Can We Bridge the Widening Property Insurance Gap?

A Conversation With Robert Feldman

For years homeowners’ insurance was just there. It was a safety net in the background, ready to catch someone when disaster struck.

In This Episode

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The Homes the LA Wildfires Left: A Hidden Insurance Crisis?

Robert Feldman:

Those that aren’t familiar with where the Pacific Palisades is, it’s basically if you go from Malibu and you’re driving to Santa Monica, you drive through this little city called the Palisades. And so they’re canceling 1,626 homes. That’s 69. Lemme say that again. 69% of the total homes. That’s seven out of 10 homes.

Erika Stanley:

This episode was recorded right before the devastating wildfires that ignited in Los Angeles in January. Insurers and homeowners are now faced with disaster recovery efforts. In addition to continuing to combat the growing wildfire risk in the area. Read more about the true cost of the LA wildfires in our deep dive exploration. The link is in the show notes.

Maiclaire Bolton Smith:

Welcome back to Core Conversations: A CoreLogic Podcast where we tour the property market to investigate how economics, climate resiliency, governmental policies, and technology affect everyday life. I am your host Maiclaire Bolton Smith, and I’m just as curious as you are about everything that happens in our industry. Home insurance is a hot topic. Literally as wildfires are becoming more frequent and more severe, it’s becoming more difficult to secure homeowner insurance. In fact, in the past 18 months, many insurance carriers stated that they would no longer write new policies in the state of California. And many homeowners who do have policies have seen their premiums skyrocket. And as insurance premiums rise, they’re pushing up overall inflation. This is making housing, which is already very expensive, even more expensive. Of course, insurance is only a requirement when homeowners have a mortgage, but most people do have mortgages, especially if they buy a new home. In fact, 13% of real estate agents have lost a sale due to the buyer not being able to ensure the home they wanted to buy. According to the California Association of Realtors, that’s twice what was reported in 2023. But these difficulties are leading to innovations within insurance. So to talk about how homeowners insurance can be reimagined for the current environment, we have Robert Feldman, the co-founder and CEO of Wows Insurance with us today. Robert, welcome to Core Conversations.

Robert Feldman:

Thank you very much. I’m honored to be here today, so it’s an incredible thing to be able to talk about and continue to beat out the myths of the industry. So thank you for letting me come on today.

Erika Stanley:

Before we get too far into this episode, I wanted to remind our listeners that we want to help you keep pace with the property market. To make it easy, we curate the latest insight and analysis for you on our social media where you can find us using the handle @CoreLogic on Facebook and LinkedIn or @CoreLogicInc On X and Instagram. But now let’s get back to Maiclaire and Robert.

Maiclaire Bolton Smith:

Well, you and I met last spring and I’ve been wanting to have you on the podcast ever since because I know you’re doing some really revolutionary things in this market. So I know this is going to be a really interesting conversation. So I guess just to get started, if we look at the 10 years between 2013 and 2022, it’s clear that it’s becoming harder for insurers to stay profitable. So during that period, insurers have had a combined ratio of 108, which means they spent 108% of their premiums.

Robert Feldman:

They’re paying out more than they’re taking in. That’s a dangerous thing.

Maiclaire Bolton Smith:

Exactly. They’re paying out more than they’re taking in. So let’s just start with this. So how did the insurance market get to this position and why is it so expensive to get homeowners insurance right now?

Robert Feldman:

Got it. One of the sayings I like to use, and I say it everywhere, is the insurance industry has been basically going through Einstein’s theory of insanity, doing the same things over and over again and expecting a different result. And really with all the changes, I mean from 2013 to now, I could argue that carriers are, when they say 108% loss ratio, I would estimate on the low side, carriers are losing money.

Maiclaire Bolton Smith:

And

Robert Feldman:

When insurance carriers lose money, they pull out. Right now we’re in doing historic cancellations throughout California. We launched the Wiles program really to combat this very thing. I’ve been a street broker for 25 years prior to launching the Wiles insurance program. And what’s really scary is it’s not just California as we speak right now, I’m sitting in Utah meeting with regulators. I’ve working with the Nevada state regulators, the Western United States is being affected by this. And unless we make changes and there’s a lot of things that just are common sense changes to the industry, it’s not viable. Rates are going to continue to rise and it’s just going to be out of control.

