Guest Post By Kimberly Lilley, CIRMS, CMCA | Most of us have been impacted by the insurance crisis in California, and if we haven’t been impacted yet, we will be. California has billions of dollars of property that needs insurance, and as losses piled up between 2017 and 2022, carriers in CA tightened their underwriting criteria, limited the amount of property they would insure, or left the state entirely in order to stay solvent. This constriction in the insurance marketplace left many without affordable or adequate insurance, and too often, no insurance options at all.