Deductibles are fiction for home owners insurance in California. After each of the recent natural disasters, the permitting departments dragged their feet, cau

Deductibles are fiction for home owners insurance in California. After each of the recent natural disasters, the permitting departments dragged their feet, causing years of delay before homeowners could rebuild. At the same time, the disaster created a construction labor shortage, and the price of construction increased 20-30% between the insurance payout and permit approvals. Stricter regulations are required. In particular, it should be illegal to block permits for equal or improved structures, and the insurance companies should be on the hook for the total cost of reconstruction/buying a new home up to the day the homeowner moves in (minus deductible).