Former "evil insurance executive" turned founder Andrew Engler explains how his new venture, RockRose Risk, is using an $80 billion problem to create a massive opportunity for homeowners and businesses. He breaks down why the traditional insurance market is failing, how 1000% premium increases are actually a signal for systemic change, and how RockRose is providing massive discounts to those willing to harden their properties and manage local fuels.

In this episode, you'll learn about:

• The 35% Discount: How RockRose works with 16+ global carriers to give money back to clients who perform verified mitigation.

• The Insurance Rabbit Hole: A look into the complex world of reinsurance, retrocessionaires, and why local rates are often dictated by global models.

• Infrastructure vs. Climate: Why Andrew believes wildfire is primarily a failure of infrastructure management, not just a weather problem.

• The "Tylenol Murder" Fallacy: A critical look at "security theater" in disaster prevention versus addressing core vulnerabilities.

• Pro-Entropic Business: Why the next generation of successful companies will be those that become more valuable as environmental volatility increases.

• The Fire Quadrangle: Steve and Andrew discuss the physics of suppression—from removing fuel to breaking the chemical reaction.

• Privatizing Results: A controversial look at shifting from a "time and materials" firefighting model to a "performance-based" model like SpaceX or FedEx.