The comment above you was not denying that climate change exists. It was criticizing a misleading title. The insurance industry would absolutely say that the California wildfires were an outlier event, even if there is a trend of increased damage overall.

Both things can be true.

1/ totally misleading title

2/ the fires in CA drive the outlier

3/ insurance has already largely pulled out of los angeles. For example there are maybe 2 reliable insurers for 2-4 unit landlords in the fourth largest economy in the world (why discuss landlord insurance? same style of building but a higher duty of care)

More people living in high risk areas + big increases in costs for building supplies and labor + higher building code standards for new construction + higher costs for planning and permitting all also contribute to rising insurance premiums or insurers just deciding to leave an area.

They aren't offering coverage because the state is disallowing premium increases.

It's a government caused shortage via price fixing.

Government policy has significant impacts on the probability of total loss events, such as wildfire or flooding.

Climate change is a really good excuse for insurance companies to raise premiums... people just shrug their shoulders and say "what are you gonna do?", then pay the new premiums.

Some of what insurance companies say may be true, but quite a bit of it is not. Funny how we don't believe health insurance companies but we'll take property insurance companies for their word.

Governments control budgeting and staffing for first responder units, they control training budgets, they control responses. While climate change may be impacting some of these events, they should never spiral into massive total loss events like as-of late.

I trade this risk for a living. I price for risk and that risk is real. It really doesn’t matter what you call it. It’s in the loss data and it is trending up.

They're not denying the existence of the risk, they're pointing out that a significant portion of the risk is specific policy decisions by the current administration.

Due to government failures... That's the point.