Category Archives: Wildfires

Safeguard your business from wildfires: Allianz and Triple-I team up on mitigation

With business owners facing the ‘new normal’ of a seven-month wildfire season, compounded by rising temperatures, public safety power shutoffs, COVID-19 and civil unrest – wildfire preparation will be more critical than ever this year.

As outlined in a new Allianz report “Future Fires: Weathering the Fire Storm”, 2019 was a catastrophic year with 46,786 wildfires burning more than 4.6 million acres, leading to the evacuation of over 200,000 people, sustained blackouts, and the declaration of a state of emergency in California. And this year wildfires are already blazing across drought-ridden Western states while the risk of coronavirus has reduced the number of firefighters available in California and is likely to remain well into the fall.  

To meet the myriad of challenges, Allianz Global Corporate & Specialty (AGCS) has teamed up with the Insurance Information Institute (Triple-I) to provide businesses with some of the most stringent risk mitigation practices for safeguarding their establishments.

According to Allianz and the Triple-I, business owners should take the following steps to safeguard employees and property from wildfire:

1. Create defensible space around your building or structures

2. Create a Vegetation Maintenance Plan (VMP) to reduce sources of ignition

3. Use noncombustible materials for building signage, avoiding wood, plastic, and vinyl

4. Select exterior wall cladding made of noncombustible siding materials such as concrete and brick

5. Select dual-paned windows with tempered glass, kept closed when wildfire threatens

6. Use noncombustible material when replacing roofs. Homes with wood or shingle roofs are at high risk of being destroyed during a wildfire

7. Inspect vents and clear debris from roofs. Roofs and gutters are particularly vulnerable surfaces, as embers can lodge here and start a fire. Regularly clearing your roof and gutters of debris, installing gutter guards or screens, and blocking off any points of entry on your roof will all help safeguard your home 

Finally, don’t forget to update your inventory, business continuity, evacuation, and safety plans.

Business owners should further discuss with their insurance professionals the risks their business’s face as it pertains to wildfire and the need for:

  • Property Insurance (including the differences between replacement vs. cash value)
  • Business Interruption (also known as business income) and extra expense insurance 
  • Mitigation solutions and fire protection services available
  • Precautionary measures that can be taken today to prevent loss tomorrow

“Preparedness is as vital to an organization as business resilience planning,” said Janet Ruiz, Director of Strategic Communications for the Insurance Information Institute. “We recommend business owners review their insurance coverage to ensure they can adequately rebuild their properties as well as protect their business against major disruptions such as wildfire.” 

“Future Fires” highlights how a number of innovative technologies are stepping up to meet the challenge of the prevalence of wildfires and the prolonged duration of the wildfire season. One application of fire protection that is currently in use is an environmentally safe biodegradable fire-fighting foam used for pretreatment and suppression around property and building perimeters. When fire is imminent, foam is applied from private fire trucks appointed with state-of-the-art equipment.

The report also cites a Silicon Valley artificial intelligence company that has developed a system that analyzes satellite images every 10 minutes to identify where new wildfires may have broken out. This technology is trained to spot the likely signs of wildfires, and then alert firefighting agencies, who can verify if indeed a fire has broken out. The company hopes to have the system in place by next year’s wildfire season.

“Allianz is committed to helping businesses mitigate extreme catastrophes like wildfires with the most advanced techniques and solutions available,” says Scott H. Steinmetz, P.E., Regional Head of MidCorp at Allianz Risk Consulting. “The 2020 fire season presents unique challenges and complexities that will inherently put our skills to their utmost test. I feel confident, however, that businesses can greatly minimize their losses with advance planning and close communication with their insurance carrier before, and in the unfortunate event that it occurs, during and after a wildfire.”

Wildfires and Insurance: Learn How to Prepare Financially

Getty Images

Another wildfire season has begun. Almost 4.5 million U.S. homes are at high or extreme risk of wildfire, with more than 2 million in California alone.

