一、震灾理赔特点首先是估损难。一个地震造成的灾害损失会达到什么样程度,在地震前是一个未知数。而在地震发生之后也需要10-15天的时间,才能作出较全面的灾害评定。地震震级与裂度大小;发生在不同季节和时令、不同的区域和环境条件,如发生在城市和农村;对一次地震的预报准确等等的不同,决定了对一次地震灾害损失估计的难度。而对保险财产损失的评估,还因承保面的不同等因素难度加大。其次是破坏面广。地震是一种瞬间劫难,倾刻间可使一座城市(村庄)化为一片瓦砾。单独一次数十秒种地震即可造成数十 First, the characteristics of earthquake claims first is to assess damage. What degree of disaster loss will be caused by an earthquake? Before the earthquake, it was an unknown quantity. It takes 10-15 days after the earthquake to make a more comprehensive disaster assessment. The magnitudes and magnitude of earthquakes; the differences in seasonal and seasonal conditions, different regional and environmental conditions such as in urban and rural areas, the accuracy of an earthquake prediction, etc., determine the difficulty of estimating an earthquake disaster loss. The assessment of the loss of insurance property, but also due to the different factors such as coverage more difficult. Second is the destruction of a wide range. Earthquakes are an instant catastrophe, during which a city (village) can be turned into rubble. A single dozens of seconds of earthquakes can cause dozens