When setting individual home premiums, California is requiring insurers to consider a building owner’s fire mitigation efforts, such as installing a Class A fire-rated roof, closing eaves or doing brush removal.

We met on the tree-lined terrace of a West Hollywood hotel, and as we spoke, a curious squirrel crawled closer on the eaves just a few feet away, determined to crash the interview.

Under the eaves of the Billie Jean King Main Library, a few unhoused people huddle.

A year and a half after a blizzard buried neighborhoods up to the eaves in snow, the Line fire is raging on the mountainside, torching thousands of acres and forcing communities to evacuate.

They include installing a Class-A rate roof, better vents, enclosed eaves and defensible spaces, among 10 specific actions that qualify for a discount.