Tim Sheehy

You've got a huge incident of multiple different fires that are all part of the same ecosystem, but they are different incidents. And that makes your response to that that much harder.

terrorism do we know how do we know how this started not yet and obviously one thing about arson investigation is is you know it is inherently challenging because the area has been burned um there's definitely been accusations that this is arson i have not seen any you know foolproof evidence that it was um but there absolutely has been arsonists all over the country that started these fires and one thing that has been a big issue on the west coast

terrorism do we know how do we know how this started not yet and obviously one thing about arson investigation is is you know it is inherently challenging because the area has been burned um there's definitely been accusations that this is arson i have not seen any you know foolproof evidence that it was um but there absolutely has been arsonists all over the country that started these fires and one thing that has been a big issue on the west coast

terrorism do we know how do we know how this started not yet and obviously one thing about arson investigation is is you know it is inherently challenging because the area has been burned um there's definitely been accusations that this is arson i have not seen any you know foolproof evidence that it was um but there absolutely has been arsonists all over the country that started these fires and one thing that has been a big issue on the west coast

is a lot of the homeless drug population where they're out there, they've got a stove, they're either cooking their food or meth or whatever in these homeless camps and then fires kick off in there and then boom, it's gone. But when you go back to the terrorist concept, it makes a lot of sense. I mean, this is now the most expensive natural disaster in American history.

is a lot of the homeless drug population where they're out there, they've got a stove, they're either cooking their food or meth or whatever in these homeless camps and then fires kick off in there and then boom, it's gone. But when you go back to the terrorist concept, it makes a lot of sense. I mean, this is now the most expensive natural disaster in American history.

is a lot of the homeless drug population where they're out there, they've got a stove, they're either cooking their food or meth or whatever in these homeless camps and then fires kick off in there and then boom, it's gone. But when you go back to the terrorist concept, it makes a lot of sense. I mean, this is now the most expensive natural disaster in American history.

I mean, it's not even over yet, but it's on track to be the most expensive disaster in American history. Billions and billions of dollars. And think about this, Sean. This is the scariest part about this fire. The deaths are terrible. The families and the homes destroyed. But this is the really scary underlayment of this issue. Insurance. Wildfire insurance... could go away after this.

I mean, it's not even over yet, but it's on track to be the most expensive disaster in American history. Billions and billions of dollars. And think about this, Sean. This is the scariest part about this fire. The deaths are terrible. The families and the homes destroyed. But this is the really scary underlayment of this issue. Insurance. Wildfire insurance... could go away after this.

I mean, it's not even over yet, but it's on track to be the most expensive disaster in American history. Billions and billions of dollars. And think about this, Sean. This is the scariest part about this fire. The deaths are terrible. The families and the homes destroyed. But this is the really scary underlayment of this issue. Insurance. Wildfire insurance... could go away after this.

I mean, it's been happening. These fires, we have more people living in wildfire and pro-nurse than we've ever had before in America. You know, Western US, whether it's resort communities in the mountains, whether it's LA, I mean, people are building homes up into the hills, literally in the middle of fire country than never did before.

I mean, it's been happening. These fires, we have more people living in wildfire and pro-nurse than we've ever had before in America. You know, Western US, whether it's resort communities in the mountains, whether it's LA, I mean, people are building homes up into the hills, literally in the middle of fire country than never did before.

I mean, it's been happening. These fires, we have more people living in wildfire and pro-nurse than we've ever had before in America. You know, Western US, whether it's resort communities in the mountains, whether it's LA, I mean, people are building homes up into the hills, literally in the middle of fire country than never did before.

And as a result, those homes have to be insured because normally to get a mortgage, you need to have homeowners insurance. Well, wildfire home insurance has already been creaky these last few years. The foundations are starting to crumble after that Paradise fire, the Camp Fire in Paradise, California, Lahaina. So many fires across the western U.S.

And as a result, those homes have to be insured because normally to get a mortgage, you need to have homeowners insurance. Well, wildfire home insurance has already been creaky these last few years. The foundations are starting to crumble after that Paradise fire, the Camp Fire in Paradise, California, Lahaina. So many fires across the western U.S.

And as a result, those homes have to be insured because normally to get a mortgage, you need to have homeowners insurance. Well, wildfire home insurance has already been creaky these last few years. The foundations are starting to crumble after that Paradise fire, the Camp Fire in Paradise, California, Lahaina. So many fires across the western U.S.

Insurance companies are starting to get far more risk-averse on whether we're going to underwrite a home in a wildfire risk area. This fire may eliminate it altogether. And if that happens, think how many people will lose homeowners insurance and will not be able to finance their home or will lose their mortgage or their homeowners insurance will go up so much they can't afford to live there.

Insurance companies are starting to get far more risk-averse on whether we're going to underwrite a home in a wildfire risk area. This fire may eliminate it altogether. And if that happens, think how many people will lose homeowners insurance and will not be able to finance their home or will lose their mortgage or their homeowners insurance will go up so much they can't afford to live there.

Insurance companies are starting to get far more risk-averse on whether we're going to underwrite a home in a wildfire risk area. This fire may eliminate it altogether. And if that happens, think how many people will lose homeowners insurance and will not be able to finance their home or will lose their mortgage or their homeowners insurance will go up so much they can't afford to live there.

I mean, this could be a crisis in homeownership which is, as you know, for the last four generations, has been the main vehicle for American wealth creation. The vast majority of Americans' wealth is in their home. That's where we put our nest egg. That's where we generate long-term wealth. We make a salary. We have a 401k. But really, most of us, our eggs are in our home.