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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

PropertyCasualty360

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