Honestly the states on fire, literally and figuratively, at all times, but that’s okay, because at least I don’t have florida on my plate tbh, rampant fraud, lawsuits, hurricanes, flooding, and terrible oversight. It’s not even a political thing, like Louisiana deals with all the same issues and doesn’t have a collapsed insurance market. I’m surprised more insurers aren’t leaving or tightening guidelines to push people to E&S markets. Around hurricane Ian and in the wake of it a wave of insurers left the state.