An influx of natural disasters, mainly wildfires, have private insurance companies chalking up major losses. The increasing risk of damage they say is becoming too costly. The upshot is that’s been leaving some Colorado homeowners uninsured and scrambling for coverage.

We talked to Senator John Hickenlooper who pointed to a lack of work done over the past decade to address the greenhouse effect and climate change. Now, Colorado is reaping the costly impact of inaction. And while we can still move to stop climate change, homeowners also have to make changes.

Fireproofing your home will help prove to insurance companies that you’re worth covering. Prune trees and bushes, water your yard, remove wood fences, keep brush off your property, and add fireproof siding to your home.