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You searched for +publisher:"Princeton University" +contributor:("Scheppele, Kim L"). Showing records 1 – 2 of 2 total matches.

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Princeton University

1. Hassani, Sara Nephew. Magnifying Disaster: The Causes and Consequences of Home Underinsurance .

Degree: PhD, 2013, Princeton University

Existing surveys demonstrate that in the United States, most homeowners believe that their home insurance coverage will cover the complete costs to rebuild their home in the event of a total loss. Yet, most dwellings are insured for an amount that is less than what would be required to rebuild  – a condition called "underinsurance." By conducting historical research on the United States home insurance market, I show that insurers have recognized underinsurance as a problem afflicting the home insurance market in every decade since the Depression. Insurers have repeatedly attempted, and failed, to resolve inadequate insurance-to-value  – through salesmanship, innovations in valuation methodologies, and automation. This result complicates theories of inadequate insurance, drawn from insurance economics, that explain inadequate insurance as primarily a problem of demand. A longstanding supply-side problem of accurate property valuation has contributed substantially to widespread, persistent underinsurance. Using fieldwork conducted after the 2003 and 2007 San Diego wildfires, I show how pre-loss policyholder experiences supported their expectations that their home insurance would be sufficient: analogical reasoning from small losses to large losses; interactions with insurance agents; and legal consciousness of the insurance contract. This case demonstrates how the presence of information asymmetry in a market can accompany "false certainty" of transaction outcomes  – not just perceived uncertainty of transaction outcomes  – among low-information parties to transaction. Market features that are often credited with reducing uncertainty need not always equip market actors with better knowledge; these conditions can elide potentially variable transaction outcomes, consequently contributing to widespread market misconceptions. In contrast with most existing disaster recovery studies, I find that even households with reputable insurers struggle with insurance after disaster. Policyholder efforts to overcome inadequate insurance did not only consist of taking out loans or using savings; rather, individuals actively attempted to minimize the size of their home insurance gaps through actions intended to increase insurance payouts or decrease rebuilding costs. For insured households, gap-minimizing strategies  – which I identify as negotiating, barn raising, and downsizing  – constituted much of the disaster recovery process. Advisors/Committee Members: Scheppele, Kim L (advisor).

Subjects/Keywords: disaster; fire; home; information asymmetry; insurance; recovery

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6th Edition):

Hassani, S. N. (2013). Magnifying Disaster: The Causes and Consequences of Home Underinsurance . (Doctoral Dissertation). Princeton University. Retrieved from http://arks.princeton.edu/ark:/88435/dsp01z316q166p

Chicago Manual of Style (16th Edition):

Hassani, Sara Nephew. “Magnifying Disaster: The Causes and Consequences of Home Underinsurance .” 2013. Doctoral Dissertation, Princeton University. Accessed September 22, 2019. http://arks.princeton.edu/ark:/88435/dsp01z316q166p.

MLA Handbook (7th Edition):

Hassani, Sara Nephew. “Magnifying Disaster: The Causes and Consequences of Home Underinsurance .” 2013. Web. 22 Sep 2019.

Vancouver:

Hassani SN. Magnifying Disaster: The Causes and Consequences of Home Underinsurance . [Internet] [Doctoral dissertation]. Princeton University; 2013. [cited 2019 Sep 22]. Available from: http://arks.princeton.edu/ark:/88435/dsp01z316q166p.

Council of Science Editors:

Hassani SN. Magnifying Disaster: The Causes and Consequences of Home Underinsurance . [Doctoral Dissertation]. Princeton University; 2013. Available from: http://arks.princeton.edu/ark:/88435/dsp01z316q166p


Princeton University

2. Sybblis, Martin. OPEN FOR BUSINESS: A SOCIO-LEGAL ANALYSIS OF ECONOMIC DEVELOPMENT IN THE CARIBBEAN .

Degree: PhD, 2019, Princeton University

This dissertation offers a novel way to understand how legal change occurs in the corporate and commercial context. It suggests that legal professionals, particularly commercial lawyers, are capable of enhancing the state’s capacity for law reform in instances where legal rules are seen as a pathway to economic prosperity. They and other community leaders (typically political and business elites), however, are influenced in their reform efforts by the community economic identities (“CEIs”) they have developed with respect to chosen commercial activities within their jurisdiction. CEIs affect how those who make the crucial development decisions think about the commercial activities and industries in their community (city, state, country or region), and these identities in turn shape what seem like logical choices for that community. This project makes two contributions to the sociology of law and economic development. First, it suggests that the scholarly understanding of “state capacity” should be expanded to include the availability and role of private sector commercial lawyers who can help a state promote and achieve commercial law reforms. Second, the dissertation introduces the concept of CEI into the academic discourse on the relationship between law and economic development. It explores the role commercial lawyers and CEI have played in commercial law reform in the Commonwealth Caribbean post-colonies of Barbados and Jamaica. The institutional similarities between the two countries and the divergent paths they have taken in their approach to commercial law reform make them attractive sites for better understanding the determinants of legal change. Advisors/Committee Members: Scheppele, Kim L (advisor).

Subjects/Keywords: Commercial Law; Commonwealth Caribbean; Community Economic Identity; Economic Development; Legal Reform

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6th Edition):

Sybblis, M. (2019). OPEN FOR BUSINESS: A SOCIO-LEGAL ANALYSIS OF ECONOMIC DEVELOPMENT IN THE CARIBBEAN . (Doctoral Dissertation). Princeton University. Retrieved from http://arks.princeton.edu/ark:/88435/dsp01mp48sg56r

Chicago Manual of Style (16th Edition):

Sybblis, Martin. “OPEN FOR BUSINESS: A SOCIO-LEGAL ANALYSIS OF ECONOMIC DEVELOPMENT IN THE CARIBBEAN .” 2019. Doctoral Dissertation, Princeton University. Accessed September 22, 2019. http://arks.princeton.edu/ark:/88435/dsp01mp48sg56r.

MLA Handbook (7th Edition):

Sybblis, Martin. “OPEN FOR BUSINESS: A SOCIO-LEGAL ANALYSIS OF ECONOMIC DEVELOPMENT IN THE CARIBBEAN .” 2019. Web. 22 Sep 2019.

Vancouver:

Sybblis M. OPEN FOR BUSINESS: A SOCIO-LEGAL ANALYSIS OF ECONOMIC DEVELOPMENT IN THE CARIBBEAN . [Internet] [Doctoral dissertation]. Princeton University; 2019. [cited 2019 Sep 22]. Available from: http://arks.princeton.edu/ark:/88435/dsp01mp48sg56r.

Council of Science Editors:

Sybblis M. OPEN FOR BUSINESS: A SOCIO-LEGAL ANALYSIS OF ECONOMIC DEVELOPMENT IN THE CARIBBEAN . [Doctoral Dissertation]. Princeton University; 2019. Available from: http://arks.princeton.edu/ark:/88435/dsp01mp48sg56r

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