Maiclaire Bolton Smith:

Well, and honestly, grateful for people like you that are trying to be innovative in this space because it is just going to get out of control. And we don’t want to get to a state where we live in a world where insurance isn’t available or not even an option because bad things are always going to happen and people need insurance to help them recover from these things. So I know you already have a background and a strong presence in the real estate market as well. So can you talk a little bit about what’s happening in the housing market as insurance becomes either too expensive or impossible to get?

Robert Feldman:

Yeah, in California, we write throughout California as a wholesale, we’ve been bringing products in, we’re watching deals get destroyed or fall out of escrow because we’re seeing just some of the market we’re talking about not a significant increase. We’re seeing incredible increases in rates. We’ve seen carriers quadruple, double, triple, quadruple in market. We’re seeing a hundred percent, 80%, 200% rate increases for the ones that are staying in. And it’s just because it’s based on area and risk. And so what’s happening is it puts a lot of pressure on the real estate market.

Maiclaire Bolton Smith:

Absolutely. Yeah. Wow.

Robert Feldman:

One of the big things about our wows program and why I’m very popular, I would jokingly say with a lot of the real estate space in the past, I’ve been a speaker for the California Association of Realtors on Insurance and fire zones. I speak throughout the different realtor associations is the Wees program, which is one of the unique features. It’ll be the first policy we’ve been able to find that will be fully transferable from sellers to buyers.

Maiclaire Bolton Smith:

Oh, interesting. Okay.

Robert Feldman:

And why it’s important to know that is it helps stabilize the market. Look, a consumer that’s buying this house, if the client’s in the WOW program could absolutely get their own insurance in a different place, what we’re saying is the policy that seller has now as the program continues to evolve, will be able to be transferred to a buyer that helps stabilize the market.

Maiclaire Bolton Smith:

You’ve very much been a trailblazer in this volatile market. So I guess, can you talk a little bit about how your approach is a little bit different and how you’re making it work? So how have you been able to A, come up with this idea and B, make it work when it’s never things like this have never worked before?

Robert Feldman:

Well, really, I’m sorry to say, I’m in every major fire. So when I was a broker, so how do I make it work? I got to see front hand. I lived through the original Malibu fire, I should jokingly say the one five years ago. And I got to see the differences between what happens with wildfire and all the losses throughout California and what succeeds and what doesn’t succeed in California and really working with you as CoreLogic. I’ve been able to really use fire scoring and looking at analytics and really building the whole new program. What’s really scary to me is when we were able to see the analytics about the spread of risk. So the spread of risk is as important or more important than the actual F scores themselves. One of the big negatives that’s happened in California is companies are oversaturated in markets. They have way too much in one area, and that’s causing these major catastrophes, these major problems.

Maiclaire Bolton Smith:

Yeah. So I guess maybe even, let’s just take a step back and talk about exactly what you’ve done. So part of it is this, being able to transfer the insurance with the mortgage, but you are really trying to make insurance possible for people who may otherwise not be able to get insurance because they live in a very high risk zone. And also many times in your case, especially are in very valuable properties. I know you really are targeted at this high risk, high value property. So can you just talk a little bit about what exactly you’re trying to do? Yeah,

Robert Feldman:

Well, really we’re trying to make a directional change. It was my earlier comment about Einstein’s theory of insanity. So we built the Wildes program, one of the biggest honors we’ve received from multiple big reinsurance companies, from Munich to different companies. We’re now wholesaling products and bringing things back in to further support. There’s a product we brought to California that we’re working with right now that’s not even a part of the wows program that’s helping change and getting consumers insured.

We continue to work with more and more, not just our own Wows program, but we’re bringing in to help support not just California, but looking to help support the Western United States that’s dealing with the fires. This is no different than in Nevada and Arizona, Oregon, Washington, Utah. I mean, park City, Utah, can’t get insurance right now for a lot of the

Maiclaire Bolton Smith:

Boat. That’s incredible. Wow. That’s crazy. Wow.

Robert Feldman:

And so it’s just things have to change and we’re helping, I like to think we lead the way to that. Very,

Maiclaire Bolton Smith:

Very much a trailblazer. I think you are leading the way. I guess the other thing too is government regulation. How does regulation play into this as either a help or a hindrance? And then if we look towards resilience mitigation, are there other measures that we can take to potentially help maybe either make insurance easier to get, or also maybe make other programs more available to people because they’re doing things like hardening their homes and doing things that are more mitigative measures to help limit the disaster that may happen?

