The correct answer to this open question is the following.
Although there are no options attached, we can say the following.
The property of loss that is caused by natural disasters are homes, private property, and public infrastructure such as roads, bridges, powerplants, dams, airports, among others.
That is why in the insurance industry, companies offer many kinds of insurance plans in order to have all the incidents covered, or at least, mitigate their impact. In the specific case of natural disasters, the industry considers it the following: volcanic eruptions, earthquakes, wildfires, hurricanes, droughts, flooding, and winter storms.
Answer:
Individuals decide for themselves in a: Market capitalist economy.
The answer would be : D climates are more common in the southern hemisphere than the northern hemisphere
the most defining characteristics of D climates are, that its total precipitation is not very high, Large land of masses and its seasonal temperatures are widely varied, which is more common in the northern hemisphere