MORRISON, J.
At issue in this case is the validity of an insurance regulation promulgated in response to a perceived crisis in the availability of homeowners insurance due to the adoption of underwriting guidelines known as "use it and lose it," under which insurance coverage was lost due to filing a claim or even making an inquiry about coverage. John Garamendi, in his capacity as Insurance Commission of the State of California (hereafter Commissioner), and the California...
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