{"id":94101,"date":"2026-08-13T09:31:17","date_gmt":"2026-08-13T14:31:17","guid":{"rendered":"https:\/\/blog.jackjia.com\/?p=94101"},"modified":"2026-08-13T09:31:38","modified_gmt":"2026-08-13T14:31:38","slug":"20260813-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%88%bf%e4%b8%bb%e5%8e%8b%e5%8a%9b%e5%b1%b1%e5%a4%a7%ef%bc%81%e5%b1%b1%e7%81%ab%e6%b4%aa%e6%b0%b4%e9%a2%91%e5%8f%91%ef%bc%8c%e6%88%bf%e5%b1%8b%e4%bf%9d%e9%99%a9","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=94101","title":{"rendered":"20260813\/\u52a0\u62ff\u5927\u623f\u4e3b\u538b\u529b\u5c71\u5927\uff01\u5c71\u706b\u6d2a\u6c34\u9891\u53d1\uff0c\u623f\u5c4b\u4fdd\u9669\u72c2\u6da8\uff0c85\u4e07\u5957\u623f\u65e0\u6d2a\u6c34\u9669"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u968f\u7740\u52a0\u62ff\u5927\u81ea\u7136\u707e\u5bb3\u65e5\u76ca\u9891\u7e41\uff0c\u623f\u5c4b\u4fdd\u9669\u8d39\u7528\u6301\u7eed\u4e0a\u6da8\uff0c\u5c24\u5176\u662f\u5728\u91ce\u706b\u548c\u6d2a\u6c34\u9ad8\u98ce\u9669\u5730\u533a\uff0c\u5c45\u6c11\u4e0d\u4ec5\u9762\u4e34\u8d8a\u6765\u8d8a\u6602\u8d35\u7684\u4fdd\u9669\u4fdd\u8d39\uff0c\u90e8\u5206\u623f\u5c4b\u751a\u81f3\u96be\u4ee5\u83b7\u5f97\u4fdd\u9669\u6216\u8d37\u6b3e\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u4fdd\u9669\u5c40\uff08Insurance Bureau of Canada\uff09\u8868\u793a\uff0c\u8fd1\u5e74\u6765\uff0c\u52a0\u62ff\u5927\u906d\u9047\u6781\u7aef\u5929\u6c14\u707e\u5bb3\u7684\u9891\u7387\u548c\u4e25\u91cd\u7a0b\u5ea6\u4e0d\u65ad\u4e0a\u5347\uff0c\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u7684\u635f\u5931\u4e5f\u968f\u4e4b\u589e\u52a0\uff0c\u6700\u7ec8\u53cd\u6620\u5728\u6d88\u8d39\u8005\u7684\u4fdd\u9669\u6210\u672c\u4e0a\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_1.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_1.png\" alt=\"\" width=\"640\" height=\"478\" class=\"aligncenter size-full wp-image-94102\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_1.png 640w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_1-300x224.png 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>\u52a0\u62ff\u5927\u4fdd\u9669\u5c40\u7684Liam McGuinty\u8868\u793a\uff0c\u8fc7\u53bb\u4e00\u4e9b\u5f88\u5c11\u53d1\u751f\u4e25\u91cd\u81ea\u7136\u707e\u5bb3\u7684\u5730\u533a\uff0c\u5982\u4eca\u4e5f\u5f00\u59cb\u9891\u7e41\u53d7\u5230\u6781\u7aef\u5929\u6c14\u4e8b\u4ef6\u5f71\u54cd\u3002<\/p>\n<p>\u4ed6\u8bf4\uff0c\u8fd9\u79cd\u53d8\u5316\u540c\u6837\u4f53\u73b0\u5728\u91ce\u706b\u98ce\u9669\u4e0a\u3002\u201c\u4ece\u7ebd\u82ac\