Residential property insurance: home hardening.

CA AB1986 aims to enhance residential property insurance by promoting home hardening measures. This means encouraging homeowners to take steps to make their homes more resistant to damage, especially from wildfires and other natural disasters. The bill seeks to add specific provisions to the Insurance Code that would support these efforts.

Supporters of CA AB1986 would highlight the bill as a proactive approach to protecting homes and communities from the increasing threat of wildfires. They would argue that by incentivizing home hardening, the legislation not only safeguards property but also potentially lowers insurance costs in the long run, benefiting both homeowners and insurers.

Critics of CA AB1986 might argue that the bill places additional burdens on homeowners by mandating costly improvements for insurance coverage. They could also express concerns that the focus on home hardening may distract from broader solutions needed to address the root causes of wildfire risks and the overall housing crisis in California.