S1E28 - Wildfires, Insurance, and the California Crisis: What Homeowners Need to Know with Daniel Gonzales-Hatton

California’s wildfires aren’t just destroying homes, they’re reshaping the entire insurance market. As insurers pull out of high-risk areas, homeowners are facing rising costs, coverage gaps, and new challenges. In this episode, Meghan McNulty sits down with property insurance professional Daniel Gonzales-Hatton to break down what’s happening and what you can do about it.

They discuss why insurance companies are retreating from California, how the FAIR Plan works (and its limitations), and why trusts and LLCs can complicate claims if not handled correctly. Daniel also shares what homeowners should do before disaster strikes, including reviewing policy limits, working with brokers, and ensuring the right entities are listed on insurance documents.

If you own property in California—or just want to understand the shifting insurance landscape—this episode is packed with insights to help you protect your home and financial future.

About Meghan’s Guest Daniel Gonzales-Hatton is the Agency Owner at Goosehead Insurance, a nationally recognized independent agency founded in 2003, specializing in residential property coverage for homeowners, realtors, and loan officers. With extensive industry experience, he provides tailored insurance solutions that ensure seamless transactions and comprehensive protection.

A trusted resource in California’s evolving insurance market, Daniel helps clients navigate coverage challenges, regulatory hurdles, and complex ownership structures such as trusts and LLCs. His commitment to education and transparency empowers both consumers and professionals through workshops, informative content, and one-on-one consultations.

Beyond his work, Daniel’s passion for travel and adventure brings a well-rounded perspective to his client-focused approach.

Lean more - www.gooseheadinsurance.com Contact Daniel - [e-mail] CA License # 0K45577 AZ License # 17707678