Residents of wildfire prone areas and just about anyone who is seriously concerned about the dangers posed by wildfire could benefit from the National Fire Protection Association‘s webinars on how to prepare to defend against the destructive threat of wildfire.

A recording of the May 6 webinar on financial preparedness can be viewed here.

The presenters were Nicole Mahrt-Ganley, American Property Casualty Insurance Association, and Janet Ruiz, Insurance Information Institute (Triple-I). They offered guidance on how to read a homeowner’s insurance policy, understand policy deductibles, and the factors to consider when determining how much insurance coverage to purchase.

Ruiz and Mahrt-Ganley discussed how insurers assess a home’s risk to wildfires through sophisticated technology and on-site inspections as well as the ways an insurer calculates homeowner’s insurance premiums based on the home’s loss history, location, age, size, and its construction type and quality.

They also provided tips on how to develop an inventory of a household’s personal possessions, steps to take if a homeowner’s insurance policy is non-renewed, and how to navigate the insurance claims process.

CORONAVIRUS WRAP-UP: PROPERTY AND CASUALTY (4/17/2020)

Auto Insurance
Stay-at-home Pandemic Orders Reduce Auto Claims Almost by Half
As Coronavirus Empties Streets, Speeders Hit the Gas
Business Interruption
UK Watchdog Orders Insurers to Pay Small Business Claims Quickly
Cannabis Insurance
Pandemic Could Shrink Cannabis Insurers’ Premiums, Market
Cyber Insurance
Preventing Losses Due to Growing Cyber Crime During Coronavirus Crisis
As Attacks Rise, Paladin Offers Cybersecurity Platform Free to Insurance Agencies
Disaster Preparedness
‘Uncharted Territory’ as Wildfire Fighting Adapts to Pandemic
Insurance-Linked Securities
Artemis Live: Interview with Tom Johansmeyer, Head of PCS
Litigation
Nashville Bar Sues Insurer Over COVID-19 Loss Claim. Experts Say It Won’t Be the Last
Businesses Warn Fear of Liability Lawsuits Could Stall Rebooting of Economy
P/C Industry Impact
Suddenly There is Big Demand for Pandemic Cover, Says Underwriter
Chubb CEO: Forcing Insurers to Pay Pandemic Loss Claims is ‘Plainly Unconstitutional’
Allianz CEO: Pandemic Hit “Like a Metororite”
From Hacker Attacks to Shareholder Lawsuits, Insurance Industry Braces for COVID-19 Fallout
Public Health and Safety
What FDA Says About Food Safety Amid COVID-19
Travel Insurance
Travelers Consider Their Risk Tolerance
HOLIDAY HELL How to Get a Refund on Your Holiday if it’s Cancelled and How Long Should it Take to Get Cash Back
Workers Compensation
Workers Compensation in Wake of COVID-19

From the Triple-I Blog:
INSURERS RESPOND TO COVID-19 (4/17/2020)
TRIPLE-I BRIEFING: SURPLUS IS KEY TO INSURERS KEEPING POLICYHOLDER PROMISES
PUTTING CAR INSURANCE PRICES INTO PERSPECTIVE

Coronavirus Wrap-up: Property/Casualty (4/7/2020)

Below are abstracts and links to recent articles related to coronavirus from a property and casualty insurance perspective.

Auto:
Less driving, fewer accidents: Car insurers give millions in coronavirus refunds

One of the largest car-insurance companies in the country and a smaller Midwestern auto insurer are refunding hundreds of millions of dollars to their policyholders, citing a dramatic drop in accident claims from Americans hunkered down in their homes, The Wall Street Journal reports.

Allstate providing more than $600M to auto insurance customers amid pandemic

Allstate announced that it’s providing a Shelter-in-Place Payback to help its personal auto insurance customers during the pandemic.

