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Instead, insurance companies refused to pay fire policies, citing special riot exemptions.
Mr. Perletti, an insurance agent, said some insurers no longer sold fire policies to Kenai Peninsula homeowners in some areas surrounded by dead spruce.
Because lenders require homeowners to be insured against damage or total loss — say, from a fire — policies are then forced on the borrowers and added to their monthly mortgage payments.
Agents receive the same compensation rate on new auto and fire policies as for renewals, thus rewarding agents for serving existing customers, not just for drawing in new business.
"While these fires are a tragedy, it's also an opportunity to rethink our fire policies on a broader level as well as how and where we build our homes," Yana Valachovic, a forest management expert, told The Post.
An excellent Associated Press feature by Tracie Cone and Brian Skoloff describes the contribution of past warped fire policies, and notes how a shift toward managed burning of forests around Yosemite may be a critical factor slowing this blaze as it plays out.
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The Bush administration has no plans to change fire policy, said Mark E. Rey, who oversees the Forest Service.
Introduced in 1958, it gradually replaced the older method of insuring individual property under the "standard fire policy".
But changing fire policy is slow, subject to partisan fluctuations and interest-group pressure and fraught with technical questions.
We then analyzed the detected changes in fire regimes in the light of the implemented fire policy and the socio-economic evolution.
But the Cerro Grande Fire, at the time the worst wildfire in New Mexico's history, inspired her to become an expert in fire policy.
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CEO of Professional Science Editing for Scientists @ prosciediting.com