u5170\u7701\u5230\u65b0\u65af\u79d1\u820d\u7701\uff0c\u518d\u5230\u4e0d\u65ad\u903c\u8fd1\u5927\u6e29\u54e5\u534e\u5730\u533a\u7684\u5c71\u706b\uff0c\u5982\u4eca\u52a0\u62ff\u5927\u8bb8\u591a\u8fc7\u53bb\u5e76\u4e0d\u4e60\u60ef\u9762\u5bf9\u91ce\u706b\u7684\u5730\u533a\uff0c\u4e5f\u5f00\u59cb\u53d7\u5230\u5f71\u54cd\u3002\u201d<\/p>\n<p>**\u963f\u5c14\u4f2f\u5854\u623f\u5c4b\u4fdd\u9669\u4fdd\u8d3920\u5e74\u4e0a\u6da8\u903e390%<\/p>\n<p>\u6839\u636e\u52a0\u62ff\u5927\u7edf\u8ba1\u5c40\uff08Statistics Canada\uff09\u8fd1\u671f\u53d1\u5e03\u7684\u4e00\u4efd\u62a5\u544a\uff0c\u5728\u8fc7\u53bb20\u5e74\u91cc\uff0c\u52a0\u62ff\u5927\u5404\u7701\u623f\u5c4b\u4fdd\u9669\u4fdd\u8d39\u5747\u51fa\u73b0\u4e0d\u540c\u7a0b\u5ea6\u4e0a\u6da8\uff0c\u5176\u4e2d\u963f\u5c14\u4f2f\u5854\u7701\u6da8\u5e45\u6700\u4e3a\u60ca\u4eba\uff0c\u7d2f\u8ba1\u4e0a\u6da8\u8d85\u8fc7390%\u3002<\/p>\n<p>\u5168\u56fd\u8303\u56f4\u6765\u770b\uff0c\u8fc7\u53bb\u51e0\u5e74\u52a0\u62ff\u5927\u623f\u5c4b\u4fdd\u9669\u8d39\u7528\u7684\u6da8\u5e45\u5df2\u7ecf\u8d85\u8fc7\u901a\u80c0\u6c34\u5e73\u3002<\/p>\n<p>\u4fdd\u9669\u4e1a\u754c\u8ba4\u4e3a\uff0c\u81ea\u7136\u707e\u5bb3\u98ce\u9669\u4e0d\u65ad\u589e\u52a0\uff0c\u662f\u63a8\u52a8\u4fdd\u9669\u6210\u672c\u4e0a\u6da8\u7684\u91cd\u8981\u539f\u56e0\u4e4b\u4e00\u3002\u968f\u7740\u91ce\u706b\u3001\u6d2a\u6c34\u3001\u66b4\u96e8\u7b49\u6781\u7aef\u5929\u6c14\u4e8b\u4ef6\u8d8a\u6765\u8d8a\u9891\u7e41\uff0c\u4fdd\u9669\u516c\u53f8\u9700\u8981\u627f\u62c5\u7684\u7406\u8d54\u91d1\u989d\u4e5f\u6301\u7eed\u6500\u5347\u3002<\/p>\n<p>McGuinty\u8868\u793a\uff1a\u201c\u8d8b\u52bf\u975e\u5e38\u660e\u663e\u3002\u6211\u4eec\u6bcf\u4e00\u5e74\u9762\u5bf9\u7684\u707e\u5bb3\u51b2\u51fb\u90fd\u5728\u52a0\u91cd\u3002\u201d<\/p>\n<p>\u4ed6\u6307\u51fa\uff0c\u8d8a\u6765\u8d8a\u591a\u52a0\u62ff\u5927\u4eba\u66b4\u9732\u5728\u81ea\u7136\u707e\u5bb3\u98ce\u9669\u4e4b\u4e0b\uff0c\u800c\u76f8\u5173\u6210\u672c\u6700\u7ec8\u4f1a\u7531\u6574\u4e2a\u793e\u4f1a\u5171\u540c\u627f\u62c5\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_2.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_2.png\" alt=\"\" width=\"636\" height=\"389\" class=\"aligncenter size-large wp-image-94103\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_2.png 636w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/ctv260813_2-300x183.png 300w\" sizes=\"(max-width: 636px) 100vw, 