Business Interruption:

This insurance would have helped in coronavirus crisis; nobody bought it

PathogenRX, a parametric insurance policy developed by broker Marsh, Munich Re, and technology firm Metabiota, is designed to provide business interruption insurance in the event of a pandemic, Insurance Journal reports.

Wimbledon nets £100m coronavirus cancellation payout

When the coronavirus outbreak forced the cancellation of Wimbledon it looked like game, set, and match against the All England Club. It turns out, The Times reports, that the club has insurance that covers infectious diseases and is putting together a claim potentially in excess of £100 million.

Insurers warn on forced payouts for uncovered coronavirus losses

World insurers told governments on Monday that making them pay out on losses suffered due to the coronavirus that were not covered by policies risked destabilizing the insurance industry, Reuters reports.

Considering a business interruption insurance claim due to COVID-19? Check your policy first

Insurance brokers say viruses and pandemics are specific exclusions in many such policies, which are often included with standard property and casualty coverage. But whether COVID-19 is the basis for a business interruption claim remains an open question as government leaders and the plaintiffs’ bar wrestle over the issue.

How social inflation may affect coronavirus business interruption losses

COVID-19 could produce a big increase in social inflation, according to A.M. Best. The reason: expectations that businesses will sue their insurers in an attempt to access their business interruption coverage for losses relating to the coronavirus pandemic.

After SARS, insurers changed policies covering businesses

SARS infected 8,000 people and led to millions of dollars in business-interruption insurance claims – including a $16 million payout to a single hotel chain. As a result, The Washington Post reports, many insurers added exclusions to standard commercial policies for losses caused by viruses or bacteria.

Flood:

FEMA extends flood renewal period

The Federal Emergency Management Agency (FEMA) announced that it will extend the grace period to renew flood insurance policies to help policyholders affected by the coronavirus (COVID-19) pandemic. FEMA said it would push back the grace period from 30 days to 120 days.

Property:

Florida’s property insurer of last resort, announced it will suspend cancellations and non-renewals for the next 45 days.

Wildfire:

Firefighters say coronavirus will obstruct emergency service, evacuations as wildfire season closes in

First responders are preparing for raging wildfires that they expect will consume thousands of acres and drive some residents from their homes in upcoming months. But this year, CNBC reports, preparations have stalled. The coronavirus pandemic has hit the country’s already strained emergency services, raising concerns over inadequate disaster relief during peak fire season.

Workers Compensation:

Catch coronavirus on the job? In Florida, workers comp may not cover you

Florida’s Chief Financial Officer has ordered the Division of Risk Management to fulfill workers’ compensation claims for frontline employees who work for the state, the Tampa Bay Times reports. But the order doesn’t include similar workers in the private sector.

Zurich North America’s report on California wildfires: Investing in resilience is key

By Max Dorfman, Research Writer, Insurance Information Institute

A new report by Zurich North America, in collaboration with DuPont and the nonprofit Institute for Social and Environmental Transition (ISET-International), examines the ever-increasing risk of wildfires in California. Based on a study utilizing Zurich’s  Post-Event Review Capability methodology, “California fires: Building resilience from the ashes” draws from research and interviews with those affected by the fires in addition to civic and nonprofit representatives involved in risk reduction, response and recovery. The report seeks answers to why these fires have become so hazardous, and the ways in which communities can become more resilient.

The Deadliest Fires Yet

Fires are becoming more frequent in California, with an increasing number of people living closer to affected areas. The state suffered the largest and most destructive wildfires in state history in 2017 and 2018. The 2018 Camp Fire alone claimed the lives of 86 people and devastated the town of Paradise.

With this danger in the “wildland-urban interface”—essentially where hazardous wildlands meet homes and businesses—residents and business owners need to understand their risk. Education is essential to protect these areas. “Education is one of the first steps to help residents take necessary precautions against wildfires,” said Marcel Milani, Global Strategy Leader, Resilient Construction, DuPont. “Once business and homeowners understand what’s at risk, and that they are in control of building site retrofits that could save their property and their lives, they will invest in change.”

