I think it’s much simpler honestly: fires like these have been happening every year in California for the past hmm… at least 5 years, maybe more. Insurances are simply catching on and doing what any for-profit company would do in this situation, avoid losing money.
Yeah I said at least 5 years, cause I haven’t been here forever, and also it seems they’re getting worse in the last few years, though maybe that’s just my biased perception.