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Hazard (H) is addressed by\ncivil flood defences and nature-based hazard reduction (levees/dikes per the\nDutch Delta model, retention basins, wetland and floodplain restoration,\nupstream catchment management). Vulnerability (V) is addressed by\nflood-resistant building codes and materials, dry/wet floodproofing\nretrofits, property-level water sensors and automatic shutoffs, and AI early\nwarning systems (Google FloodHub, Previsico, FloodMapp, ECMWF AIFS) that\nenable pre-event protective action. Recovery (R) is addressed by drone and\nAI-based damage assessment, AI claims triage, modular rapid-repair\nconstruction, and post-event temporary-housing logistics. The driver to\nclaim transmission (increased precipitation extremes and runoff under\nclimate change → property water damage) is physical, not contractual or\nlitigation-driven, so condition (3) of the fit-check holds.\n"}