I sent this message to the Insurance Commissioner, the governor, our representatives in the state Senate and Assembly in hopes that one of them will take action to help homeowners in California.
“The cost of fire/home insurance is out of control due to the risk of wildfires.”
My suggestion is to treat wildfire insurance the same way as earthquake insurance and allow insurance companies to sell fire/home insurance that does not cover wildfires and instead have a separate wildfire insurance available for those that live in an area with wildfire risk, much like the ability to purchase earthquake insurance as a separate coverage option.
— Scott Graham, Santa Cruz
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