Dear Insurance Commissioner Lara,
As you know, skyrocketing premiums and widespread policy cancellations are causing a home insurance crisis across California, especially in high risk wildfire areas like the Berkeley Hills.
We urge you to swiftly enact your new proposed regulations which enable insurance companies to properly price policies using catastrophic risk modeling -- and require them to properly take account of the home hardening and fuel reduction efforts by homeowners and communities. We also ask you to add Berkeley ZIP codes to the list of high wildfire risk areas where insurance companies must increase their coverage.
Your swift action can help stabilize the home insurance market.