Insurance markets and practices are relevant in several ways to the process of building valuation. Emerging "green insurance" products and services reward buildings for certain green attributes and practices, thus effecting operating costs. Insurers are also keenly focused on natural hazard risks, which are reflected in premium levels. In some cases, insurance may not even be available, an important factor for appraisers to be aware of. In other cases, insurers are rewarding disaster-resilient practices.
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