Robert Feldman:

Well, the first part is obviously the different regulatory entities, whether it’s California, Nevada, or the States. Some are easier to work with than others, but I think it’s a consensus is I believe, and when I work with the Department of Insurance in multiple states, every department of insurance is in the same category. They’re all hands on deck, which is a great sign.

Maiclaire Bolton Smith:

That’s great.

Robert Feldman:

And the reason for it is they realize this is really a crisis now. This isn’t going away. This is not an ostrich moment where we can put our head in the sand. We need to look and be creative to make changes. And so that’s a really big change is what I would say.

Maiclaire Bolton Smith:

Well, I think ultimately the regulatory bodies being all hands on deck is a really good sign because it shows that

Robert Feldman:

It’s a great sign. They

Maiclaire Bolton Smith:

Are trying to find solutions here, and I think ultimately, it’s not even an elephant in the room, but the sticking point is really pricing. It’s that insurers would be happy to offer insurance to a lot of people, it would just be insanely expensive, and they know that because for them to remain profitable, they’d have to increase the prices. So I guess that’s just not feasible long-term for insurers to just keep raising their insurance over and over and over again.

Robert Feldman:

Well, but part of that though, again, is based on how things are structured right now.

So when I’m working with a lot of the different reinsurance companies, building the last program, this is the thing that was staggering to me, really, when you look at it, examples are like State Farm. State Farm right now there’s a city in California called the Pacific Palisades. Those that aren’t familiar with where the Pacific Palisades is. It’s basically if you go from Malibu and you’re driving to Santa Monica, you drive through this little city called Pacific Pal.

Maiclaire Bolton Smith:

It’s the less famous where all the celebrities live next to Beverly Hills.

Robert Feldman:

There you go. That’s a good way to say it too. And so they’re canceling 1,626 homes.

Maiclaire Bolton Smith:

Wow,

Robert Feldman:

That’s 69. Lemme say that again. 69% of the total homes, that’s seven 10 homes.

Maiclaire Bolton Smith:

Wow.

Robert Feldman:

Why should an insurance company? There should never be a time, no matter what area it is. The one thing working with CoreLogic and being able to prove is spread of risk is important or more important than actual fire scores. How can you have any one insurance carrier with seven out of 10 homes?

Maiclaire Bolton Smith:

Yeah, no, absolutely.

Robert Feldman:

You cannot do that.

Maiclaire Bolton Smith:

Yeah. Well, that’s kind of where I was going next too, is I think you’re really hitting on it that it’s not, we often say low risk doesn’t mean no risk, and it’s not just all about being in a high risk area. You can be in a high risk area, you can be next to somebody that’s in a lower risk area, but it’s about the fire spread and the way a fire is going to propagate and the climatological conditions that are going to prohibit or inhibit that to happen that are really going to indicate how drastic this could spread and how bad ultimately the fire could be.

Robert Feldman:

Well, the insurance companies are putting billions, and I use that word with a B billions of dollars of risk. So wouldn’t it make sense from a regulatory standpoint or spread to spread it out? So if a company use, if a company’s going to have 5 billion or 10 billion of risk in California, do you want it all primarily in one area, or do you want to make sure that the spread of risk happens where no more than one home or two homes is possible in a fire? This is what affects insurance rates.

Maiclaire Bolton Smith:

Yeah. Wow. I was leaning towards asking you a question about pricing models and what could be done to support a pricing model in this complex environment, and then I am wondering if that’s even relevant based on what you just said. But yeah, just thoughts on how potentially insurance companies could approach this with different pricing models that may make it feasible to continue having a profitable business.

Robert Feldman:

Absolutely. I think there’s a whole host of things that need to change as we talk about the pricing models, pricing models right now, if you do not have a spread of risk, going back to what I said earlier, insurance companies have to price as if they’re going to be saturated in a given market, obviously to defend themselves, that’s a higher rate. Also, an example, California fair planning in California has, due to bill changes, one of the bills was AV 2 7 56 is allowing now where you can stack on top of, well, these are going to be become really necessary for a lot of insurance companies to be profitable.

Erika Stanley:

The California Fair Plan is a state-sponsored insurance policy that provides basic fire insurance coverage for high risk properties when traditional insurance companies will not.

Robert Feldman:

That bill is a really important bill. It requires insurers to be people to be insured within 80% at the time of loss, or it goes to ac cd. That’s a myth that’s out there. We could do a whole podcast on just that. Bill.

