Model and algorithm for mitigation the consequences of fires through an insurance system
Introduction. Early notification of a fire by means of fire automation can save human lives and significantly reduce material damage in case of fires. One of the ways to provide housing stock fund with fire automation is insurance. The relevance of the research is to develop a model for reducing fire risks in housing through the insurance system in the Russian Federation. Goals and objectives. The purpose of the article is to create a model for managing fire risks in housing through the domestic insurance system. This goal allows us to solve the problem of reducing fire risks in the housing stock. Methods. They include methods of system analysis, mathematical statistics, technical and economic analysis, and mathematical modeling. The research was based on domestic and foreign literature, legal and regulatory sources, statistical materials and results of research works on the subject of the study. Results and discussion. Solutions to the model of fire risk management in housing through the domestic insurance system are found. Conclusion. The results of solving the problem of reducing the risk of death in fires in the residential sector through the insurance system are presented. The decision is based on the economic motivation of both insurers and policyholders. An algorithm and model for reducing fire risks through the insurance system are proposed that allow achieving voluntary, economically motivated compliance with fire safety requirements. Key words: fires, loss of life in fires, fire risks, fire automation, fire insurance.