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Wildfire coverage issues. There have been serious issues with the California wildfires over the past year regarding sufficient levels of insurance. Many homeowners do not understand the difference between market value of their home and replacement cost. (Photo: Shutterstock)

California was beset by historic wildfires in 2017, and the trend is continuing into 2018. There are many issues involved. One is climate change, as the wildfire season has started earlier than normal and is expected to last longer. Another issue involves people moving into wildland urban interface areas, which are the transition spaces between developed and wild areas. This puts homes closer to wild areas, making them more susceptible to wildfires.

Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Managing Editor of FC&S Expert Coverage Interpetation, a division of National Underwriter Company and ALM. Christine has over twenty-five years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Before joining FC&S, Christine worked as an Underwriting Supervisor for Maryland Auto Insurance Fund, and as Senior Underwriter/Underwriter for companies Montgomery Mutual, Old American, Charter Group, and Nationwide. The publications Christine has written or edited include Personal Lines Unlocked: The Key to Personal Lines Underwriting, Personal Lines Endorsements Coverage Guide, Commercial Flood Insurance Coverage Guide, Personal Flood Insurance Coverage Guide, Homeowners Personal Lines Coverage Guide 5th Edition, Personal Umbrella Coverage Guide 2nd Edition, and Condominium Coverage Guide 2nd Edition, all published by the National Underwriter Company. Christine regularly writes for Claims Magazine and National Underwriter Magazine. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter. Christine graduated cum laude from Towson University, Maryland, with a degree in Sociology/Psychology with a concentration in Gerontology.

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