Following the devastation of their homes in a wildfire, Louise Hamlin and Chris Wilson face an uneven recovery process. Hamlin is insured with Mercury Insurance and has received substantial payouts, while Wilson, unable to renew his policy, now relies on the state-run FAIR Plan, which offers minimal coverage. This situation exemplifies the broader insurance crisis in California, where growing natural disasters linked to climate change are making it increasingly difficult for homeowners to obtain affordable private insurance, leading to stark inequalities in recovery experiences.
"How they'll navigate rebuilding is a story of contrasting fortunes and unequal recovery that reveals the nation's growing home insurance crisis."
"It changes the whole trajectory to your life," said Wilson, who bought his house five years ago with his wife, who is six months pregnant with their first child.
"I chose an old home in an old neighborhood because it has soul," said Hamlin, who bought her home 10 years ago.
As wildfires become more frequent due to climate change, many property owners find themselves struggling to find or afford private insurance.
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