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Homeowners are watching their fire insurance premiums triple — or losing coverage as insurers retreat from the market. Many are forced to rely on the costly California FAIR Plan, the state’s ...
The hikes would come from a potential assessment likely to be levied by California FAIR, the program set up by the state as the insurer of last resort for homeowners whose fire insurance has been ...
The Public Protection Classification (PPC) program, is a tool developed by the Insurance Services Office (ISO) for property and casualty insurers to properly assess their risk by rating fire protection services throughout the United States. [1]
Foxfire, also called fairy fire and chimpanzee fire, [1] is the bioluminescence created by some species of fungi present in decaying wood. The bluish-green glow is attributed to a luciferase, an oxidative enzyme, which emits light as it reacts with a luciferin. The phenomenon has been known since ancient times, with its source determined in 1823.
These are also the main factors to its pathogenicity. As the fruiting body continues to grow and obtain nutrients, it forms into a mature mushroom. Armillaria ostoyae in particular grows wide and thin sheet-like plates radiating from the stem which is known as its gills. The gills hold the spores of a mature mushroom.
Homes with wood siding or cedar shakes can be treated with fire-retardant chemicals, though in California, such treatments must meet standards set by the [California State Fire Marshall] 9https ...
The mushrooms produce spores that are wind dispersed, and through this method, new colonies acquire a fungal strain. [23] In some species, the genetic variation of the fungus is very low, suggesting that spores of the fungus are transmitted vertically from nest to nest, rather than from wind dispersed spores. [26]
In March 2024 State Farm, the largest home insurance company in California by market share, broke the news that it would nonrenew around 70,000 policies, 30,000 of which are estimated to belong to ...