flooding, relatively few consumers choose to adopt these products. To help explain this, we combine the existing theoretical literature with evidence from 20 one-to-one discussions and three workshops with key stakeholders, as well as five round tables, to draw practical evidence of actual responses to flood risk. This analysis leads us to propose an extension to Protection Motivation Theory (PMT), which more accurately captures the decision-making process of consumers by highlighting the role of ‘ownership appraisal’. We then assess the extent to which behavioral biases impact on this revised framework. By highlighting the interaction with an augmented model of PMT and behavioral biases, the paper sheds light on potential reasons behind the fact that consumers are unlikely to adopt property-level flood resilience measures and identifies strategies to increase flood protection. The Augmented PMT suggests that policymakers might focus on increasing the Ownership Appraisal element, both directly and by targeting the creation of more supportive social norms. The work presented here opens up a wide range of areas for future research in the field.
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