I’ll note that a large chunk of the burned properties depend on the state-run FAIR plan, which provides much weaker coverage (eg: not replacement cost) than private insurers. The FAIR plan also has limited reserves, which it will replenish by issuing an assessment on commercial insurers and their policyholders.
Good.
The following is going to sound scynical but perhaps when these blood suckers can no longer hold a profit from so many catastrophes pilling, the idiots start to lobby for preventive actions!