California E&S Insurance

Insurance companies each have their own underwriting guidelines in regards to appetite and risk threshold they are willing to insure. They will often use a 3rd party vendor or inhouse software/AI. Risk meter by Core logic is a common vendor carriers use for wildfire risk scores. Also, if often times when the agent obtains a quote from a company for homeowners they will see what the protection class code or wild fire score for that property address.

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