I think it would be difficult to underwrite and calculate loss exposure in a State where:
1.). The state courts are whimsical and capricious about insurance laws and penalize the carrier.
2,). Where state laws change on utilities protecting their easements causing ever increasing risk and promoting utilities to allow potential problems that will spread.
3.) Where the state keeps water supply for fire fighting low.
4.) Where the state institutes policies forever driving up construction and replacement costs in a manner that cannot be reasonably forecast.
Why not sell policies elsewhere?
Yep, and my point is that they cannot say anything about it, because God knows what will happen to them, should they try.
5. In a state where forest fire fighters are BANNED from using gas powered chain saws.