stephanie: buckwalter says she contacted 25 different providers.iting policies in our area. >> we are continuing to push the envelope when it comes to forcing these insurance companies to be accessible. stephanie: in february, the california insurance commissioner proposed a regulation that aims to prevent this. >> that will mandate 100% of all insurance companies have to give california consumers discounts for hardening their home. it is the only way we will be able to bring down the risk so that californians can keep their insurance, keep it affordable. stephanie: if approved, it will go into effect by the end of the year, bringing benefits aside from mandating discounts like requiring that insurance companies provide consumers their property's risk score.tha. critics argues not as pretty as the press release. >> it is a big loophole. stephanie: people like the o'briens and talkwalters are still not getting insured. >> that is a huge loophole that can swallow its promises. stephanie: the executive director of consumer watchdog says, while the reg

stephanie: buckwalter says she contacted 25 different providers.ut -- >> none of them were providing policies in our area. >> we are continuing to push the envelope when it comes to forcing insurance companies to be accessible. stephanie: in february, the california insurance commissioner proposed a regulation that aims to prevent this. >> that will mandate 100% of all insurance companies have to give california consumers discounts for hardening their home. it is the only way we will be able to bring down the risk so that californians can keep their insurance, keep it affordable. stephanie: if approved, it will go into effect by the end of the year, bringing benefits aside from mandating discounts like requiring that insurance companies provide consumers their property's risk score. and the ability to appeal that score. the reality is not as pretty as the press release. >> it is a big loophole. stephanie: people like them are still not getting insured. >> that is a huge loophole that can swallow its promises. stephanie: the executive director of co

people like the o'briens and the buckwalter's are still not getting insured. >> that is the loopholeation sounds good on paper it does not tell the whole story. >> there are two parts of the insurance transaction. one is insurance companies decide if they will sell you coverage and second they decide what price they will charge you. this regulation addresses price but it does not address the question, whether or not you will get a policy at all. reporter: insurance companies are not required to consider mitigation steps when deciding whether to sell a policy. residents living in areas of high fire risk may be left unprotected. a former commissioner was not renewed by his carrier despite spending tens of thousands of dollars on mitigation. just like these families. >> i don't know anyone that has been able to get insurance. reporter: both say they are only left with one real option. >> looks like we have to go through the california fair plan. reporter: it is the insurer of last resort. providing insurance for homeowners unable to find insurance in the marketplace. >> it is confusing.