In this episode of The Fire Break, Steve Wolf welcomes Janet Ruiz from the Insurance Information Institute (Triple-I) to shed light on the complexities of insurance in wildfire-prone areas. Janet explains how Triple-I works to inform the public and insurers about managing risk, particularly in the face of increasing wildfire threats. They discuss the rising costs of premiums, the importance of home hardening, and how insurance companies are adapting to better account for mitigation efforts. Janet highlights the new requirements for insurance discounts related to fire mitigation and touches on the challenges of community preparedness. This insightful conversation helps homeowners understand how to better protect their properties and navigate the insurance landscape as wildfire risks grow.