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Green infrastructure for an eco-friendly world

Green infrastructure is an eco friendly medium of storing and managing the storm water by the process that was used earlier by nature. These processes has been used and maintained by the nature ever since it was created.

Why green infrastructure?

With the development of structures and buildings in a habitable area, the systems occurring naturally to handle storm water have been greatly disturbed. Roads were built, buildings came up and the soil was compacted by equipments used in construction. A result of these activities was that the amount and extent of soil that could allow storm water to drain was greatly reduced. Only about 2-3 percent of rain that fell on a particular area flowed in the surface area.

Since less amount of the rain water is absorbed by the soil many other problems has raised. The most important of all is the erosion which provides threat to the stream banks and the foundations of the buildings. However these kinds of the problems are saved by process of costly shoring. Problems like accumulation of accumulation of water on the electricity workings of the buildings and flooding of the roads have also come up.

To counter act these problems, green infrastructure concept has been put in practice. Green infrastructure was developed in mid nineties in USA to tackle the increasingly severe issues concerning storm water. Storm water also called non-point source water is the biggest source of water pollution in USA.

50 years back the rain water was collected and taken to faraway place through a network of pipes. In modern times Green Infrastructure has replaced this obsolete method.

Elements of Green infrastructure

To manage storm water, green infrastructure use vegetation. In addition, the storm water source itself is examined. The two green infrastructure elements are —downspout extensions and Rain gardens and bioswales.

The greatest source of storm water is rain falling on rooftops. Many rooftops presently have a storm water collection system with downspouts and gutters. However, in some cases, the downspouts connect to pipes that surface on a downgrade and storm water drains into adjacent properties. In some other cases, the collected storm water drains onto road ways and driveways.

But with the downspout system the collected rainwater is drained onto the nearest rain garden. It is the simplest and the cost effective way to deal with rainwater.

Rain-gardens and bioswales are lower in elevation than areas surrounding them. The soil is so engineered that it allows rain water to percolate through several soil and gravel layers. The rain-garden or bioswales captures rain water and even filters it reducing storm water runoff and pollution.

The rain gardens and bioswales are placed close to the structure that produces storm water. Native plants are used for vegetation. The vegetation in the rain garden retains the soil’s permeability. They are designed in such a way to capture 1 inch rainfall completely.

A lot of positive thinking, with productive planning and tremendous effort the idea of the green infrastructure projects have come into being. It has also been proved to be comparatively less expensive and simpler than the other methods of the environment conservation.

Find out more about Environmental Consulting Insurance here and how Beacon Hill Associates can help you.

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Insurance companies on climate change: ‘What climate change?’

Insurance companies on climate change: ‘What climate change?’

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Too many insurance companies aren’t connecting the dots.

Insurance companies have been paying out big bucks of late, funding cleanup in the wake of wildfires, hurricanes, and other extreme weather events likely made worse by global warming. Superstorm Sandy caused an estimated $50 billion in economic losses, and it was just one of 11 American catastrophes in 2012 that wrought more than $1 billion worth of destruction.

So one would logically think that insurance companies would be among the most clued-in businesses when it comes to understanding and bracing for humanity’s horrendous effects on the weather.

Not so, according to the results of an industry-wide survey of 184 insurance companies that operate in California, New York, and Washington state.

From a report published by CERES [PDF], the nonprofit that administered the survey:

In general, almost all companies responding to the survey show significant weakness in their preparedness to address the effects climate change may have on their business. However, a small subset of industry leaders are evolving their business strategies to remain competitive as the impacts of climate change unfold. Given the strong scientific consensus on climate change, the rest of the industry would be well advised to follow the lead of these innovative companies.

Two of the biggest laggards in acknowledging climate reality: Allstate and Travelers, which “express strong ambivalence about the state of the science — specifically, the existence of climate change and what is causing it,” CERES says.

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Insurance companies on climate change: ‘What climate change?’

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Crop insurance claims likely to hit $16 billion in wake of 2012 drought

Crop insurance claims likely to hit $16 billion in wake of 2012 drought

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Drought eradicates the green.

The 2012 megadrought was the worst since the Dust Bowl. Initial measurements suggest that it was responsible for a significant drop in the country’s economic growth in the middle of the year as corn prices spiked and farmers struggled to make ends meet.

Which will be easier to accomplish given the government’s likely $16 billion crop insurance payout. From The New York Times:

The Agriculture Department, which runs the program, said that the total losses from crops harvested last year would not be known for weeks, but that costs from the program were estimated to be $15.8 billion, up from $9.4 billion in 2011.

Separately, a record $11.4 billion in indemnities for crop losses has been paid out to farmers, and officials say that number could balloon to as much as $20 billion. In 2011, a then-record $10.8 billion was paid out in indemnities.

We’ve written about this insurance program before, of course, particularly during last year’s aborted attempt to pass a new farm bill. In brief, “while ‘crop insurance’ certainly sounds innocent enough, the term is being stretched beyond its traditional meaning. Like the name implies, some crop insurance does cover disaster relief, but the latest form also ‘insures’ (mostly large) farms against revenue loss.”

The economics of the program get trickier still.

Today, the government pays about 62 percent of the insurance premiums. The policies are sold by 15 private insurance companies that receive about $1.3 billion annually from the government. The government also backs the companies against losses.

Government documents show that taxpayers have paid nearly $7 billion so far to subsidize premiums for 2012. The documents also show that taxpayers could pay another $7 billion to underwrite losses by the insurance companies and other costs.

“Essentially, taxpayers are hit twice by the cost of the program,” said Bruce A. Babcock, an agriculture economist at Iowa State University.

What’s most alarming is that the need to bolster agriculture — and there is a need to provide support to agriculture — will only become more urgent. The government’s recent draft report on the effects of climate change suggests that the country’s agricultural regions will see more extremes, including more frequent droughts. Even without that inevitability, the government expects crop insurance to cost $94 billion over the next 10 years. If last year’s drought continues, or another equally severe drought happens, those projections will prove to be far too low.

There’s no easy answer to the problem. While we should certainly stem abuse of the insurance program, preventing widespread bankruptcies by food-growers is essential. That job will likely only become harder — and more expensive.

Source

Record Taxpayer Cost Is Seen for Crop Insurance, New York Times

Philip Bump writes about the news for Gristmill. He also uses Twitter a whole lot.

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Crop insurance claims likely to hit $16 billion in wake of 2012 drought

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