The little-known way some insurers try to stay ahead of wildfires

David Torgerson, CEO of Wildfire Defense Systems, believes that private companies like his are key to addressing the ongoing insurance crisis in California, particularly in relation to wildfires. By working directly with insurance carriers, Wildfire Defense Systems implements preventative measures such as applying protective gels and removing flammable materials to safeguard homes and businesses from imminent fires. The company operates across 22 states and engages in what they term "pre-suppression," often mobilizing days ahead of a fire to ensure properties are as secure as possible.

The team at Wildfire Defense Systems is dedicated to mitigating damage from wildfires rather than focusing on life-saving efforts like first responders. Their proactive strategies include cleaning gutters, operating sprinkler systems, and addressing potential fire risks post-crisis. Following a fire event, the team returns to inspect and extinguish any lingering spot fires to prevent further damage. Torgerson emphasizes that the company’s services are only available to insured homes as defined by specific insurance policies.

The insurance landscape in California is increasingly strained, with companies like State Farm halting new applications and cutting existing coverage due to the escalating risks associated with wildfires. In fact, preliminary loss estimates have already surpassed $20 billion, reflecting a record high for insured losses in the state. This situation raises concerns about the availability of insurance options for California residents as wildfires become more frequent and intense.

Controversy arises when discussing access to fire safety resources, especially in affluent areas like Pacific Palisades, where high home values generate attention regarding fire protection. While some individuals seek out private firefighters, Torgerson clarifies that his company operates under regulatory frameworks and does not cater to individual homeowners, focusing instead on risk assessment across various properties. His firm trains its staff in line with national fire coordination standards and emphasizes their partnership with multiple insurance providers.

Offering services as part of standard insurance policies, Wildfire Defense Systems has aligned with firms like State Farm and Chubb, providing coverage options that can help homeowners safeguard their properties. As the increasing severity of wildfires continues to challenge the insurance industry, Torgerson asserts that innovative solutions like theirs are essential for maintaining insurance availability and managing economic risks related to wildfire damage.