The safer from wildfire standard and the wildfire prepared home standard would both identify the storage of those kinds of materials within the 0-5 foot zone as a hazard significant enough to not pass.

To you it may not seem significant but to a wildfire risk specialist, these are precisely the kinds of hazards were looking for.

The standards are high, but they are so for a reason. We're losing thousands of homes per season to wildfire.

Was it bad customer service to just drop him? Yes. Should he have the opportunity to mitigate? Absolutely.

But ignorance of your risk doesn't mean some one else is obligated to take the other side of that bet. I've said it a couple times else where. If insurance companies thought they could still be writing policies in California, they would. It's billions of dollars in annual premium they are passing on. They aren't doing so because, yes, storing tires against your house is significant enough of a risk factor to warrant non-renewal. Companies like State Farm would rather pull back entirely than accept the risk.