The article you linked in the OP mentions that California does allow for insurance companies to raise rates more, it just needs to get approval - and large increases have been approved before. So while it can definitely be argued that the process may be unnecesarily burdensome for insurance companies, they're still choosing to pull out instead of going through the process of raising rates. (I have no idea if the same might be true for Florida, your article focused on California.)
It sounds like you have some problems with how California is choosing to handle home insurance and that's fair. But from an insurance industry viewpoint I think it's worth pointing out that this is a nationwide issue and I've heard of similar problems of people getting non-renewed all over the country. California and Florida are just the biggest examples. ([Here's a reference for that.](https://www.nytimes.com/interactive/2024/12/18/climate/insurance-nonrenewal-rates-policies-state-map.html))
How the government should intervene is a huge question, but while that's being figured out I think people are right to want insurance companies to do more for their customers than is currently happening.