E105: Recovering After Disaster: The Realities of Homeowners Insurance - w/ Professor Ken Klein

Law professor Ken Klein explains why so many Americans are unprotected against natural disasters—and what happens when your home is gone and insurance falls short.

Guest Bio: Ken Klein is a law professor at California Western School of Law specializing in disaster recovery, insurance law, and housing policy.

Topics Covered:

• What standard homeowners insurance covers (and doesn’t)
• Flood vs. wind damage and the legal gray zones
• Why most people are underinsured and how to fix it
• The role of mortgage lenders and force-placed insurance
• Recovery timelines and psychological toll of losing a home
• Market speculation after disasters (e.g. Lahaina, Asheville)
• Government programs, last-resort insurance, and FEMA’s role
• Equity concerns for low-income and generational homeowners
• Policy reform challenges and why there's no quick fix
• Practical tips for homeowners to get better coverage

Watch the full episode on YouTube➡️https://youtu.be/W2vwJ2dpHIU

🎙 The Pod is hosted by Jesse Wright
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