Parker Hunsaker

So if I'm writing an insurance policy from an insurance perspective, I'm putting a financial risk out there.

If I'm taking a look at writing a policy in New Orleans, lots of gangbanging, lots of stuff going on down there, I'm probably not going to be as inclined to put my money in New Orleans versus somewhere like Provo, Utah.

Yeah.

Well, wildfire insurance is one of those big things.

And a lot of times what people don't realize is a lot of people are getting declination letters, especially in California.

Oh, we're actually going to no longer write your home insurance because you've got, you know, a fire score.

And people are like, okay, well, what the hell is a fire score?

A fire score is essentially what they'll, what they'll do is they'll take a certain geographical area.

They'll make a giant circle from, you know, a financial expert will come in and they'll take a look at it.

And so they'll say, okay,

based on the zip code it's a high fire risk area so for example like malibu right big financial um kind of like a risky spot for insurance uh experts to come in and want to put money in malibu because there's a lot of a lot of brush right a lot of wildfire areas so what they'll do is they'll take that and they'll say okay this is a this is a wildfire zone they'll target it that way and now they will decline pretty much anything within that zip code

And so it makes it very difficult if you live in a certain spot geographically to get insurance.

Wow.

Plus on top of that, you got a lot of people committing insurance fraud.

Yeah.

I mean, so from an insurance fraud perspective, I've seen it happen more on the auto side per se.

Yeah.

But for example, like I have a close family friend of mine who actually was in a parking lot, right?

She hits this old lady.

So the claim goes, right?