The photos are not representative of the kind of homeowner who does all the prescribed mitigation yet still doesn’t gain on premiums or coverage. In Colorado,

The photos are not representative of the kind of homeowner who does all the prescribed mitigation yet still doesn’t gain on premiums or coverage. In Colorado, the maps are fairly transparent, yet I get the feeling that mitigation work is ineffective within predictions based on newer data. https://archive.ph/O8j2m https://archive.ph/O8j2m