Triple-I: Cali insurers still feeling impact of 2017-2018’s 200%+ combined ratios

Wildfire losses for Californian home insurers in 2017 and 2018 brought their average combined ratio between 2013 and 2022 to 108.1 percent, according to the Insurance Information Institute, which said the industry must be able to set premium rates prospectively to price adequately.


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