Overall, would you say that the amount of risk assessed to our community by the insurance is accurate?

I would say that there are certain parts of our county, and in certain areas of our county that the risk is pretty accurate. Then there are other parts of our county where you mentioned earlier, Tuolumne County has done a great job securing the funds to reduce fuels in the area.

Unfortunately, that’s a new thing. It hasn’t been going on for years and years. So, I think we have to get ahead of the curve on that.

But to answer your question, yeah, there are certain areas that are reflective of a very high risk. But, what’s happened and where we’re kind of fighting with, and I spend sometimes hours right on the phone with underwriters trying to advocate for our clients and customers that the space behind them is cleared. You know? There is a fire break there, so I think there can be an improvement in the brush mapping.

Another big game changer, too, is these insurance companies are looking out 2000 feet and sometimes up to a mile from the property that they’re insuring, whereas a couple of years ago, they were only looking out 100, 200 feet. Yeah, so that’s changed too.

Tune in for Part 13 of the State of Fire Insurance in Tuolumne County, where Justin and Ryan discuss the Property Improvements to Attract Private Insurance!

We’d be happy to review your insurance coverage options with you! Give us a call at (209) 532-5102 or visit https://caldwell-insurance.com.