California is Taking Steps to Limit the Next Big Fire

California has developed Fire Hazard Severity Zone Maps to demonstrate the areas that have the greatest probability and intensity of potential wildfires. These maps help show which homes need to meet Chapter 7A of the California Building Code, which requires homes be built to certain fire-safe standards. Paradise which has experienced multiple fires since 2008, provides an important example of why this is so significant. Homes built in compliance with Chapter 7A codes tended to fare better than those built before 2008, when the codes were put in place. Of the 350 homes built to the Chapter 7A code in Paradise, 51 percent survived compared to 18 percent of the 12,100 homes built before 2008.

However, in some cases, the rising cost of homes and increasing population leads to communities that, according to the report, are “disproportionately of lower socioeconomic status, elderly or otherwise more vulnerable.” The costs of fire-resistant structures mean fire-resistant homes likely need to be built alongside retrofitted buildings. Indeed, the report found that perceived cost was one reason 7A codes were not adopted. And for vulnerable populations, there needs to be help. “Reducing the costs of retrofitting homes and buildings to fire-resistant standards would be a step in the right direction,” said Karen MacClune, Ph.D., Executive Director for ISET-International. “Providing funding or low-cost loans for the most vulnerable would support them to take action.”

Pushing the Conversation Forward

Despite California instituting new building codes and statewide fire hazard mapping, the study recommends that further practices need to be undertaken. Other key takeaways from the report include:

  • There needs to be more data on benefits and costs of mitigation that could in turn help set priorities
  • There continues to be development in high-risk areas, further amplifying the risk and danger of these fires
  • Many Californians impacted by fire are slow to take actions to reduce their risk
  • There needs to be more preparation for a fire’s aftermath
  • Mechanisms are required to ensure adequate insurance

All of this leads back to the core concept of resilience.

“With resilience, it’s about minimizing impact, avoiding impact or shortening impact. Our job as an insurance provider is to make someone whole after an event,” said Ben Harper, Head of Corporate Sustainability at Zurich North America. “Proper resiliency planning differs based on the customer and the region, among other variables. But it shares a common thread: action before an event.”

 

I.I.I. RADIO SATELLITE MEDIA TOUR: CALIFORNIA WILDFIRES

It’s getting harder for California homeowners in fire-prone areas to buy and keep insurance.

Homeowners insurance non-renewals were on many listeners’ minds during last week’s Insurance Information Institute (I.I.I.) radio satellite media tour (SMT) on the aftermath of the 2017-18 California wildfires.

With 20 media outlets throughout the state participating, I.I.I. CEO Sean Kevelighan, Head of Media and Public Affairs Michael Barry, and Director of Strategic Communications Janet Ruiz were on hand to answer questions from journalists.

As the frequency and cost of California wildfires increase, it’s getting harder for homeowners in fire-prone areas to buy and keep insurance. In August 2019, the California Department of Insurance released data showing insurers are non-renewing an increasing number of residents in areas with high wildfire risk.

The guidance the I.I.I. provided to Californians faced with this dilemma included:

  • If your insurer says they won’t renew your policy, ask them to reconsider. Your situation may involve factors they don’t know about.
  • Try another insurer. The insurance market is competitive, and insurers don’t profit from not writing business. Risk appetites and underwriting vary.
  • When all else fails, California’s Fair Access to Insurance Requirements (FAIR) plan is available as an insurer of last resort, after “a diligent effort to obtain coverage in the voluntary market has been made.”

The I.I.I.’s speakers also emphasized during the SMT that property owners can make their homes more resilient to wildfires by mitigating their own risks; how California’s insurers disbursed nearly $25 billion to their customers to help them recover financially from the 2017-18 wildfires; and how state regulators are working with insurers to price accurately the risks of covering homes in wildfire-prone communities.

