加利福尼亚州因气候变化和严格监管 面临着房主保险危机 California grapples with a homeowner's insurance crisis due to climate change and strict regulations.

加利福尼亚州面临严重的房主保险危机,气候变化和严格的州法规加剧了危机。 California faces a severe homeowner's insurance crisis fueled by climate change and strict state regulations. 气候变化增加了野火风险,而规章则限制了保险人调整费率的能力,导致费用上涨和保险人离开市场。 Climate change has increased wildfire risks, while regulations limit insurers' ability to adjust rates, leading to higher costs and insurers leaving the market. 参议院第429号法案提出了公共灾难模型,以更准确地评估风险并提高透明度。 Senate Bill 429 proposes public catastrophe models to assess risks more accurately and promote transparency. 专家们认为,监管改革对于稳定保险市场和确保可负担性至关重要。 Experts argue that regulatory reform is crucial to stabilize the insurance market and ensure affordability.