State Farm & Allstate won’t write new home policies in California

Most likely it’s “dropping/spreading” flame retardant materials over those acres.

Besides prescribed burns to remove underbrush, I’m guessing “treat” could also include physical removal of brush/dead trees or forestry mulching.

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I agree that this could also be considered “treating” an area; but this would be more for protecting a specific structure or property more than treating a large area (700k acres) of land.

Expected $10bn worth of losses this time around.

I found this website where CA tracks Fuels Treatment. Experience

I did a copy pasta below with some of the descriptions that is a little messy

Treatment Report Overview

Data from 6/14/2024 - Present

The Fuels Treatment Effectiveness Reports (FTER) evaluate the impacts vegetation management treatments have on fire behavior and highlight how fuel reduction activities not only assist in suppression efforts but also protect life, property, and the natural resources of California.

Fuel Treatments are areas where fuel reduction activities have been conducted, with the primary objective of reducing fuel loading. Treatments that are considered for evaluation include:

  • Treatments that have been completed or have had activities in the last seven years.
  • Objectives of:
    • Broadcast Burn
    • Fuel Reduction
    • Fuel Break
    • Right of Way Clearance
  • California Forest Improvement Program (CFIP) projects with fuel reduction activities (e.g. thinning, pruning, piling)
  • Fire Plan, Vegetation Management Program (VMP) and California Vegetation Treatment Program (CalVTP) activities completed by CAL FIRE or Contract Counties
  • Wildfire Prevention and Forest Health grant-funded projects, including work performed by grantees and contractors.

Treatment Effectiveness is the effect a fuel reduction treatment has on fire behavior, ingress or egress, and fire suppression.

Examples of Positive Impact include: assisted with fire containment, ingress/egress, reduced property damage, or changing fire behavior.

Examples of treatments Changed Fire Behavior include: halted rate of spread, slowed rate of spread, or reduced fire intensity.

Examples of treatments Contributed to Control of Fire include: used as a primary or secondary containment line, provided ingress/egress for fire suppression personnel.

So . . . about 2 years of 3 health insurers’ CEO salary + bonuses . . . right?

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Given the title is prescribed fire acres I’d think it was acres burned. The numbers are also in line with the ProPublica article above.

I saw a Bloomberg estimate of $50B+, but that might be damages as opposed to insured loses.

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The $50B+ estimate is for “total economic damages”.

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Looking at an old post . . . I think I now have to stand corrected.

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UK headlines…

https://www.telegraph.co.uk/business/2025/01/09/la-wildfires-halt-jimmy-kimmel-and-greys-anatomy-filming/

:oh_noes: Not that! Anything but that!!!

anybody have the non-paywall article?

Works with this

Here you go:

https://telegraph.co.uk/gift/28ebdbe9f62c6b89

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These before and after shots of the Palisades are shocking.

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I am not sympathetic to people whose policy got cancelled legally. Nothing wrong happened.

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Neither am I…but we’re evil insurance people.

The masses who don’t understand the issues of having aggregations of cat risk and doing business in a place where you aren’t allowed to have potentially profitable prices, and the masses who believe the corporations should never renege on deals apparently made for perpetuity, have a somewhat different viewpoint.

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I gave up a long time ago trying to explain how insurance works to family & friends.

You can’t win.

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