Across California, homeowners living near wildlands face a growing crisis. Due to the high risk of wildfires, insurance companies have become unwilling to offer them coverage. This leaves thousands of families and their properties unprotected from potential disaster.
To address this issue, the state government introduced new regulations. The goal was to force insurance companies to sell more policies in high-risk areas. If they wanted to do business in California, they couldn't just serve the safest communities.
However, a recent investigation revealed that the new rules have serious flaws. Clever insurance companies found ways of circumventing the spirit of the law. For example, they can use their total number of clients across the state to justify avoiding specific fire-prone regions.
As a result, the promised relief has not materialized for many. These communities remain just as vulnerable as they were before the regulations were passed. The struggle to find affordable and reliable home insurance continues for the people who need it most.