In this week's episode, Wally and Cindy talk about the California fires, what climate change means for insurance nationally, and what we can expect as things get more expensive and the weather gets more volatile around the country.  Welcome to House Talk with Wally and Cindy Kerr.  In this new podcast format, they'll be using their 37 years of experience and expertise in real estate to help anyone and everyone understand complex real estate concepts quickly and easily with bite-sized shows no longer than 20 minutes.  Catch new episodes of the show every Wednesday, and subscribe to get notified as soon as a new episode goes live.