Within hours of I.I.I.’s SMT, California Insurance Commissioner Ricardo Lara announced mandatory protections from insurance non-renewals extending into new areas of Northern and Southern California. The one-year moratorium covers residential policies in ZIP codes adjacent to recent wildfire disasters. The law cited by Commissioner Lara (Senate Bill 824) protects homeowners adjacent to a declared wildfire emergency who didn’t suffer a total loss — recognizing the disruption non-renewals cause in communities after wildfire disasters.

Below is a list of the participating radio stations and podcasters who taped the I.I.I. conversations for either broadcast or streaming in January 2020:

KCAA 1050-AM/KRLA 870-AM/KSPA 1510-AM Los Angeles/KDIA 1640-AM/KFAX 1100-AM Radio San Francisco-Oakland-San Jose “Bill Martinez Live”

Business Radio X-IND Podcast National, “The Mark Bishop Podcast”

KOCI 101.5-FM Los Angeles/Liberty Express Radio Network-AM/FM Radio Syndicated “School for Startups”

KSZL 1230-AM Radio Los Angeles “America Tonight with Kate Delaney”

KMET 1490-AM Los Angeles – KEST 1450-AM Radio San Francisco-Oakland-San Jose, “Talk! With Audrey”

Transformation Talk Radio-Online Podcast National, “The Dr. Pat Show”

KVTA 1590-AM Radio Los Angeles, “The Kim Pagano Show”

KSTE 650-AM Radio Sacramento-Stockton-Modesto, “The Chad Benson Show”

California Wildfires still burning into November

By Janet Ruiz, Director of Strategic Communications, Insurance Information Institute

On October 30 the National Weather Service issued its first-ever extreme red flag warning for Southern California and expects hurricane-force winds to continue until the first weekend in November. On October 31, 19 million people remained under red-flag warnings in the area. Thom Porter, head of Cal Fire, said that at least 20 separate wildfires broke out in Southern California on October 30.

In Northern California the Kincade Fire is 60 percent contained after burning for a week. Evacuees are now returning home. I watched the Kincade Fire from the northern side on Mt St. Helena. Airplanes and helicopters made their way in and out of the fire non-stop and firefighters were able to keep the fire out of the towns of Windsor and Healdsburg.

Here’s a photo from my back yard:

According to the LA Times, an intense surge in pre-deployed firefighting resources prevented the fire from destroying homes so far. Officials say the preparations for the winds have given them a fighting chance that they didn’t have last year, when the Woolsey fire — one of California’s most destructive on record — burned more than 1,000 homes and resulted in three deaths. Officials have said the battle against that fire was hampered by a lack of resources.

Legislation passed in Sacramento, first signed by Gov. Jerry Brown and then made permanent under Gov. Gavin Newsom, has allocated millions of dollars to pre-position firefighting resources during severe fire weather.

When you return home it is important to start the claim process right away.

Contact your agent or company to find out:

  • What’s covered under your homeowners or business policy – Fire is a covered loss
  • How to get additional living expenses and temporary housing – Keep receipts
  • Coverage for property, contents, outbuildings and loss of use – Take photos of damage
  • A timeline for the claims process
  • How to get estimates for rebuilding

Write down your questions and be sure to get them all answered. The claims adjusters are your financial first responders and are here to help you recover and rebuild!

Wildfire evacuation: What to take?

Two wildfires in California are spreading today (Oct. 27), fanned by high winds overnight, forcing tens of thousands to evacuate.

