Your Home Your story reservation A member of the California Insurance Commissioner office speaks at the Santa Cruz County Board of Supervisors meeting – KION546

A member of the California Insurance Commissioner office speaks at the Santa Cruz County Board of Supervisors meeting – KION546

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SANTA CRUZ COUNTY, Calif. (KION-TV) – A representative from California Insurance Commissioner Ricardo Lara’s office spoke at the Santa Cruz County Board of Supervisors meeting Tuesday afternoon, amid several insurance companies that had written new insurance policies in California.

READ MORE: State Farm won’t allow some Californians to renew their home insurance policies starting in July

Several people who live in wildfire-prone areas in the Santa Cruz Mountains spoke about the importance of keeping State Farm and Allstate in the state.

The state has experienced nine of the 10 worst devastating wildfires in state history, according to a spokesperson for the California Department of Insurance.

Natural disasters and global inflation are straining the insurance market in every state. This leads to increasing rebuilding costs and labor shortages, making insurance companies harder to find and more expensive.

“I am also a fire survivor and we lost our home in the CZU fire. We rebuilt the most fire-safe home you can imagine, yet we still got canceled by insurance,” said a community member at the meeting.

The California Department of Insurance has developed a three-step system to help protect homes, the environment and the community.

This would provide consumers with discounts and transparency about their risk percentage.

According to the Department of Insurance, seven of the 12 largest insurance groups have halted or limited new business since 2022 despite the tariff costs.

“There have been hundreds of non-renewals of homeowners insurance and they are now terrified because they don’t see any other options,” said Santa Cruz County Supervisor Zach Friend. “Connecting to the State Fair Plan is very expensive and does not offer them. They now get the coverage they want and that is usually their only option.

The ministry is investigating but has not yet adopted catastrophic models that protect against natural disasters.

More and more businesses, homeowners and communities are investing in wildfire safety.

The Department of Home Insurance wants to return fair insurance owners to the traditional insurance market because it is the first resort, rather than the last, for many Californians.