Frank Frievalt, with an illustrious career in the fire service since 1979, joins us to discuss the latest trends and challenges in protecting properties against wildfires. The conversation touches on the impact of climate change, the disconnect in the insurance industry's understanding of the "conflagration sequence of loss," and strategies to disrupt fire pathways for enhanced community protection. Key Highlights: Insights into ongoing developments in the real estate and insurance markets. Frank's background and expertise in the fire industry, emphasizing the importance of climate change awareness. Strategies to disrupt fire pathways and protect communities in the wildland urban interface. Exploration of rising insurance costs and potential financial defaults among homeowners. The critical role of insurance in the lending process and its implications for mortgage-backed securities. Considerations regarding the California Fair Plan and solvency concerns for carriers. Challenges faced by fixed-income homeowners and the complexities of insurance costs. Shownotes:  For a detailed breakdown of the episode's content, including timestamps for each segment, check out the complete shownotes here. Don't miss out on these valuable insights! Whether you're a homeowner, industry professional, or policymaker, this episode provides a comprehensive understanding of the interconnected challenges posed by wildfires and the strategies to navigate them.