TLDR; You know, or should, as a wildland firefighter, the technique of efficient and effective work depends as much on your feet and legs as your upper body strength.
If you went into the workout room, and the fitness trainer said, “This so and so is weak here, there or everywhere, so that’s what everyone must do today” you would rightfully call them incompetent. How does this relate to insurance policy? Glad you asked. 
I found the article’s narrative hard to follow. I suspect this may wind up in the 9th Circuit. I hope that, sooner than later, insurance rate policy rewards LG voters that get the mitigation work done, over those with religious axes to grind. We certainly don’t want a situation where everyone must pay for the negligence of a privileged few with notions of “unskilled labor” and fast-talking intellectuals who find California’s voter initiatives inconvenient.
At the risk of comparing apples and oranges, water diversions from the reservoirs to the farms in times of drought undergo conflicts of who’s interest is best served when both cannot be; the value of the lakeshore property owner, or the worker who grows the excess food that makes the luxury lifestyle possible.
Are we really in the business of subsidizing McMansions and Houses of the Holy?
Is that what this is really about? Where is the so-called revenue gain if the money is really just making a round-trip back to propping up an inflated value?
Another issue my writerly instincts can’t resist is riparian fires. As the weather gets warmer and drier there will be more river fires in direct proximity to structures. In some places, this problem was handed off and funded with organizations with fragile and eccentric leadership problems with the predictable recidivism, poor outcomes and failures that result from sketchy value propositions.
Where those organizations have collapsed, or failed, the clients are also back in the river bottoms.
This head-tilting - side-eye - I don’t know…
I think we can walk and chew bubblegum at the same time; hawkish Initial Attack, and stronger year-round fuels programs. I think this is what the insurance companies are looking for…but we also need the watchdogs and champions, when the problem is really the business plans.