by Phil Irwin | Oct 28, 2026 | Home & Wildfire Insurance
Every part of your home has a lifespan. How long does a roof last? About 20 years for asphalt shingles. A furnace, 15 to 18. A dishwasher, about 9. Knowing these numbers helps you budget for repairs, and in California’s tough insurance market, it also affects...
by Phil Irwin | Oct 28, 2026 | Home & Wildfire Insurance
When a California home burns, three numbers suddenly matter: what the home would sell for, what it costs to rebuild, and what the insurance policy will actually pay. Understanding replacement cost vs. actual cash value, and why market value is a different number...
