For the homeowners who have to build a new home over the land that once held their own home, please choose your builder carefully.
Nothing is guaranteed, but buffers, roofs, and fire resistant double walled materials should help. Battery operated smoke and carbon monoxide alarms are critical. This state (HI) is full of unqualified, shoddy contractors. As bad as the bandits who work out of Florida. My neighbor's new pool leaked, and the contractor had to be called back three times. Find out who works for Oprah or Jason Mamoa. Use da best.
It's often difficult to afford "the best." How much over-engineering can you afford when a fire of this magnitude has never happened in Hawaii before? How much will insurance premiums be after you rebuild? Can you even find insurance that'll cover replacement cost for a "survivable" home design?
Oprah and Jason can afford the best. Cost is not a concern for them.
Easy to give advice on what others should buy, but insurance settlements on losses in this disaster will not rise to the level that can fund what you're proposing.
It's reality versus "in a perfect world" thinking.
Things like smoke detectors are common in Hawaii as they are required by law. Carbon monoxide detectors are not as common because most do not have central heating furnaces or gas appliances. Cost of those measures are affordable, so it should be left up to individual household needs.
I agree the majority of people doing work as contractors are sub-par, but that's a problem everywhere. Even longtime, reputable roofers can hire no-so-bright employees.
I had some facia boards on the 2nd story of my house that were rotted, and since I was having the roof replaced, I asked them to take care of it. The replacement boards should have been connected at a 90 degree angle -- so two boards cut at 45 degrees. Pretty simple, huh? What i got was two boards cut at around the same 22.5 degrees so the long sides of the cut didn't touch making a "V". To "fix it", the guy used globs of roofing adhesive to plug the "V" with a triangular shape -- basically making a 3-sided beveled corner, like if you'd put the two board together correctly then cut off the point! Only, it didn't look that good. It was sloppy with wide spaces where the plugs met the facia.
I showed the roofing co. owner, and he laughed saying, "Well, we don't hire rocket scientists!" Seemed inappropriate, since I would think basic carpentry skills are not "rocket science" to most people. He then hired a real carpenter to repair their work, and at my request used the longest boards available (30 ft?) to avoid excessive joints around the roof. The first guys bought 8 ft boards, leaving a lot of obvious seams.
I hate having anyone work on anything at my house. Anything bigger than I am willing to tackle costs $10K - $20K, has a 3 month lead time to get started, and always winds up with "errors."
Another example was a wooden fence that was rotted and finally fell down. I replaced it with vinyl. What I wanted was the same as on the other side of the house: 6' tall with solid panels up to 4.5', then lattice inlay at the top. When finished, the vinyl lattice was all jagged where it had been cut. I asked the installer, and his response was, "I didn't have the table saw we normally use because it was at another job site. So I used a Skil saw." i refused to pay the second half of the installation until they replaced the buggered-up sections. About 4 years ago, those lattice sections deteriorated, even though there's a lifetime warranty on the fence. Couldn't call the installer, because they are out of business. So, I went to HD, bought the lattice I needed in 4x8 foot sheets, and used a 10" vinyl-rated circular saw blade. Did the entire side of the house so the lattice matched, and it looks 10 times better than the installer's job.
Then there was the vinyl gate. Different company -- same results. They measured the opening, installed the gate, and left. When I checked, they had made the gate too narrow, leaving a 2-inch gap on the latch side. When they came beck out, they said, "you can just add a 2x4 to that concrete column and fill the gap." OMG! Now it's my job to half-ass correct their screw-up? When they called up asking when I would be making final payment, I said when they bring a gate stretcher out to fix the gate. They wound up bringing a new properly sized gate.
That's not even all the problems with the fence, but you get the message. i'd rather have my house in ruins than pay someone to fix what's needed. The stress of dealing with crappy workmanship is worse than just taking care of it myself. At least if it's wrong, I didn't pay the outrageous labor cost.