636px\" \/><\/a><\/p>\n<p>**\u6d2a\u6c34\u6210\u4e3a\u52a0\u62ff\u5927\u4fdd\u9669\u635f\u5931\u7684\u4e3b\u8981\u6765\u6e90<\/p>\n<p>\u867d\u7136\u8fd1\u5e74\u6765\u52a0\u62ff\u5927\u5404\u5730\u9891\u7e41\u53d1\u751f\u4e25\u91cd\u5c71\u706b\uff0c\u5e76\u4e0d\u65ad\u767b\u4e0a\u65b0\u95fb\u5934\u6761\uff0c\u4f46\u4ece\u4fdd\u9669\u635f\u5931\u6765\u770b\uff0c\u5f3a\u964d\u96e8\u5f15\u53d1\u7684\u6d2a\u6c34\u4ecd\u7136\u662f\u52a0\u62ff\u5927\u6700\u5927\u7684\u4fdd\u9669\u635f\u5931\u6765\u6e90\u4e4b\u4e00\u3002<\/p>\n<p>\u6ed1\u94c1\u5362\u5927\u5b66Intact\u6c14\u5019\u9002\u5e94\u4e2d\u5fc3\uff08Intact Centre on Climate Adaptation\uff09\u7684Kathryn Bakos\u8868\u793a\uff0c\u76ee\u524d\u52a0\u62ff\u5927\u5927\u7ea6\u67096%\u7684\u4f4f\u5b85\u5e02\u573a\u65e0\u6cd5\u83b7\u5f97\u6d2a\u6c34\u98ce\u9669\u4fdd\u9669\u3002<\/p>\n<p>\u8fd9\u610f\u5473\u7740\u5168\u56fd\u7ea6\u670985\u4e07\u5957\u4f4f\u623f\u65e0\u6cd5\u8d2d\u4e70\u6d2a\u6c34\u4fdd\u9669\u3002<\/p>\n<p>\u6d2a\u6c34\u9020\u6210\u7684\u7ecf\u6d4e\u635f\u5931\u4e5f\u5341\u5206\u60ca\u4eba\u30022025\u5e74\uff0c\u52a0\u62ff\u5927\u6d2a\u6c34\u9020\u6210\u7684\u4fdd\u9669\u8d54\u4ed8\u635f\u5931\u8d85\u8fc710\u4ebf\u52a0\u5143\uff1b2024\u5e74\uff0c\u8fd9\u4e00\u6570\u5b57\u66f4\u8d85\u8fc740\u4ebf\u52a0\u5143\u3002<\/p>\n<p>\u5bf9\u4e8e\u5c45\u4f4f\u5728\u9ad8\u6d2a\u6c34\u98ce\u9669\u5730\u533a\u7684\u52a0\u62ff\u5927\u4eba\u6765\u8bf4\uff0c\u95ee\u9898\u5df2\u7ecf\u4e0d\u518d\u53ea\u662f\u201c\u4fdd\u9669\u8d35\u4e0d\u8d35\u201d\uff0c\u800c\u662f\u9010\u6e10\u6f14\u53d8\u6210\u201c\u80fd\u4e0d\u80fd\u4e70\u5230\u4fdd\u9669\u201d\u4ee5\u53ca\u201c\u8fd8\u80fd\u4e0d\u80fd\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e\u201d\u3002<\/p>\n<p>**\u9ad8\u98ce\u9669\u5730\u533a\u4e0d\u4ec5\u4e70\u4fdd\u9669\u96be\uff0c\u7533\u8bf7\u623f\u8d37\u4e5f\u53ef\u80fd\u53d7\u5f71\u54cd<\/p>\n<p>Bakos\u6307\u51fa\uff0c\u4e00\u4e9b\u91d1\u878d\u673a\u6784\u5df2\u7ecf\u5f00\u59cb\u6536\u7d27\u5bf9\u9ad8\u6d2a\u6c34\u98ce\u9669\u5730\u533a\u623f\u4ea7\u7684\u8d37\u6b3e\u653f\u7b56\u3002<\/p>\n<p>\u5979\u8868\u793a\uff0c\u5305\u62ecDesjardins Financial\u5728\u5185\u7684\u4e00\u4e9b\u62b5\u62bc\u8d37\u6b3e\u63d0\u4f9b\u5546\uff0c\u5df2\u7ecf\u505c\u6b62\u5411\u90e8\u5206\u9ad8\u98ce\u9669\u6d2a\u6c34\u533a\u57df\u63d0\u4f9b\u623f\u5c4b\u8d37\u6b3e\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u5728\u9b41\u5317\u514b\u7701\uff0c\u4e00\u4e9b\u5730\u533a\u5982\u679c\u6bcf\u5e74\u7684\u6d2a\u6c34\u98ce\u9669\u8d85\u8fc75%\uff0c\u5c31\u53ef\u80fd\u9762\u4e34\u66f4\u52a0\u4e25\u683c\u7684\u8d37\u6b3e\u9650\u5236\u3002<\/p>\n<p>\u8fd9\u610f\u5473