Marcel Houtzager figured it would be easy to find a new insurance company when the old one declined to renew his policy for Black Mountain Ranch. “No problem,” he told himself. “We’ll just go shopping. There must be lots of carriers.”
Sally Gale thought the same thing. Surely someone would cover her Chileno Valley Ranch and its lovingly restored Victorian farmhouse.
Carrier after carrier turned them down.
With climate-fueled disasters increasing, California property…