Don't know about the legal aspect, but the harm described is on point.

My son and family of six lost their home in the Palisades.  (Prayers to all families who lost their homes 🙏) Prior to this Summer their home was fully insured to its full replacement cost value.

My son would have vastly preferred that @ICRicardoLara would have granted State Farm their requested rate increase rather than lose his private insurance at full replacement cost value.

@ICRicardoLara of course did not do this, with the consequence being that my son and 1,600 of his fellow residents were left with Fair Plan as their sole option.  

The problem with Fair Plan is that the insurable limit maxes out at $3MM.

Many homeowners including my son's family are invested at greater than $3MM (not FMV, actual cost).

All these homeowners have now lost millions of paid-in equity because @ICRicardoLara disallowed State Farm from raising its rates by thousands.  This decision by @ICRicardoLara has now cost these homeowners millions.

We live in the stupidest state, run by the stupidest people like @ICRicardoLara and many many others.

And now we need to imagine a go-forward world in which homeowners who were under insured against their will and lost millions in paid-in equity owing to @ICRicardoLara 's stupidity, need to decide whether to rebuild knowing that their new rebuilds will be similarly under-insured they day their homes are finished.    How's that going the affect rebuilding and recovery?