California E&S Insurance

The condensed answer is that your proposal still misses that there is no single settlement to come, and no endless pot of money with which to fund these efforts. Instead there will be a rats nest of thousands of individual cases mixed between homeowers, renters, insurance agencies, utilities, government functions, and utilities. These cases are all effectively fighting for allocation of the same dollars, and it will not be enough to go around. The claws will come out, and then it's everyone for themselves. I want to be clear: Morally , do I expect my government to help rebuild, help existing residents return to normalcy as quickly as possible, and make the area more fire safe? Yes. Do I expect it to happen? Unsure, tending towards no, but if it does happen it will be slow enough that it will likely not help many people who lost their homes and are trying to immediately rebuild. The reality is that both government and court moves as a snail's pace and most people who are impacted will need to completely rebuild their lives in a new location long before real rebuilding starts, let alone finishes. Is there money to fund it? Not without creation of new tax revenue, or increased money flowing into the utility companies via rate hikes that are billed to the same customers who just had their homes destroyed. I highly encourage people to be legally and politically active on the topic. It's the only way there will be progress. I just don't personally hold a lot of hope for it and to speak frankly I think because of my professional work in related fields I'm better informed on this than the average person. If you want a good look at what comes next I'd encourage you to read existing research on post-disaster. There's a lot of it out there unfortunately due to Katrina, the Camp fire in paradise, etc. Here's a few things I've read over the years and point people to. This one is a REALLy good review of what works and what doesn't. "After Great Disasters: How Six Countries Managed Community Recovery" by Laurie A. Johnson https://www.lincolninst.edu/app/uploads/legacy-files/pubfiles/after-great-disasters-full_0.pdf The later two are offer good reviews of what actually happens after major catastrophes. The reality is often frankly depressing as hell. "Exploring the social legacy of frequent wildfires: Organizational responses for community recovery following the 2018 Camp Fire" By Catrin M. Edgeley https://www.sciencedirect.com/science/article/abs/pii/S2212420921007330 "Economic Recovery after Natural Disasters" by Sonali Deraniyagala https://www.un.org/en/chronicle/article/economic-recovery-after-natural-disasters?utm_source=chatgpt.com

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