If you are forced to evacuate, here is a list of what to take, culled from a III article on evacuation planning:

  • Prescriptions and other medicines
  • First aid kit
  • Bottled water
  • Flashlight, battery-powered radio and extra batteries
  • Clothing and bedding (sleeping bags, pillows)
  • Special equipment for infants or elderly or disabled family members
  • “Comfort items,” such as special toys for children
  • Computer hard drive and laptop
  • Cherished photographs
  • Pet food and other items for pets (litter boxes, leashes)

From the same article, here is a list of key documents:

  • Prescriptions
  • Birth and marriage certificates
  • Passports
  • Drivers license or personal identification
  • Social Security cards
  • Insurance policies — homeowners, auto, life and any others
  • Recent tax returns
  • Employment information
  • Wills and deeds
  • Stocks, bonds and other negotiable certificates
  • Financial information such as bank, savings and retirement account numbers and recent tax returns
  • Home inventory

Unfortunately, though, if you are told to evacuate it will be too late to search the house for all this stuff. When authorities tell you to leave you must leave immediately. The fire could be on you in moments.

Wildfire response: a conversation with a fire chief

Frank Frievalt

California endured the largest and most destructive wildfires in state history in 2017 and 2018. The aftermath has left many wondering whether catastrophic wildfires will be the new normal for California and other fire-prone states, and, if so, what can be done. As the 2019 wildfire season progresses, there is a sense of urgency in the discussions among homeowners and business owners, policymakers, insurance companies and community leaders about how to change the paradigm in which wildfire-prone areas manage and respond to wildfire risks.

The Insurance Information Institute was fortunate to get an opportunity to speak with someone who is on the front lines of wildfire response. Frank Frievalt is the Fire Chief at Mammoth Lakes Fire Protection District and part of the Western Fire Chiefs Association (WFCA).  He is leading the insurance section of the WFCA’s Wildfire Initiative. The WFCA has recently formed a partnership with ISO and Interra to help better understand wildfire risk for communities.

I.I.I.: Many are concerned that the severity of wildfire events in the United States will only increase. Do you agree? If so, what do you think some of the major factors for this increase are?

FF: What we currently have is an alignment of factors. We have 100 years of 100 percent fire suppression policy, so fuel loadings are off the scale in environments where fire is part of the natural ecology. We have growth of houses built in the Wildland–Urban Interface (WUI) fueled by market forces (there is an estimated $250 billion in assessed home valuation in the 11 western states). There is the weather piece – the data is pretty clear that we are having a shift in climate which is not likely to change quickly. You also have ignitions which are mostly caused by people, and unless people’s general behavior improves remarkably, I don’t see any reason why the contributing factors are going to change.

I.I.I.: Tell us about the Wildfire Initiative and how you see a partnership between the WFCA and insurers developing?

Frank Frievalt:  After becoming the Mammoth Lakes Fire Chief in late 2012 I began to notice a disconnect with ISO’s FireLine risk assessment ratings for structures in WUI communities and the Defensible Space guidelines we use in the Western Fire Service. I set out to understand how ISO’s FireLine worked and reached out to ISO.

The main thing that we need to do is get technical facts empirically validated about mitigations for structural hardening that will deter ember reception at the structure. That’s how we’re losing most of the structures, it’s not direct flame contact. Once we have them identified and validated then we have to look into how these mitigations can be applied actuarially. We’ve been working with ISO who are really open to closing the knowledge gap.

Part of our goal is to have fire services and the insurance industry stand shoulder to shoulder and look at the mitigations that actually change the needle on outcomes, because we have the same goal – the protection of life and property.

I.I.I.: What are some of the public policy missteps that you see in relation to wildfire mitigation?

We’re only now coming to understand that the federal policy of 100 percent fire suppression will guarantee significant fuel loading and once the fire is established it’s going to burn extremely hot.

California has the most robust WUI code in the country; but that’s not a common situation.  Fire Chiefs we collaborate with in the West are frequently opposed by developer and even local government interests when attempting to incorporate more stringent WUI codes.

We really cannot approach the present WUI problem using past approaches from the fire service, insurance industry, or legislation; we are experiencing conditions that are significantly different from the past both as individual variables, and synergistically among each other.

I.I.I.: What do you think about recent wildfire legislation in California?

