#RicardoLara
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rhutabhayga.bsky.social
California's homeowner insurance situation is critical.

I've just written this email to California Insurance Commissioner #RicardoLara, and my elected representatives. If you live in California, I urge you to send similar letters.
Dear Commissioner Lara, I am writing regarding a dramatic and unsustainable increase in insurance costs for our 4-unit residential property. Our annual premium has risen from approximately $2,300 to $9,000. While I understand that insurers are facing increased wildfire risk and rising reinsurance costs, the current regulatory approach appears to be shifting those systemic risks disproportionately onto consumers—without sufficient protections or accountability. Several issues are particularly concerning: First, fairness in pricing. Property owners with minimal or no claims history appear to be experiencing increases comparable to those of higher-risk properties. This suggests that responsible, low-claim property owners are being asked to absorb broad, system-wide losses rather than being evaluated based on individual risk. Insurance is supposed to reward risk mitigation and consistency. The typical homeowner has owned their property for over a decade (with median tenure of roughly 13 years), and approximately 65–70% of homeowners have lived in their homes for 10 years or more. These are stable, long-term property owners who have consistently maintained coverage and, in many cases, have minimal or no claims history. Sudden and substantial premium increases for this group suggest a growing disconnect between individual risk and pricing, effectively penalizing stability while shifting broader, system-wide costs onto those least responsible for them. Second, weakening regulatory guardrails. California has long maintained strong consumer protections under Proposition 103. However, recent changes—such as allowing forward-looking catastrophe models, incorporating reinsurance costs into rate filings, and accelerating approval timelines—appear to reduce oversight at the exact moment when premiums are rising most sharply. Third, lack of meaningful leverage over insurer participation. If insurers can reduce their presence or stop writing policies in California without meaningfu… Given these realities, I ask: • What specific guardrails are currently in place to prevent excessive or unjustified premium increases? • How is your office ensuring that low-risk, low-claim property owners are not disproportionately burdened? • What mechanisms exist to ensure insurers continue to participate in the California market in good faith, rather than selectively withdrawing while maintaining pricing power? • How is your office ensuring that external or global loss factors do not unduly influence premiums charged to California policyholders? • What immediate actions are being taken to address affordability—not just long-term market stabilization? • What specific, near-term actions is your office taking—and on what timeline—to address affordability for policyholders currently facing significant premium increases? At present, the balance appears to be shifting away from consumer protection toward insurer retention, without sufficient safeguards for those required to carry coverage. This situation has immediate financial consequences and long-term implications for housing stability across California. I would appreciate a substantive response outlining how your office intends to address these concerns. I have copied my state representatives on this correspondence given the broader implications for housing affordability and market stability. Sincerely, Johanna Siegmann CC: Assemblymember Rick Chavez Zbur; Senator Maria Elena Durazo
May 7, 2026 at 4:56 PM
stevemun.bsky.social
Get Ready for Higher Insurance Rates??? 😱

California Insurance Commissioner proposes new rules targeting Consumer Watchdog, the advocacy group that's challenged his decisions for years.
#CaliforniaInsurance #ConsumerWatchdog #RicardoLara #bayarealiving
September 27, 2025 at 7:25 PM
utamu.bsky.social
RicardoLara, CA's elected state insurance commissioner who led the drafting of the new rules, said the state was “in crisis mode” when it negotiated the new regs w/ 7 of the 12 top insurers in the state halting or restricting the writing of new policies in California."
November 2, 2025 at 7:49 PM
asthegirlturns.bsky.social
Thursday evening bromide, on @RedState.

CA Insurance Commissioner Ricardo Lara Used a Phony Campaign Slush Fund to Help Pay for Lavish Dinners redstate.com/jenniferoo/2... #California #RicardoLara #Insurance #Fraud #Incompetence #IntersectionalPolitics
CA Insurance Commissioner Ricardo Lara Used a Phony Campaign Slush Fund to Help Pay for Lavish Dinners
redstate.com
April 11, 2025 at 12:47 AM
frontpagestoday.bsky.social
"Single drivers penalized in insurance market"
By Laurence Darmiento

Los Angeles Times — Tuesday 4 August 📰

The report focuses on a legal challenge to insurance pricing models that charge unmarried drivers higher premiums, framed as a consumer…

thepaperboy.com

#California #RicardoLara
Today's Los Angeles Times front page
August 4, 2026 at 12:01 PM
California will require insurers to offer home coverage in wildfire-prone areas

https://www.theguardian.com/us-news/2024/dec/31/california-wildfire-home-insurance

#CaliforniaWildfires #HomeInsuranceCrisis #InsuranceMandate #WildfireProneAreas #RicardoLara
December 31, 2024 at 8:12 PM
charluv.bsky.social
#California insurance commissioner #RicardoLara has been accused of taking over 48 extravagant trips on the taxpayers’ dime that included First Class Flights Limousines & Safaris 🤷🏽‍♀️ ktla.com/news/califor...
ktla.com
October 3, 2025 at 2:05 AM
groundationmusic.bsky.social
Ah how refreshing that corruption is rooted basically anywhere. I have a feeling it's actually very acute here in California. This rat trashtard needs to go to jail. #californiacorruption #ricardolara
CA insurance boss found to have spent $30K on lavish meals: report
YouTube video by ABC7 News Bay Area
youtube.com
April 14, 2025 at 1:10 PM
biztoc.com
State Farm to stop offering property insurance in California
#cdi #californiainsurance #ricardolara #safer #wildfires #statefarm

➡️ Now on https://biztoc.com — https://ktla.com/news/local-news/state-farm-to-stop-accepting-new-property-insurance-policies/
May 28, 2023 at 1:28 AM
asthegirlturns.bsky.social
Meanwhile, in California. On @RedState.

CA Insurance Commish Ricardo Lara Bilked Taxpayers, Wrecked Insurance, Now Expects to Slide to Lt. Gov. redstate.com/jenniferoo/2... #RicardoLara #CAInsuranceCommissioner #GavinNewsom #TemuGavinNewsom #Fraud #SevenonYourSide #California
CA Insurance Commish Ricardo Lara Bilked Taxpayers, Wrecked Insurance, Now Expects to Slide to Lt. Gov.
California Insurance Commissioner Ricardo Lara misuses taxpayer funds and seeks higher office.
redstate.com
October 2, 2025 at 6:27 PM
moonraja.bsky.social
How is it allowed for insurance company to deny home insurance if you have a claim!
And that too for a partial fence!
And that too in a different state.

So are we just supposed to pay premium and never ask for coverage?

@cpsc.gov #Californiadepartmentofinsurance #tdi #ricardolara
January 6, 2025 at 11:16 PM
wenxuecity.nzcow.com
📢 南加大火引发的后续问题，正在逐步演变成一场前所未有的危机。如今，“赔还是不赔，赔能赔多少，赔的钱什么时候变成房子”，这些问题让洛杉矶居民正经历愤怒与恐慌交织的煎熬。根据此前加州保险专员RicardoLara发布的公告，自加州州长纽森（Gavin...
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南加大火 保险公司纷纷跑路 FAIR火险理赔上限仅… | 文学城
www.wenxuecity.com
January 13, 2025 at 10:11 PM