I think few insurers can actually do any of that, let alone a new one when the question is larger calamities. They all have to buy from reinsurers which have a

I think few insurers can actually do any of that, let alone a new one when the question is larger calamities. They all have to buy from reinsurers which have a lower limit of what they would charge that may be considerably lower than what they are able to charge given how few reinsurers can play with large risks. For the consumer insurer its more like looking at a commission and guessing whether it will go up again as other market participants decide what to do.