California E&S Insurance

The “manufacture value” point is key. In this cycle, appreciation isn’t bailing out loose underwriting anymore. If the deal only works because you assume a perfect resale or rate drop, it’s not a deal — it’s hope. On the ADU side we’re seeing the same thing: projects still work, but only when utility runs, setbacks, fire separation, and permitting timelines are underwritten realistically upfront. The spread disappears fast if you’re guessing. It’s not dead — it’s just disciplined now.

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