FF: Anytime there is a social disruptor people get frustrated and call their legislator, and then we start to see reactive-based legislation that is quickly passed, but frequently lacks the necessary detail to implement, track, and manage it.

About 11 months ago there was a flood of this type of legislation that hit California.  AB 1516 is one of the most significant pieces but it needs to be followed closely and massaged. It calls for a risk model advisory group and we are working with legislators on that.

The success of public policy requires public buy-in. No public policy is effective that’s just purely enforcement related. The best work that’s going to be done is not by my firefighters or insurance agents – it’s going to be done by Mr. and Mrs. Smith  annually and diligently maintaining proscribed defensible space, maintaining structural hardening (mostly retrofits), and then federal, state, and local government works on fuels management which is on the perimeter of communities.

We have got to get a connection with what we’re doing in defensible space inspections and what we’re doing in risk modeling. If my defensible space requirements are the same as the insurance company’s requirements to retain insurance at an affordable rate, then we increase our level of public buy-in to the mitigations that matter.

I.I.I.:  Could you suggest a practical list of mitigations for homeowners?

FF: This is not the definitive list, we are still working to come up with that, but here is what I can offer now:

  1. Roof Material
  2. Roof Assembly (Gaps, flashing, sub-roofing underlayment)
  3. Vents (Eaves, Attic, Foundation)
  4. Decking Material
  5. Decking Assembly (Enclosure, flashing, board gaps)
  6. Fencing
  7. Siding Material
  8. Siding Assembly (Gaps, underlayment, fire-resistivity assembly)
  9. Double-pane windows*
  10. Garage Doors

*Window assembly (an unintended consequence of the energy efficiency push led to vinyl windows, which melt and drop out making the building exposed to embers – windows are a big issue)

It’s vitally important the we collectively (and that includes I.I.I.) get involved in measuring the most cost-effective retrofit mitigations for these items. New houses can be built to new code but older houses need to retrofit.

Preliminary studies are indicating that structures built to the 2008 WUI code, and those that had a successful first WUI inspection had a 30 percent less loss to wildfire.

I.I.I.: Can you talk about the role emerging technology plays in mitigation and firefighting?

FF: This area is moving remarkably fast, perhaps too fast; we have a situation where technologies are seeking problems to solve rather than a situation where problems are seeking the best technical tools toward solutions.  We need to focus on asking the right questions first.  That said, I believe that big data analysis, real-time modeling at the parcel level, hyperspectral imaging, full-scale ember laboratory experimentation, and converting hazard mitigations to actuarial risk are among the top technological leverage points emerging in the WUI discussion.

I.I.I.:  Any thoughts on the future of fireproof houses?

FF: I’m not sure the “fireproof” house is plausible in the literal sense.  A concrete box would not burn, but it doesn’t have much curb appeal either.  The future of survivable houses in the WUI will exist in the shared space between fiscally and socially acceptable risk, market forces on development cost/sales, and the level of effort communities are willing to put into prevention of, and response to, the wildfires that are a natural part of the western ecosystem.

I.I.I.:  What are some of the public education efforts of the initiative?

FF: The public education will be secondary to where the science leads us.  Whatever we settle on, the public education message must be consistent in content, and recognition, between the fire service and the insurance industry.  The terminal objective of public education is to induce informed decisions that encourage behaviors beneficial to the public good.  If we fail to send a consistent message, public education efforts will be fragmented and lack credibility; we will have failed to serve the public good.

 

 

 

Insurance Industry Wildfire Relief Fund

California residents are grappling with the most deadly and destructive wildfires in the state’s history this November.

To help those affected, the Insurance Industry Charitable Foundation (IICF) is facilitating a collective industry relief response. To help with a tax-deductible contribution to the IICF California Wildfire Relief Fund, please click here.

Additional ways to aid victims of the Camp, Woolsey and Hill fires can be found here.