Regulators in California made it difficult for insurers to raise rates despite increasing risks. So the insurers stopped writing policies, which is logical. But they'll get blamed and shamed anyway.

A Pacific Palisades, CA, home miraculously survived a deadly wildfire that tore through the upscale oceanside community, only to be split in half by a landslide a week later. Striking photos show the light-blue home overlooking the Pacific Ocean in the 17400 block of Castellammare Drive cleaved in two,