California E&S Insurance

>cannot just charge people in higher fire risk areas 3X what they would charge people in lower risk zones to offset the increased risk. Because of this, the only way they can offset wildfire risk is by declining to cover new policies in these areas and dropping existing policies. I'm interested in what information you used for this statement. If carriers cannot charge 3x the rates if the expected costs are 3x larger, then that will lead to reduced availability of insurance, as you described. Is the CA DOI is not wiling to accept carriers' filings, or has the legislature passed laws that restrict rates? Is the plan to create or expand a state fund?

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