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In the Next Wildfire, You Are Under-Insured

Professor Ken Klein

Most Americans think they are fully insured should their home burn down. Most want to be fully insured. And yet every time wildfire strikes, at least 80% of homeowners find they are at least 20% under-insured. This is bizarre. It is not a normal market when buyers are willing to pay full price for full coverage, think that they have paid full price for full coverage, but haven’t. This lecture will explain how it happens, why it happens, and how to fix it.

Instructor: Ken Klein is Professor of Law at California Western School of Law. His research, teaching, and community service include a focus on the legal/policy response to natural disasters. He lost his home in the 2003 Cedar Fire and, since then, has received a state-wide award for helping hundreds of other fire survivors. Klein received his BA (cum laude) from Rice University and his JD (with highest honors) from the University of Texas.

Coordinator: Mark Evans

Course Number: OSHR-70127   Credit: 0 units


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