LEGISLATION, INSURANCE AND ENVIRONMENTAL DISASTERS IN RIO GRANDE DO SUL: A CRITICAL ANALYSIS OF THE PERFORMANCE OF INSURANCE COMPANIES IN LIGHT OF DECREE-LAW NO. 73/1966, THE CIVIL CODE AND THE FEDERAL CONSTITUTION

Abstract

This study analyzes the performance of insurance companies in the face of environmental disasters in Rio Grande do Sul, with emphasis on the 2024 floods. Using a literature review approach, insurance policies, the response of insurance companies, and coordination with the government and civil society were investigated. The results indicate that, although insurance companies responded quickly, efficiency varied significantly among companies, depending on the level of investment in technology and prior training. The research highlights the need for an integrated approach to disaster management, including improvements in protection infrastructure, orderly urbanization, and climate mitigation and adaptation strategies. The civil liability of public authorities was also addressed, emphasizing the importance of planning and proactive actions to prevent and mitigate the impacts of disasters. The conclusions offer a basis for the development of public policies and practical recommendations aimed at improving the effectiveness of responses to environmental disasters and strengthening the resilience of affected communities.