\u7740\uff0c\u5bf9\u4e8e\u751f\u6d3b\u5728\u8fd9\u4e9b\u5730\u533a\u7684\u5c45\u6c11\u6765\u8bf4\uff0c\u81ea\u7136\u707e\u5bb3\u98ce\u9669\u6b63\u5728\u4ece\u4e00\u4e2a\u73af\u5883\u95ee\u9898\uff0c\u9010\u6e10\u8f6c\u5316\u4e3a\u76f4\u63a5\u5f71\u54cd\u5bb6\u5ead\u8d44\u4ea7\u4ef7\u503c\u3001\u4fdd\u9669\u4fdd\u969c\u4ee5\u53ca\u623f\u5c4b\u878d\u8d44\u80fd\u529b\u7684\u91d1\u878d\u95ee\u9898\u3002<\/p>\n<p>**\u52a0\u62ff\u5927\u4ecd\u662f\u201c\u9ad8\u5ea6\u53ef\u6295\u4fdd\u201d\u7684\u56fd\u5bb6<\/p>\n<p>\u5c3d\u7ba1\u81ea\u7136\u707e\u5bb3\u5e26\u6765\u7684\u98ce\u9669\u4e0d\u65ad\u4e0a\u5347\uff0cBakos\u5f3a\u8c03\uff0c\u52a0\u62ff\u5927\u6574\u4f53\u800c\u8a00\u4ecd\u7136\u662f\u4e00\u4e2a\u4fdd\u9669\u8986\u76d6\u7a0b\u5ea6\u8f83\u9ad8\u7684\u56fd\u5bb6\u3002<\/p>\n<p>\u5979\u8868\u793a\uff0c\u666e\u901a\u5bb6\u5ead\u4e5f\u53ef\u4ee5\u91c7\u53d6\u4e00\u4e9b\u63aa\u65bd\uff0c\u964d\u4f4e\u623f\u5c4b\u906d\u53d7\u6d2a\u6c34\u548c\u91ce\u706b\u7834\u574f\u7684\u98ce\u9669\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u5c45\u6c11\u53ef\u4ee5\u5728\u624b\u673a\u4e0a\u4e0b\u8f7dWeatherCan\u5929\u6c14\u5e94\u7528\uff0c\u53ca\u65f6\u4e86\u89e3\u6781\u7aef\u5929\u6c14\u9884\u8b66\uff1b\u540c\u65f6\uff0c\u4e5f\u53ef\u4ee5\u91c7\u53d6\u4e00\u4e9b\u7b80\u5355\u4f46\u6709\u6548\u7684\u5bb6\u5ead\u9632\u707e\u63aa\u65bd\uff0c\u4f8b\u5982\u6e05\u7406\u623f\u5c4b\u5468\u56f4\u7684\u6811\u53f6\u3001\u6811\u679d\u548c\u5176\u4ed6\u6742\u7269\uff0c\u907f\u514d\u5835\u585e\u5ba4\u5916\u6392\u6c34\u53e3\uff0c\u4ece\u800c\u964d\u4f4e\u66b4\u96e8\u671f\u95f4\u53d1\u751f\u79ef\u6c34\u548c\u6d2a\u6c34\u7684\u98ce\u9669\u3002<\/p>\n<p>\u5728\u91ce\u706b\u98ce\u9669\u65b9\u9762\uff0c\u4fdd\u6301\u623f\u5c4b\u5468\u56f4\u73af\u5883\u6574\u6d01\u3001\u6e05\u9664\u6613\u71c3\u7269\uff0c\u540c\u6837\u53ef\u4ee5\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u964d\u4f4e\u706b\u707e\u8513\u5ef6\u81f3\u4f4f\u5b85\u7684\u98ce\u9669\u3002<\/p>\n<p>Bakos\u8868\u793a\uff0c\u52a0\u62ff\u5927\u793e\u4f1a\u9700\u8981\u4ece\u8fc7\u53bb\u7684\u201c\u707e\u5bb3\u53d1\u751f\u540e\u518d\u5e94\u5bf9\u201d\uff0c\u8f6c\u5411\u66f4\u52a0\u79ef\u6781\u4e3b\u52a8\u7684\u98ce\u9669\u7ba1\u7406\u6a21\u5f0f\u3002<\/p>\n<p>\u201c\u6211\u4eec\u9700\u8981\u6210\u4e3a\u4e00\u4e2a\u66f4\u52a0\u4e3b\u52a8\uff0c\u800c\u4e0d\u662f\u88ab\u52a8\u5e94\u5bf9\u707e\u5bb3\u7684\u793e\u4f1a\u3002\u6211\u4eec\u5e94\u8be5\u5728\u707e\u5bb3\u53d1\u751f\u4e4b\u524d\uff0c\u5c31\u628a\u964d\u4f4e\u98ce\u9669\u7684\