Wondering how to tackle California's homeowner's insurance crisis amidst non-renewals and rising rates? The solution might be closer than you think! Until the Department of Insurance approves the use of catastrophic modeling and factors in reinsurance costs, the market won't see any changes. One proactive measure you can take is establishing an Ember-resistant zone (Zone 0) within 5 feet around your home to halt fire spread:
✅ Swap combustible mulch for gravel, pavers, or concrete.
✅ Clear dead weeds, grass, and debris; inspect roofs, gutters, and outdoor areas regularly.
✅ Keep branches trimmed at least 10 feet away from chimneys and stovepipes.
✅ Replace any combustible fencing attached to your home with non-combustible material.
This not only shields your home from potential fires but could also become law under Assembly Bill 3074 by 2026. Stay safe and proactive! 🔥🏠