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Government regulations driving up prices.
CA not protecting against fire
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You forgot about CRIME (which CA, like the fires, doesn’t attempt to stop)
Def. placed @ the foot of (as usual): G-O-V-T
>People are not as ethical. Padding claims such as roof replacement
Maybe? I mean, have you SEEN the cose of a new roof these days? Had mine redone in FL a decade ago (simple ‘L’ - one valley): $13k. I can’t imagine the cost TODAY.
You’d have to have to be in cahoots w/ the roofers to get the invoice+ jacked to even be able to ‘pad’ any/all such claim (!= normal wear/tear)
There are a lot of people getting settlements for “hail” damage.