What I don’t understand is why any and every insurance company does not pull out of the Oakland market tomorrow. My business is inspected by my carrier every year and my home every five years.
True, but I'd like to see if the building that burned even had a policy. If the Asian woman who owned it, owned it outright, she's under no obligation from a lender to carry fire insurance. Of course, now, even if she has insurance, the insurance company is going to take a powder because of her extreme negligence.