We kids would perch upon the shingle shed roof where my grandfather would dry his few errant Tompson Seedless for raisins from his Emperor vineyard outside Exeter, California, careful not to snag our swim trunks on the nails to watch the July 4th fireworks show in town—a perfect ending to family picnics celebrating Independence Day after World War II, a time when our nation’s history was rich with common sense. The lack of it today cannot be blamed on Climate Change.
The majority of California has been identified as a High Risk Fire Area while insurance companies have raised premiums to offset theirs, and PG&E’s, losses in Northern California during 2018’s continuous conflagrations. Today, fire insurance is either cost prohibitive or unavailable to homeowners and businesses that has impacted home loans and values, and subsequently the State’s economy. While fire fighters risk their lives to keep wildfires contained to protect these interests, we’re still selling fireworks even though the State’s population has more than tripled since 1955 to a more urban population that has little hands-on experience. The Emergency Rooms are proof enough.
California has many problems as people and businesses leave the State—new taxation annually and a Governor who can’t decide what he stands for as he heads to Washington to bolster Biden’s nomination, and should he fail, make himself visible and available.
It’s time for the non-profit service organizations, churches, Boy Scouts, etc. to stop selling fireworks as fund raisers, stop adding to the costs of our communities and look into drone shows or other means to celebrate Independence Day, it’s time to outlaw fireworks.
Due to calve this fall, these first calf heifers will be checked with ultrasound tomorrow morning. We introduced the Red Angus bulls in late December, and trust that most are bred judging by the activity since then.
An exceptional feed year, the grass is thick and a couple of weeks from ripening and turning brown as we prepare to wean our calves for market. It’s been our custom to cut firebreaks with the skid steer between our feed and Dry Creek Road. Last year we had eight arson sets that we were able to minimize with our 500 gallon water wagon. Fortunately, CalFire was able to identify and arrest the arsonists who are now in jail.
Despite our efforts and equipment, the ranch gets no discount for fire insurance premiums. Since PG&E was found culpable for the Northern California fires several years ago, we have found ourselves within the recently mapped High Risk Fire Area in California, and most all our neighbors have been dropped by insurance carriers. It seems apparent that PG&E’s losses and premiums have been spread out over the state. We are now investigating self-insurance for our home.
As a matter of business, insurance companies insure one another for catastrophic losses, and taken to the extreme, may in fact be one insurance company. Last year our insurance costs were 10% of our expenses, but unlike our other tangible expenses like hay and labor, we get only a little peace of mind in return at twice the price, if available.