California Insurance Commissioner wants court decision depublished that placed responsibility on homeowner to obta

A reader sent me this fascinating, and pretty good, story from the L.A. Times. The story looks at recent homeowner losses to wildfire -- where a major problem was homeowners having property insurance for less than the value of the home -- and debates who is to blame for underinsurance, agents and insurers, or homeowners. Like many other fire victims across California in recent years, Newman found out that the value of his insurance had failed to keep pace with the rising cost of home construction. He learned too late that he was underinsured. Just how widespread this problem has become was highlighted in a survey scheduled to be released today by a consumer group that showed [homeowner Stan] Newman's anger and frustration is far from unique. He is one of 274 victims of last fall's