Rate Increases California Insurance Market Flood Insurance State Farm Premiums Loss Estimates Market Trends Claims Process Wildfire Insurance Fraud Company Behavior Hurricane Impact Market Impact Rate Hikes Risk Management Policy Nonrenewals Underwriting Insurance Policies California Insurance Crisis Policy Nonrenewal Insurance Losses Insurance Market Regulatory Changes Natural Disaster Coverage Policy Changes Insurance Crisis Impact of Wildfires Insurance Regulation California Corporate Responsibility Policy Cancellations Natural Disasters Policy Cancellation