In this conversation, Steve Wolf and Stu Korn discuss the role of insurance companies in mitigating the risks of wildfires. They explore why insurance companies are not leading in developing new wildfire suppression strategies and the consequences of this for homeowners. They also touch on the impact of climate change on the frequency and severity of wildfires. Stu Korn shares his recommendations for homeowners, including creating a debris-free zone around their homes and getting the right insurance coverage. They also discuss the concept of parametric insurance as a way to expedite claim payments. In this conversation, Stu Korn and Steve Wolf discuss the importance of asking questions and understanding insurance policies. They highlight the need for individuals to be proactive in their insurance coverage and not solely rely on their agents. They also discuss the lack of insurance education for the general public and the potential benefits of insurance companies taking a proactive role in loss mitigation. The conversation touches on topics such as fraudulent claims, the impact of climate change on insurance, and the importance of risk management and mitigation.