California refused to carry out basic forest management.

State officials were warned about the dangers of not clearing out brush for decades.

Everyone who could do anything about it knew California was a tinderbox, and that massive fires were PROBABLE, and that water would not be available. The governor and the state legislature did nothing.

But the insurance companies acted on it. They canceled fire coverage in many areas and notified the insured.

All of the properties were worth millions each. The properties are the retirement wealth of many of the victims. How many lines of credit are based on the value of the properties?

To the government and the residents it was an acceptable risk.

It continues. The fire cannot be contained.