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A particularly harrowing example comes from a California homeowner named Francis Bashet. After receiving a staggering renewal quote for his insurance policy—rising from $4,500 to $118,000 per year—Bashet opted not to renew. Seeking an alternative, he turned to California's FAIR Plan, but the requirement to trim trees near his property proved too costly. Consequently, he was left uninsured when his home was consumed by wildfire, facing the dreadful reality of complete loss without any means of recovery.