California E&S Insurance

I'm convinced we have to stop insuring homes in PML locations. Like we build homes on the beach in hurricane zones and then are surprised when they're wiped out ever 5-10 years. Maybe don't zone that area as residential? As I said above, there's a ton of factors, and it's a complicated problem, but I feel like that would be a good start. The housing market here is insane. I do NOT understand how home prices can get, much less stay, this high.

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