How wildfires affect homeowner's insurance in California

Aaron Farmer is interviewed by CBS news 8 regarding how wildfires are affecting the cost of homeowners insurance.
How worried are you about a wildfire threatening your house? And how worried are you that that could force you to lose your homeowners insurance because of that danger?
It is happening to people here in San Diego. News 8's Steve Fiorina looks into this latest move by some insurance companies to discontinue people's coverage in California, including some who may be your neighbors.
Another dry summer ahead, brush fire fuel, plentiful, and insurance companies are backing away. We've seen the fury of massive wildfires tearing through many San Diego neighborhoods, lives lost, homes destroyed by the hundreds. The fires of '03 and '07 were particularly devastating here. In late 2019, several major insurance companies sent non-renewal notices to 235,000 homeowners considered in harm's way. That led to a moratorium for many zip codes, and that was extended last year. But not every Californian has been protected. Carol Frank received a letter like this one, her coverage was ending.
They just said, "You live in Scripps Ranch and it's a fire zone."
She wasn't happy.
Disappointed. I was angry. It takes a lot of energy to start getting new insurance again.
She reached out to her agent and signed up elsewhere, home, fire, auto, theft, the works.
And so, of course I bundled everything and left that insurance company because they were not loyal to me, so why should I be loyal to them?
Independent agent, Aaron Farmer understands what's happening.
Yes, it's a huge problem. In the last, some five years, you're talking about billions of dollars been paid out from insurance companies from San Diego all the way up to Sacramento, and the carriers just can't keep paying the billions of dollars, they also have to protect the people that they currently insure.
The state Department of Insurance isn't happy with a new landscape, urging homeowners with claims to reach out to that office
We deployed last year, even in the middle of the pandemic, to have people out helping people file their claims. And we have gotten tens of millions of dollars back for consumers in helping them to file their claim.
Coverage is available one way or another. Be patient, be persistent. Steve Fiorina, News 8.