Maiclaire Bolton Smith:

I’m actually glad you said that because I mean, when you started, you said you were looking forward to dispute some of the myths that were out there, and that’s maybe one of that people don’t realize are a myth. So let’s actually dive into that actually a little bit.

Robert Feldman:

Absolutely. There’s an estimation as much as 90% of the consumers that are currently on the California Fair Plan is going to fail that clause.

Maiclaire Bolton Smith:

Wow. Wow.

Robert Feldman:

Interesting. So let’s talk about, and there’s two reasons why. One is the obvious one, rebuild costs are going through the roof in California.

Maiclaire Bolton Smith:

Absolutely.

Robert Feldman:

A simple A-frame house is 300, 400 a square foot. Well, consumers that got the California Fair Plan years ago, 2000 square foot house, let’s just go there, 2000 square foot house, high fire zone area, they bought the policy at $200 a square foot five or 10 years ago. So they have 400,000, let’s just say $500,000 of coverage. Now, fast forward, time of loss occurs that 2000 square foot house gets estimated at $500 a square foot. It’s a million dollar rebuild.

Maiclaire Bolton Smith:

They

Robert Feldman:

Failed the clause. They’re not at 800,000. Now, the policy reverts to A-C-V-A-C-V actual cash value is the insurance lango for depreciation. It’s estimated on 25 year table, so homes that are over 25 years old potentially have little or no coverage. When they fail

Maiclaire Bolton Smith:

Response,

Robert Feldman:

That consumer isn’t going to even receive their $500,000.

Erika Stanley:

It’s that time again, CoreLogic just dropped new numbers about what’s happening in the housing market. Here’s what you need to know. Trump’s tariffs continue to loom over the US and there are many questions about whether it will affect home affordability. CoreLogic examined the potential impact of these tariffs on building costs and home prices. Our analysis suggests that if implemented these tariffs could push home construction costs up by four to 6% over the next 12 months as material costs adjust. These increases are in addition to annual increases, which typically track inflation, that could mean in the short term, builders could face up to a 10% increase in material already. The average cost of new construction in the US is $422,000. Adding in potential material cost increase from the tariffs would add between 17,020 $2,000 to that price tag. Find out more in our deep dive exploration on the effects of these new tariffs at the link in the show notes, and that’s the sip. See you next time. Okay. I want

Maiclaire Bolton Smith:

To dive into that a little bit because this ensuring to value topic is a really important one, and I think back to the tubs fire in 2017, in the Santa Rosa area in California, very familiar. The big thing with that event was there were so many homes that were underinsured because the reconstruction cost value or the insured to value ratio was off. So they were not insured to the current value of what it would cost to reconstruct the home, and that ended up being just a devastating part of that story, but also I think really kind of opened the can of worms. Well,

Robert Feldman:

One of the things I’m going to jump in on you right here, one of the things they don’t take into consideration is what happens when you lose 200 or 500 homes in a area.

Maiclaire Bolton Smith:

It’s not just one or two.

Robert Feldman:

We internally use it as a shop loss. So you have Oh, yeah. It’s just you have,

Maiclaire Bolton Smith:

Yeah, Coffee Park of Santa Rosa. The entire neighborhood was gone. It was devastating.

Robert Feldman:

So now you have builders that used to have to bid out. So think about the logic of that part. You had four builders all bidding on one house. Now you have 20 people asking a builder to build their house.

Maiclaire Bolton Smith:

Wow. Wow. Simple

Robert Feldman:

Supply and demand.

Maiclaire Bolton Smith:

Yeah. Yeah. Interesting.

Robert Feldman:

So I’ve argued forever that there’s two different prices on rebuild.

Maiclaire Bolton Smith:

Interesting.

Robert Feldman:

There’s a rebuild cost for a kitchen fire, so if a kitchen fire burns the house down, it’s one home. There’s a cost. The cost of a shock loss or a catastrophe could be as high 30 to 50% higher.

Maiclaire Bolton Smith:

Wow, 30% higher.

Robert Feldman:

Yep, 30 50 because again, supply and demand. Wow.

