I don't consider it redlining. California is dealing with the same problem most other states are. We've allowed for relatively unregulated construction in areas where people shouldn't build. Climate change is quickly showing the problem with that. Building a log cabin in a quickly drying forest isn't a good idea.
But, isn't your point that one of the reasons rates are so high for low risk homes is that California forces insurance companies to set rates by zip codes?
That sounds like California is imposing redlining. Maybe I haven't had enough coffee.
I don't consider it redlining. California is dealing with the same problem most other states are. We've allowed for relatively unregulated construction in areas where people shouldn't build. Climate change is quickly showing the problem with that. Building a log cabin in a quickly drying forest isn't a good idea.
But, isn't your point that one of the reasons rates are so high for low risk homes is that California forces insurance companies to set rates by zip codes?
Yeah but thatтАЩs not redlining.