The Insurance Mistake Homeowners Discover After Wildfires - Diane Delaney

About this episode

This episode discusses the disconnect in insurance confidence among homeowners post-wildfire and the need for brokers to evolve into risk management advisors.

In this episode of All Things Wildfire , OP Almaraz sits down with returning guest Diane Delaney , with Private Risk Management Association (PRMA), to unpack what the insurance industry has learned one year after the Palisades wildfire—and what must change going forward. Drawing from PRMA's nationwide survey of high-net-worth homeowners, Diane reveals a striking disconnect: while over 95% of respondents say they feel confident in their insurance coverage , nearly 70% fear exclusions and gaps at the time of claim . This gap has become painfully clear in catastrophe-prone regions like California, where wildfires, wind-driven embers, and insurance non-renewals are forcing homeowners and brokers alike to rethink how insurance is used. The conversation explores why insurance can no longer be treated as a commodity , and why brokers must evolve into true risk management advisors —having ongoing, consultative conversations that address lifestyle changes, life stages, and worst-case scenarios. From wildfire mitigation and water-leak detection systems to rebuilding realities and self-insurance risks, this episode highlights how proactive planning can protect not just property—but…

People in this episode

Host: O.P. Almaraz

Guest: Diane Delaney

Topics covered

• insurance
• wildfire
• risk management
• homeowners
• education
• proactive planning

Keywords

• insurance coverage
• wildfire mitigation
• risk management
• homeowners
• coverage gaps
• consultative conversations
• self-insurance risks

Mentioned in this episode

Organizations: Private Risk Management Association

Places: California

More episodes of All Things Wildfire Podcast

• Insurability Is the New Curb Appeal: Wildfire Risk, Insurance & Home Protection - Green Shield Risk · April 9, 2026 · 50 min
• How Hispanic Communities Are Preparing for Wildfires - Hilda Berganza · February 11, 2026 · 38 min
• How Climate Literacy Changes the Way We Handle Wildfires · November 25, 2025 · 46 min
• Wildfire Insurance in California: What Homeowners Need to Know Now · August 13, 2025 · 38 min
• Insurance Claims Guide: Recovering after the wildfires · July 30, 2025 · 57 min
• Innovative Fire Detection with Firebird - Lindsey Firesense · July 2, 2025 · 35 min