Fires move fast. Politicians are trying to move faster.

There's at least some good news if you're a Californian who lives in a fire-prone area: You won't lose your homeowners’ insurance policy for at least another year.

It's been another record-setting year with more than 4 million acres burned in the state. And while thousands of people have lost their homes or their loved ones, millions more homeowners have faced a potential loss of coverage or increase in premiums. In 2019 alone, insurers dropped more than 235,000 homeowners from their policies, and many of those who weren't dropped are paying 3-4 times more than they previously were in premiums.

The newest moratorium issued by State Insurance Commissioner Ricardo Lara replaces the old one that was due to expire in a few weeks and will give homeowners at least a bit of a break, but what happens next?

Nearly everyone agrees "hardening" structures against wildfires and building more eco-friendly homes are important parts of the solution, but for people facing the possibility of fires right now, change can't come soon enough.