Who's on the hook for California's uninsurable homes?

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  Npr.

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  This is the indicator from Planet Money.

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  I'm Wayland Wong.

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  And I'm Adrienne Ma.

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  Kael Beck has lived in California for most of his life, and that's meant living with fire risk.

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  He says he's had to evacuate three times, although currently he lives on the Central coast, which is far from the wildfires devastating Los Angeles.

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  He and his wife bought a fixer upper near Monterey in 2020.

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  It's a very small street.

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  It's one way in and one way out.

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  And that's one of the scary things as far as fire goes.

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  But it's just like, you know, we have room for all of our animals.

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  We have five dogs and a mini horse.

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  Wow, you have a mini horse?

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  Yeah.

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  His name is Willow and he's.

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  He's raised with dogs, so he pretty much just sleeps on the porch.

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  So life is pretty grand for Willow, the mini horse.

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  But Kael hit a pretty big snag about a year after buying the house, his home insurance company said it would no longer cover him for fires.

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  His insurer said one problem was too many overgrown shrubs and trees on the property.

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  So Kale got a wood chipper and cleared the land himself.

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