“Cleaning dead plants, removing wooden furniture, (those are) things that people may ignore in the forest area,” Hearn said. “There will be more focus on how the house is rebuilt and the materials used, especially the roof. If the roof is not at a certain level or above a certain age, the insurers may change the term, providing actual cash value rather than replacement costs. There may also be insurers that impose higher reservations on wildfire damage.”
