@article{guedes_raad_raad_2019,  title={Welfare Consequences of Persistent Climate Prediction Errors on Insurance Markets against Natural Hazards},  volume={49},  ISSN={0101-4161},  url={https://doi.org/10.1590/0101-41614922grl},  DOI={10.1590/0101-41614922grl},  number={2},  journal={Estudos Econômicos (São Paulo)},  publisher={Departamento de Economia; Faculdade de Economia, Administração, Contabilidade e Atuária da Universidade de São Paulo (FEA-USP)},  author={Guedes, Gilvan and Raad, Rodrigo and Raad, Lucélia},  year={2019},  month={Apr},  pages={235–264} }