California E&S Insurance

Difinately, people who harden and rebuild their homes in a hardened fashion should get priority in compensation and get insurance discounts for being responsible home owners, but right now CA law makes it illegal to "discriminate" based on actual risk, no one gets a discount for hardening their homes and everyone bears the burden of subsudizing the people who choose to build tinderboxes because a hardened home may be 10% more expensive and requires a human to maintain clear areas of landscaping near the house. My dad is lives in a firezone on a hill. We follow all CA fire recommendations we can that can be easily retrofit into his house. Right now he is the only house that maintains a safe Zone 1 (space adjacent to the house) perminiter around his house on his block. Despite talking to his neighbors about fire risk, despite the big fires last year, no one else have addressed their Zone 1 fire prevention. While my Dad's improvements reduce his own risk, if his directly adjacent neighbor catches fire because they failed to protect their Zone 1, now my dad's house has a much higher chance of burning down, despite the measures we have taken. Homeowners should be allowed to be charged based on their actual risk profile, with considerations of how the house is built/rebuilt and active measures the homeowner takes to reduce their personal risk. As long as risk is disconnected from insurance rates, where everyone subsudizes unsafe rebuilds, this will keep happening and CA's fire insurance with be just as broken as Florida's storm insurance market. Where we keep rebuilding in unsafe places, in unsafe manners, then are surprised when we find the entire system is untenable and broken but still refuse to fix it.

{
  "score": 0,
  "title": "",
  "subreddit": "LosAngeles",
  "num_comments": 0,
  "scrape_method": "apify_targeted"
}