Flood Insurance Rate Increases California Insurance Market Claims Process Wildfire Insurance Loss Estimates Market Trends Premiums Risk Management Policy Nonrenewals 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 Corporate Responsibility Policy Cancellation Company Behavior State Farm Underwriting Policy Cancellations Natural Disasters Fraud Hurricane Impact Rate Hikes