California E&S Insurance

> it's pretty much always going to end up with only the Government being big enough to handle it Government already tried this, it's called the "FAIR" plan and it didn't collect enough in premiums and did not have enough money to pay out all policyholders when the wildfires hit it's not a matter of scale, the fundamental math behind insurance will only get more expensive as the risk and frequency of climate change damage increase

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