California wildfire insurance, earthquake insurance coverage, homeowners insurance mistakes, and property insurance gaps every homeowner should understand. Most homeowners think their policy covers everything until disaster happens. Then they find out wildfire damage, flood risks, and earthquake protection work very differently. Frank Nappi from Farmers Insurance in Santa Rosa explains how missing coverage creates costly problems. From wildfire claims to earthquake policies, he shares what homeowners need to know before it is too late. After nearly a decade building his agency in one of California’s highest-risk regions, Frank has seen how fast situations can change when policies are not properly structured. Chuck Claypool and Frank also discuss agency growth, trust with clients, and why real conversations still matter more than AI in insurance.  ...