Op-Ed: You may not believe in climate change, but your insurance company does
Marylee Guinon. PRESS DEMOCRAT
In 2020, lightning-initiated fires burned more than 4 million acres of California. This year’s predicted super El Niño event may make 2026 the worst of times. Now is not the time to point fingers, but to make informed decisions within your control.
Prioritize actions you can take to prevent experiencing a total loss of your home, precious memories and years of your life spent building your life back. Simply relying upon the insurers, Insurance Commissioner, politicians, first responders or sheer luck in wind-driven structure to structure fires will not protect you.
Insurance companies have sophisticated risk models, recognized by Department of Insurance (DOI), to determine the risk to structures. Recently the DOI acknowledged climate change and the actual risks before structures burned, which allowed for necessary, yet painful rate hikes. While DOI Insurance Commissioners will come and go, climate change and wind-driven wildfires will only increase resulting in catastrophic community burnover.
State and local governments continue to approve new development in high fire-prone areas. As existing and new development increase structure density, catastrophic structure-to-structure fires have increased. Fire departments and water supplies cannot extinguish fire when it engulfs entire communities. Utility infrastructures are not built to survive 80 mph winds. These factors make it more imperative that homeowners prepare their properties for wildfire.