How are California wildfires making some homes uninsurable? Are you covered?

All the latest news around California wildfires. It's a long term run, but weather changes and warming climate could make wildfire-prone homes (family houses, cottages and other dwellings) uninsurable. For insurance companies in California, uninsurable risk is a condition that poses unknowable or unacceptable risk of loss, both movable and immovable property. Millions of Americans want to live in outside the city, but relatively close to larger cities. For better comfort, of course. But as we can see now in California, houses standing close to vegetation pose larger risks and the danger of fires.

Many superstorms has changed the flood insurance industry, the California wildfires from 2018 may change homeowners insurance.

Does your homeowners insurance cover wildfires?

If your home is at risk, not only because of the California fires, you'll want to make sure your home insurance policy is enough and covers wildfire damage.You also need to know with certainty how much coverage you have and what step you need to make at first. Homeowners insurance coverage will typically help cover expenses related to smoke and soot damage. It generally means, you may be covered by your policy. 

Most "homeowners" policies will cover you and your family for mass evacuation when the government, or civil authority have ordered you to leave.

Largest wildfires in California 1932 - 2018

What are (was) California's largest, and most destructive fires since 1932 until now? Below are the 20 largest wildfires in California since 1932 - wikipedia. This statistic illustrates the top 20 most destructive California fires (PDF document) sorted by burned area (number of acres), location and date.