We have FAIR. It’s not state-sponsored. It’s a state mandated syndicate of insurance companies (if you want to sell insurance you have to buy in). Every time

We have FAIR. It’s not state-sponsored. It’s a state mandated syndicate of insurance companies (if you want to sell insurance you have to buy in). Every time I interact with them, they find a new way to break the law. The big one is that they refused to pay for covered damage to our house. After fighting it for about a year, they sent us a lowball check that was less than 25% what they owed. Our premiums are 4-5x what neighbors with more expensive, higher risk houses pay.