The increase in the cost of fire insurance is hitting the working family through no fault of their own. Many can’t afford the massive increases and for many the added costs are crippling budgets and hurting the state economy.  We the people of California petition the Governor to allocate emergency funds to reimburse all those that have had premium increases over and above the CPI inflation index. We also request the insurance commissioner to negotiate and regulate insurance companies to resume underwriting in fire prone areas with reasonable and if necessary subsidized rates.