While most insurance policies cover losses from wildfires, the insurance industry could do a lot more to reduce the losses and costs from wildfires - much like they do for flooding or hurricanes.
For example, they could require or give discounts for mitigating hazards and using "Firewise" practices; give discounts for using fire proof materials in construction or remodeling, especially roofing; and conduct periodic on-site inspections as part of the renewal process - especially in high risk areas such as the Front Range of Colorado.
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