Kaya Stanley, CEO of the California Restaurant Mutual Benefit Corporation and insurance industry expert, tackles the pressing insurance crisis fueled by California's wildfires. She reveals how these devastating fires are leaving many homeowners struggling to find affordable coverage or facing cancellation of their policies. The discussion highlights the complexities within the insurance market, the challenges of rebuilding after disasters, and the fairness of protections for underinsured residents. Stanley emphasizes the critical need for reform and federal support amid rising premiums.