MONETARY DAMAGES. CALIFORNIANS LIVING IN HIGH FIRE DANGER AREAS ARE FACING AN INSURANCE CRISIS. JEFF: COMPANIES ARE DROPPING THEM FROM THEIR HOMEOWNERS POLICIES ARE DRAMATICALLY RAISING THEIR RATES. INVESTIGATOR KRISTINE LAZAR IS WITH US NOW. TELL US WHAT’S BEING DONE. REPORT A LOT OF PEOPLE THINK THAT ENOUGH IS BEING DONE AND CONSUMER GROUPS SAY SOMETHING NEEDS TO BE DONE AFTER THE INSURANCE COMMISSIONER THE INSURANCE COMMISSIONERS SAID APPARENT IF THERE ARE NEW REGULATIONS PUT INTO PLACE THESE COMMUNITIES WILL UNRAVEL. REPORT OVER THE SUMMER GALE GOT AN UNEXPECTED LETTER IN THE MAIL. HER INSURER WAS DROPPING THEIR POLICY UNDER CALABASAS HOME. GAIL WAS EVACUATED DURING THE WOOLSEY FIRE. I HAD TO HURRY UP AND FIND, TRY TO FIND NEW INSURANCE. PART OF DEALS THAT ALTHOUGH ONE COMPANY REFUSED TO COVER HER HOME. THREE DIFFERENT AGENTS FOUND THE SAME INSURANCE COMPANY IN SCOTTSDALE. IT’S THE ONLY ONE THAT WOULD ENSURE THE HOUSE AND THEY WANTED $28,000 A YEAR. REPORTER: GAELS ONLY ALTERNATIVE WAS THE CALIFORNIA FAIR PLAN A LAST RESORT INSURANCE FOR CALIFORNIA HOMEOWNERS. THE PLAN ENSURES UP TO $1.5 MILLION LEAVING GAIL AND HER FAMILY UNDERINSURED. I WAS TOLD BY EVERY INSURANCE COMPANY IT WOULD TAKE AT LEAST 2.2 MILLION TO REBUILD THE HOUSE. REPORTER: THERESA LIVES IN WOODLAND HILLS AND WASN’T EVEN IN AN EVACUATION AREA BY GUNMAN ON RENEWAL LETTER FROM AAA. THE INSURANCE COMPANIES HAVE USED GOOGLE PICTURES TO TAKE AERIAL PHOTOGRAPHS OF THE HOUSE. REPORTER: TELLING HER THEY WOULDN’T WOULD ENSURE HER WITH MATURE TREES HANGING OVER HER ROOF, TREES THAT HAVE BEEN THERE SINCE SHE MOVED IN. ACCORDING INSURANCE THE WILDFIRES SAW 10% INCREASE IN NON-RENEWALS LAST YEAR. THAT AMOUNTS TO NEARLY 35,000 HOMEOWNERS IN L.A. COUNTY AND 3500 IN VENTURA COUNTY. INSURANCE COMPANIES WANT TO ENSURE EVERYONE IN THE MIDDLE OF THE CITY WHERE THERE IS NO FIRE AND THEY DON’T WANT TO ENSURE PEOPLE LIVE IN THE HILLS. REPORTER: JAMIE IS THE PRESIDENT OF CONSUMER — THEY SENT A LETTER TO THE INSURANCE COMMISSIONER LAST MONTH. WE BELIEVE THERE’S A LOT THE INSURANCE COMMISSIONER CAN DO NOW TO PREVENT DISCRIMINATION FROM PEOPLE LIVING IN A HIGH-RISK AREA. CALIFORNIA HOMEOWNERS ARE JUST FACING NUMBER KNOLLS SUMMER SEEING THEIR RATES DOUBLE EVEN TRIPLE FROM THE FIRE. JOE HOROWITZ GOT HER RENEWAL LAST MONTH. I OPENED IT AND IT SAYS 208% WILDFIRE INCREASE. REPORTER: SHE IS LIVE IN A CALABASAS HOME FOR 24 YEARS. SHE’S A SINGLE WORKING MOM. I’M PAYING ALMOST $7000 TO MY HOMEOWNERS. REPORTER: HER BROKER HAD AN IDEA. YOU MIGHT WANT TO CONSIDER DOWNSIZING SELLING YOUR HOUSE. THAT IS CRAZY. A STATEMENT TO US COMMISSIONER SAID HE’S BEEN LEADING THE EFFORT IN THE ISSUE AND THE LAW DOESN’T ALLOW HIM TO SIMPLY STOP THOSE RENEWALS. AS FOR INSURANCE COMPANIES THE INDUSTRY SAID THEY HAVE DROPPED PEOPLE AND RAISE RATES BECAUSE THEY LOST BILLIONS DUE TO THE WILDFIRES. CRITICS SAY THE INSURANCE COMPANIES ARE STILL MAKING LOTS OF MONEY AND THIS ISN’T NECESSARY. WITH CRITICS SAY WHAT WE SHOULD BE DOING IS SAYING TO THE PEOPLE WHO LIVE IN THE HIGH FIRE AREAS SIMILAR TO WHAT WE DO IS DRIVING DISCOUNTS IF YOU ARE CLEARING THE BRUSH, IF YOU ARE TAKING STEPS TO MAKE YOUR HOUSE FIRE SAFELY WHILE RAISE YOUR RATES OR DROP YOU. THEY AREN’T DOING THAT. THEY ARE SAYING THAT WOULD BE THE FAIR THING TO DO. YOU CAN’T JUST DROP PEOPLE SIMPLY BECAUSE OF WHERE THEY LIVE. PEOPLE WORK HARD FOR THEIR HOMES SARA: CAN “2 ON YOUR SIDE” HELP YOU? HE MEL “2 ON YOUR SIDE” AT CBS.COM AND TELL US ABOUT YOUR