Can’t speak for every insurer but CalFAIR does. There’s been a large push to have homeowners install those improvements over the last five years but they’re relatively minor like clearing brush around the house and installing vulcan vents. They don’t give a big enough discount to justify the expensive improvements that would really help in this Altadena fire like installing concrete tile roof, stucco exterior, or an exterior sprinkler systems. That kind of retrofit would probably cost at least $100k for an old house like most of the ones up there. The minor measures don’t help in a freak event like these Santa Ana winds.