California E&S Insurance

Of course.. there are bad actors out there and unscrupulous people looking to take advantage (see the 60 minutes episode about that Florida carrier). But for the most part, I would say that >95% of the people I come across in the industry (from underwriters, claims adjusters, fellow agents) are genuinely doing their best to do right by the policyholder. I see WAY more instances where a claim is paid in a gray area vs denied. Of course reddit does lean heavily to populism/socialist so for-profit insurance carriers are just the prototype of an evil corporation in their eyes. I mean look at these Cali fires. State Farm couldn't get the rate they needed, so they non renewed a TON of policies in the areas that are burning RIGHT now. That just shows they KNEW what they were doing. The math just doesn't work. But trying to explain any of that to a non-insurance person on reddit is virtually impossible. You get downvoted into oblivion. I find normal, non-redditor clients IRL are far more receptive to education on how it all works.

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