[DoreenMichele]

For the record, I never suggested that fire season was a code word for climate change. Just that fires are getting worse, fire hazard is being cited as a factor in this decision and I can't help but wonder if the thing not being explicitly spelled out is that this longstanding risk of post-earthquake fires is looming larger in the minds of insurance company decision makers because of this changing context.

It doesn't require any conspiracy theories or intentional deceit for people to start going "Oh. X thing. That's too much risk." without them thinking to explicitly state "...because the context has changed since my dad or grandad founded the company, so the risk he felt ok with now feels like too much risk to me."

People often don't spell everything out when talking about an issue. Humans are routinely kind of blind to their own implicit assumptions and the need to communicate them.