Maiclaire Bolton Smith:

Yeah. Supply and demand simply. Yeah. So I mean, I know a lot has happened in the eight years since 2017 since this fire and with inflation and everything else, but that event really was in many ways I feel kind opened the can of worms on this whole importance of ensuring to value, and now where we are in this current state of inflation and the current state of cost of construction and just everything going on so much, it’s such an important topic,

Robert Feldman:

And what happens is it needs to be reviewed annually. Now, most insurance carriers have, if you were with an admitted carrier, like a state farmer in All State or farmers, big companies, aaa, things of nature, they have their own algorithms that automatically update. So they’re looking at inflation guard and things of that nature to do. To help protect, but when you’re on the California Fair Plan or some of the different carriers, there is no adjustments.

Maiclaire Bolton Smith:

Wow.

Robert Feldman:

The only time it adjusts is if the broker on California Fair Plan, if the broker and consumer do a review and they decide to raise the coverage, well think about what’s going on right now in the current insurance market. Rates are rising, consumers are pushing, I mean, obviously no one wants to see their rates go up.

Maiclaire Bolton Smith:

Right, right.

Robert Feldman:

Absolutely. But the problem is when you’re not insured of value, then I see the tail end of the other side, the consumer that can’t rebuild their homes.

Maiclaire Bolton Smith:

Yeah, yeah, absolutely. It’s devastating because people trust that their insurance is going to cover their back. When something bad happens and when something bad really bad happens, and their insurance policy says, here’s 20, 40, 60% of what your home is actually worth tore of it, that’s all we can give you. That is just a horrible situation, and to do it, to your point for a broad area all at once, just the community impacts and the long term recovery impacts on that. tually even more dangerous. I really do.

Okay. I want to talk about what’s currently happening on the ground in California here. So early 2025 now, but in 2024, over 1 million acres burned across Southern California. You and I both live in Southern California too, so I think it’s kind of like from my area to your area, this is where we’ve seen all of this burning happening, and it’s interesting because I would say 2024 was not a fire season that really got the attention that some of the previous ones have because there wasn’t the Tubs Fire, paradise Fire, the Campfire. There weren’t any of those big, very devastating events, but it was huge in terms of areas impacted. I

Robert Feldman:

Just think that, again, first and foremost, Cal Fire, I mean, we really have to take our hat off to Cal Fire. They are getting better and better. I mean, obviously one of the great things about us in general is that when things happen and cata happen, there’s companies throughout that are coming to the market now trying to help mitigate risk, and so it’s definitely, I would make an argument that Fire has gotten better, better with their technology and what they’re doing with planes and the resources are getting better. Look at this, what just happened with the Malibu fire now and what it was five years ago?

Maiclaire Bolton Smith:

Sure, yeah. Yeah.

Robert Feldman:

Almost the same acreage burning. Last report I saw was seven homes, nine Damaged. The one prior to was 605, 600 homes.

Maiclaire Bolton Smith:

Yeah. Yeah. That’s incredible.

Robert Feldman:

When I’m working within reinsurance companies, I’m talking about this all the time.

Maiclaire Bolton Smith:

Yeah. Wow. No, I mean it’s huge, and I mean it does show also the benefit of mitigation, the focus on resilience and how that really can and does make a huge impact and make a huge difference.

Robert Feldman:

Yep, exactly.

Maiclaire Bolton Smith:

Yeah. I guess we’ve talked a lot about California. You alluded to it earlier that this is not a California problem only, but the Western states are showing similar stresses. I guess when we think of the other states, what are things, I mean both I guess on the mitigation side, but what are things that people in other states can be thinking of, whether it be mitigation, getting insurance? Yeah.

Robert Feldman:

What kinds of things? I’m very lucky to work with a lot of the different departments of insurance I’ve been able to work with. That’s great. I like to use Nevada as an example. Nevada and their department of insurance is not being reactive. They’re being proactive and they’re looking to make changes. Then very inviting for us to be able to come in there and work with them. Consumers need to realize that mitigation, though, to your point, going back to it in different states, it’s coming to the doorstep. The problems in California, they’re already in Park City, Utah and Aspen, Colorado and Ben Oregon and all these areas that are having problems with insurance, and so the mitigation’s going to be a key thing. There are companies like Burn Bot, really interesting. I have no ties to them any possible way, but I love reading about them.

Maiclaire Bolton Smith:

Interesting.

