Australian households are increasingly vulnerable to natural hazard-related disasters. To manage disaster risk, government commissioned inquiries have called for greater investment in mitigation. This article critically examines the call for a shift in funding priority towards pre-disaster mitigation measures, in the context of growing concerns around the ability of households to access and afford insurance. It examines mitigation measures in the context of three prominent Australian disasters: the Black Saturday bushfires (Victoria, 2009), the Queensland floods (2010-2011), and Cyclone Yasi (Queensland, 2011). We argue that as a mode of disaster security, mitigation operates as a complex assemblage of logics and practices of protection, preparedness, and resilience, which problematizes simplistic protection/resilience binaries. On the one hand, mitigation serves as a mode of protection, which underscores the dominant maladaptive rationality of insurance. It promises a collective solution to uninsurability that is limited by government fiscal constraints and growing employment of risk-reflective insurance pricing. On the other hand, there is evidence of an emergent rationality of household insurance as a path to resilience and preparedness-for example, in the development of insurance systems that price household retrofitting technologies and in the development of policyholder education campaigns. This resilience rationality holds the promise of securing individuals previously excluded from insurance. However, for householders lacking the necessary physical, cognitive, and financial capacities to make themselves and their properties resilient, the transition to a pre-disaster mitigation mode of security will likely do little to alleviate disadvantage and marginalization.
Climates are changing, yet the everyday implications for societies and cultures are unclear. Until recently, weather and climate (change) have been largely represented quantitatively and discussed at broad spatial and social scales. Qualitative weather research is helping to reconnect weather with its diverse local meanings and to explain how climate change may alter future representational and behavioral understands of weather (herein called “weather-relations”) in the hope of furthering climate change action. Responding to the need for greater research into weather-relations, particularly in industrialized urban areas, this paper examines the role of weather in everyday life in tropical Darwin, Australia. It identifies a willingness among participants to stay “weather-connected” despite challenging weather conditions and access to air conditioning. This willingness is driven by desires to remain acclimatized in order to enhance positive weather sensations, retain outdoor lifestyles, and reduce financial and environmental costs associated with resource-intensive technologies. In delving into weather adjustment strategies that facilitate weather-connectedness along with possible climate change implications, greater potential for weather-relations research is recognized. By drawing attention to weather experiences and understandings alongside resource efficient weather responses, this paper uncovered a substantial capacity among participants to respond sustainably to environmental change. These capacities are the outcome of adjustment practices relating to food, clothing, laundering, physical and outdoor activities, and domestic comfort and a previously unrecognized coping strategy—expressions of tolerance. Findings suggest that by recognizing and fostering existing adjustment capabilities of societies and cultures and the local values that afford their reproduction, communities would be better placed to adapt to future climate change.
With projected climate change, it is increasingly important to understand the current role of weather in everyday life and how it may change in the future. This paper evaluates two qualitative research approaches for their ability to generate insight into weather‐related experiences and everyday practices. As these mundane day‐to‐day weather interactions often escape memory over time, the paper calls into question the ability of conventional methodological approaches that rely on recall to accurately excavate these events. The research examined serial one‐on‐one, semi‐structured interviews with an adapted short‐term focus, and daily diary‐photographs. Each approach was applied to one of two Australian cities with sharply contrasting climates – Melbourne and Darwin. Both approaches were able to generate insight into weather‐related experiences and practices. However, both presented problems. In interviews, these problems related to retrospective accounts beyond ‘yesterday’, where physical experience recollections became limited. For diary‐photographs, inspiring participants to continually complete and submit contributions proved problematic. I argue that interviews are better for documenting routine practice and generalised experiences, while diary‐photographs are better at showing fine‐grained detail of physical experiences. Where both aspects are sought, as in this study, a combination is possible. However, using dual methods increases the risk of participant fatigue.
Home and contents insurance is framed as key to Australia's national strategy for disaster resilience. Despite the perceived importance of financial indemnity, ambiguity characterises the ways in which it facilitates both short‐ and long‐term everyday household recovery when disaster strikes. Addressing such ambiguity, this article explores how insurance impacts upon households' capacities to rebuild and recover after disastrous bushfire. In‐depth interviews conducted with residents in the Blue Mountains of New South Wales four years after they were affected by the October 2013 bushfires show that insurance was fundamental to recovery. Swift claims handling and payouts allowed participants to access rental accommodation, material necessities, and sufficient finances to repair, rebuild, and refurnish their houses—essentials in restoring everyday routines and a sense of normalcy. Yet, many people were underinsured and used alternative strategies to stretch “adequate” insurance coverage, which had practical and emotional implications. Importantly, while insurance reduced post‐disaster stress and trauma, the length and depth of recovery were more closely determined by the impacts of personal and situational circumstances than by insurance. On that basis, analysis points to the conclusion that while insurance is a crucial tool for disaster resilience, greater levels of psychosocial support are needed to improve households' short‐ and longer‐term recovery.
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