> This post uses a [gift link](https://www.sfchronicle.com/california-wildfires/article/insurance-fair-plan-20040933.php?utm_source=marketing&utm_medium=copy-url-link&utm_campaign=article-share&hash=aHR0cHM6Ly93d3cuc2ZjaHJvbmljbGUuY29tL2NhbGlmb3JuaWEtd2lsZGZpcmVzL2FydGljbGUvaW5zdXJhbmNlLWZhaXItcGxhbi0yMDA0MDkzMy5waHA%3D&time=MTczOTMzNTMxMjY4OA%3D%3D&rid=ZjZmMmQ3YjgtNjRhMy00ZmM1LWFlMmItZTNmNzM5MTExODA5&sharecount=MQ%3D%3D) so people shouldn't be hitting the paywall.