It’s going to be true in parts of the country without wildfires too. For the second summer in a row, we had a devastating storm come through with 80mph+ shear winds which destroyed half the trees in the neighborhood. Obviously they fell on houses and cars. The power was out for a good day and a half and then went out for a good 10 hours again yesterday (we were gone for most of that one thankfully). This morning, a water main broke and I doubt it’s coincidence, so we’re under a 24-hour boil order now. We lost two of our own trees and it cost $3200 to get them taken care of. One hit the neighbors’ garage, but apparently their insurance will have to cover that. Insurance doesn’t cover downed trees. How long before they start raising our rates because of these storms causing home damage?