Published: June 4, 2025
We’re excited to share that our CEO, Robert Feldman, was recently featured on Episode 51 of the All Things Wildfire podcast, where he joined host OP Almaraz for an in-depth discussion about the current state of wildfire insurance in California and the innovative solutions WOWS Insurance Services is bringing to the market.
A Deep Dive Into California’s Insurance Crisis
During the episode, titled “Wildfire Insurance is Broken: Here’s how we’re fixing it,” Robert provided critical insights into the challenges facing California homeowners, particularly those with high-value properties in wildfire-prone areas. With nearly 25 years of experience in the insurance industry, Robert shared his expertise on navigating the increasingly complex landscape of fire zone coverage. The conversation covered the full scope of California’s insurance crisis, offering practical guidance for homeowners, brokers, and real estate professionals who are grappling with limited coverage options and rising premiums.
Key Insights from the Episode
The Evolution of Fire Hardening Requirements
Robert emphasized that fire hardening is no longer optional for properties in wildfire zones. Insurance carriers are now demanding concrete proof of mitigation efforts, including defensible space creation, ember protection, and other risk reduction strategies. This represents a fundamental shift in how carriers evaluate and price policies.
Understanding Your Coverage Options
One of the most valuable segments of the interview focused on the critical differences between admitted and non-admitted insurance carriers. Robert explained how these distinctions affect policy guarantees, claim processes, and overall protection levels – knowledge that’s essential for making informed coverage decisions.
The Limitations of the California FAIR Plan
Many homeowners’ default to the California FAIR Plan without fully understanding its limitations. Robert highlighted the gaps in liability coverage, policy exclusions, and reconstruction caps that could leave property owners significantly under protected in the event of a loss.
The Critical Role of Real Estate Professionals
As someone who regularly educates agents through the California Association of Realtors, Robert discussed how real estate professionals serve as a crucial line of defense in ensuring properties are insurable before transactions occur. He shared insights on risk assessment, fire mapping, and guiding buyers through complex insurance requirements.
Community-Wide Mitigation Strategies
The discussion also covered the importance of neighborhood collaboration in wildfire defense. Robert explained how community-wide mitigation efforts can significantly improve insurability and influence carrier decisions to provide coverage in high-risk areas.
About the WOWS Insurance Program
During the podcast, Robert provided an overview of our innovative WOWS Insurance Program, designed specifically for high-net-worth homeowners facing coverage challenges in wildfire-prone areas. The program combines:
- Advanced risk mitigation strategies
- Expert insurance placement services
- Comprehensive property protection roadmaps
- Ongoing support for maintaining insurability
Our approach goes beyond traditional insurance brokerage by addressing the root causes of insurability challenges and providing clients with actionable solutions.
Why This Conversation Matters
This podcast episode serves as both a wake-up call and a practical guide for anyone living or working in California’s wildfire zones. Whether you’re a homeowner looking to protect your property and manage premiums, or a real estate professional helping clients navigate wildfire risks, the insights shared provide essential tools for success in today’s challenging market.
Listen to the complete conversation on the All Things Wildfire podcast to gain deeper insights into wildfire insurance strategies and solutions.
Episode Link: https://allthingswildfire.com/ep-51/