In California, many people live in homes near big forests. These areas can be beautiful, but they are also dangerous. Wildfires are a big problem. Because of the fires, it is very hard for homeowners to get insurance to protect their homes.
The government saw this problem. They made new rules for insurance companies. The rules said that companies had to help more people, especially those in fire zones. Everyone hoped this would fix the problem.
But the insurance companies found ways around the new rules. The rules had loopholes. This means the companies could follow the rules on paper but not really help everyone. They could still avoid selling insurance in the most dangerous areas.
So, the problem is not solved. Many families in California still cannot get the insurance they need. The government's promise of help was not fully kept, and people are still worried about their homes.