California wildfires, compared to similarly forested areas elsewhere in the country, are more destructive because of ‘green’ forest management policy. They choose not to do things shown to reduce risk and size of wildfires elsewhere. And then when huge, expensive, fires result the California judicial system jumps all over any large pile of cash it can remotely blame. When the real blame, if any, belongs to Sacramento, its green lobbyists, and their federal government allies. The only business model that makes sense then is to exit the California market.
That is not the reality on the ground. Perhaps you need to see the terrain where the fires burn and how they are started and where the homes are—I know its a favorite sagying to blame Sacrtamento, and they do deserve some blame, but PG ane E also was to blame and sometimes it just is what it is...