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- the fair plan is expensive because they fund the properties that insurance won't fund. That risk pool is greater. There's a lot of examples of private money taking the low hanging fruit and leaving anything expensive for the public sector to take care of.
- These insurance companies have been taking premiums for years, and are now trying to weasel out of coverage to limit costs before an emergency happens. All benefit, no cost. That's not okay. If they're concerned about their bottom line, there's lots they can do - like limiting where they offer policies to only those areas within the urban limit line and excluding places built up in the hills.