Everett puts the onus on people who are not trained or competent to set policy limits. They and countless California homeowners who will be impacted by future wildfires and other natural disasters will be irreparably harmed by the continued publication of the Everett decision. Everett v. State Farm ignores long held California law and has already begun to exacerbate the problem of underinsurance. This court should depublish the opinion so insurers cannot use it to shield themselves from fulfilling the promises made to their insureds.
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