California’s insurance companies are passing along the costs of the deadly Los Angeles fires to consumers, raising premiums, adding surcharges, and forcing them to subsidize the losses of the California FAIR plan.

The Palisades Fire and Eaton Fire of January 7 were among the costliest natural disasters in American history. Many residents believe they were preventable, at least in part — a sentiment reinforced by the federal government’s conclusion that the Palisades Fire began with arson, and by the efforts

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