"ST. HELENA, Calif. — Last September, a wildfire tore through one of Dario Sattui’s Napa Valley wineries, destroying millions of dollars in property and equipment, along with 9,000 cases of wine.
November brought a second disaster: Mr. Sattui realized the precious crop of cabernet grapes that survived the fire had been ruined by the smoke. There would be no 2020 vintage.
A freakishly dry winter led to a third calamity: By spring, the reservoir at another of Mr. Sattui’s vineyards was all but empty, meaning little water to irrigate the new crop.
Finally, in March, came a fourth blow: Mr. Sattui’s insurers said they would no longer cover the winery that had burned down. Neither would any other company. In the patois of insurance, the winery will go bare into this year’s burning season, which experts predict to be especially fierce."