Robert Feldman:

They have a way of mitigating and burning areas, but into controlled burns and things of that nature. It revitalizes the soil and does all these incredible things, and so everybody out there needs to realize this is an all hands on deck, meaning this is not going to be just insurance companies anymore. It needs to more and more involve regulatory things. Cal Fair Plant is a great example. Every state needs its version of a cow fair plant. Every state needs a $3 million cow fare plan to allow the insurance companies to stack on top of, I mean, that should be a given across all the states. Consumers are needing to be involved just in mitigating risk.

If you have open exposed to eaves, they need to be closed, lean, clean and green is a program Cal Fire put through. That should be everywhere in Western United States.

Maiclaire Bolton Smith:

Interesting.

Robert Feldman:

And it’s just a lot of just great things where consumers, insurance companies and regulatory entities, we are all in this together.

Maiclaire Bolton Smith:

Yeah. We actually did a podcast in 2023 that looked at how the California Department of Insurance was instituting these mitigative measures and how they were going to impact things. So things like that are really, really exciting and interesting to see. And I guess ultimately leads to my last question is I like to say, if you look into your crystal ball, what does the future look like? And not necessarily in terms of wildfires are going to get stronger and more frequent, and I think we talk to our chief scientist about climate change and different scenarios of what will happen all the time, but more in terms of what does the future of the landscape of insurance and real estate for that matter look like in California in this rising wildfire rising, rising cost

Robert Feldman:

World? Well, if, and I keep saying that word, I shouldn’t say if, when we continue to build out with what the Wiles programs and a lot of the principles that are with Wiles is going to change the direction for insurance in the right way, first and foremost, spread of risk transferability. There’s a whole host of other things that we’re proposing as part of our program that we believe that multiple insurance companies are going to follow suit to be able to build into and be able to make it affordable for consumers, but at the same time profitable for insurance companies.

Maiclaire Bolton Smith:

I love it. I love

Robert Feldman:

It. It goes back to what we talked about in the very beginning. We need to make change. We’ve got to be creative and

Maiclaire Bolton Smith:

Inventive. Creative.

Robert Feldman:

You’re creative got to be. Einstein’s theory of insanity doesn’t work.

Maiclaire Bolton Smith:

I love it. No creative strategies to live in today’s world really is what we’re trying to do, and it’s really exciting and I’m so glad that you were here with us today. I guess one more question I have to ask, what’s the significance of Wows Insurance? Is it just like, wow, we’re doing something revolutionary?

Robert Feldman:

Yeah. We did it as really more of a way to get everyone to say exactly what you just said. When we

Maiclaire Bolton Smith:

Consumer, it gets your A consumers

Robert Feldman:

To trade shows. It catches everyone’s attention. Obviously, being in the industry for 25 years, you look for ways to market and to make sure people remember your name. We have people that walk across trade shows or want to ask, and the funny question I always get asked is, what does it mean? There is no meaning, but if I’ve got you thinking of the fact there’s a meaning, then I’m in your mind. You’ll remember it. It’s like the jingles of old in commercial. It’s great.

Maiclaire Bolton Smith:

Yeah. No, it’s fantastic and it definitely works, and this has been so great. Thank you so much, Robert, for joining me today on Core Conversations: A CoreLogic Podcast.

Robert Feldman:

Thank you. Thank you, thank you. Anytime you want me back, I’m here. You just tell me what

Maiclaire Bolton Smith:

Well, I am sure we will at some point get you back, and thank you for listening. I hope you’ve enjoyed our latest episode. Please remember to leave us a review and let us know your thoughts and subscribe wherever you get your podcast to be notified when new episodes are released. And thanks to the team for helping bring this podcast to life producer Jessi Devenyns, editor and sound engineer, Romie Aromin, our Facts Guru, Erika Stanley and social media duo, Sarah Buck and Makaila Brooks. Tune in next time for another Core Conversation.

Erika Stanley:

You still there? Well, thanks for sticking around. Are you curious to know a little bit more about our guest today? Robert Feldman is an insurance professional with 25 years of experience and whose specialty is insurance in fire zones and hard to place risks. Recently, Feldman co-founded Wows Insurance Services to deliver insurance solutions for homeowners who struggled to secure fire insurance in California. Due to his expertise, Feldman has been sought after as a speaker at the California Association of Realtors educating realtors about how to secure insurance for homes that are deemed uninsurable. Feldman serves on numerous task forces working with the senior leadership for many insurance carriers to solve the state’s current insurance crisis. Learn more about Wows Insurance services at www.wowsinsurance.com.

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Written by: Maiclaire Bolton Smith

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