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Homeowners who clear brush and harden their homes against fire are 75% less likely to have their homes burnt down and in order to save our communities and insurance companies money, we need to mitigate risks.

Harvey Rosenfield, author of proposition 103, says the law mandates that insurers justify and get state approval for home and auto insurance rate increases as well as treat customers across the board fairly.

Mileage creep is when insurance companies base your premiums on more miles than you actually drive. Consumer Watchdog advocates urge every consumer to look at the policy every time they get mail from their insurance company because you never know what they are hiding.

Harvey Rosenfield says insurance companies are using climate change as an excuse to create an artificial crisis in the marketplace.

Harvey Rosenfield says Insurance Commissioner Ricardo Lara needs to step in and enforce the law.

Even without issuing new policies a farm and Allstate are asking the state's insurance commissioner for massive rate hikes, 28% for State Farm and 40% for Allstate.

Statefarm is trying to pressure the insurance commissioner to approve a 721 million dollar additional increase in people's homeowner insurance premiums. 

Allstate joins 3 other insurers that have put a pause in their new policies including state farm, stating, it's just too expensive to ensure homes in California.

California's Department of Insurance states "The factors driving state farm's decisions are beyond our control, including climate change, reinsurer costs affecting the entire insurance industry as well as global inflation." but the founder of Consumer Watchdog says the commissioner does have the authority to force State Farm to reserve course.

Harvey Rosenfield says that if State Farm is allowed to get away with it and the insurance commissioner does not enforce the law, other companies will follow suit very quickly, and we'll have a serious consequence in the market.