u63aa\u65bd\u7eb3\u5165\u6574\u4e2a\u7cfb\u7edf\u4e4b\u4e2d\u3002\u201d<\/p>\n<p>\u968f\u7740\u52a0\u62ff\u5927\u6781\u7aef\u5929\u6c14\u4e8b\u4ef6\u65e5\u76ca\u9891\u7e41\uff0c\u4fdd\u9669\u8d39\u7528\u4e0a\u6da8\u53ef\u80fd\u53ea\u662f\u98ce\u9669\u53d8\u5316\u6700\u76f4\u63a5\u7684\u4f53\u73b0\u3002\u5bf9\u4e8e\u623f\u4e3b\u800c\u8a00\uff0c\u672a\u6765\u9700\u8981\u8003\u8651\u7684\u53ef\u80fd\u4e0d\u4ec5\u662f\u6bcf\u5e74\u8981\u652f\u4ed8\u591a\u5c11\u4fdd\u9669\u8d39\uff0c\u8fd8\u5305\u62ec\u6240\u5728\u793e\u533a\u662f\u5426\u5c5e\u4e8e\u9ad8\u98ce\u9669\u533a\u57df\u3001\u623f\u5c4b\u662f\u5426\u80fd\u591f\u83b7\u5f97\u8db3\u591f\u7684\u4fdd\u9669\u4fdd\u969c\uff0c\u4ee5\u53ca\u4fdd\u9669\u72b6\u51b5\u662f\u5426\u4f1a\u8fdb\u4e00\u6b65\u5f71\u54cd\u623f\u4ea7\u878d\u8d44\u548c\u4ef7\u503c\u3002 <\/p>\n<p>\u65b0\u95fb\u6765\u6e90\uff1a<br \/>\nhttps:\/\/www.ctvnews.ca\/canada\/wildfires\/article\/natural-disasters-costing-canadians-more-for-home-insurance\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u968f\u7740\u52a0\u62ff\u5927\u81ea\u7136\u707e\u5bb3\u65e5\u76ca\u9891\u7e41\uff0c\u623f\u5c4b\u4fdd\u9669\u8d39\u7528\u6301\u7eed\u4e0a\u6da8\uff0c\u5c24\u5176\u662f\u5728\u91ce\u706b\u548c\u6d2a\u6c34\u9ad8\u98ce\u9669\u5730\u533a\uff0c\u5c45\u6c11\u4e0d\u4ec5\u9762\u4e34\u8d8a\u6765\u8d8a\u6602\u8d35\u7684\u4fdd\u9669\u4fdd\u8d39\uff0c\u90e8\u5206\u623f\u5c4b\u751a\u81f3\u96be\u4ee5\u83b7\u5f97\u4fdd\u9669\u6216\u8d37\u6b3e\u3002 \u52a0\u62ff\u5927\u4fdd\u9669\u5c40\uff08Insurance Bureau of Canada\uff09\u8868\u793a\uff0c\u8fd1\u5e74\u6765\uff0c\u52a0\u62ff\u5927\u906d\u9047\u6781\u7aef\u5929\u6c14\u707e\u5bb3\u7684\u9891\u7387\u548c\u4e25\u91cd\u7a0b\u5ea6\u4e0d\u65ad\u4e0a\u5347\uff0c&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/blog.jackjia.com\/?p=94101\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":94102,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94101"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=94101"}],"version-history":[{"count":2,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94101\/revisions"}],"predecessor-version":[{"id":94105,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94101\/revisions\/94105"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/media\/94102"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=94101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=94101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=94101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}