How to fix California’s self-inflicted homeowner’s insurance crisis

J.D. Tuccille : California 's raging home insurance woes are a result of climate change.

He says the insurance crisis is a self-inflicted wound, one suffered when residents and regulators turned a once-competitive market for insurance into a command economy in which insurers are increasingly unwilling to operate.

Tuccillille: The market for home insurance can be improved if Californians are willing to address their regulatory problems.

Proposition 103 will have to be repealed.

California committed in 2020 to treating 500,000 acres of forest land per year, but it has only met about a fifth of that goal.

State 's expensive restrictions and delays on constructing new homes in desirable areas push settlement into higher-risk areas.