Why Wildfire Is Breaking Insurance (and How to Fix It) with Kitt Doucette, Co-Founder, W.I.S.H.

Episode 149 — InsurtechTalk | Kitt Doucette (Co-Founder, Wildfire Insurance Solution Hub)Wildfire risk is no longer just a catastrophe event—it’s a systemic failure in how insurance understands, prices, and communicates risk.In this episode, Kitt Doucette breaks down why wildfire conflagration is fundamentally different from traditional fire risk—and why the insurance industry must treat it as its own standalone peril.From his background as a professional skier and journalist embedded with wildfire response teams, to building a next-generation insurance platform, Kitt brings a unique perspective on risk, resilience, and prevention.What we cover:• Why wildfire “conflagration” is a distinct and misunderstood risk• The failure of the current reactive insurance model• How FAIR Plans are distorting the market• Why insurers rely on models—but use them the wrong way• The core challenge of pricing prevention vs. reacting to loss• How technology can quantify mitigation (before vs. after risk)• The role of communities, HOAs, and homeowners in risk reduction• Why insurers should act as both incentivizer and enforcer• The case for separating wildfire as a single, insurable peril• WISH: building transparency between insurers and homeownersKitt also outlines how Wildfire Insurance Solution Hub (WISH) is creating:Parcel-level risk visibilityActionable mitigation strategiesA direct link between risk reduction and insurance pricingKey takeaway:Wildfire risk is increasingly manageable—but only if the industry shifts from reactive underwriting to proactive risk engineering.🎙 InsurtechTalk — conversations with founders, CEOs, investors, and operators shaping the future of insurance.Wildfire Insurance Solution HUBhttps://www.linkedin.com/company/wish-wildfire-insurance-solution-hub/