⚡ Key Takeaways
- Reinsurance pricing cycles drive OC wildfire-edge premium volatility in 2026
- CDI Sustainable Insurance Strategy now allows reinsurance costs in California rate filings
- Quote validity windows have shortened to 7–14 days in OC wildfire-edge ZIPs
- Re-shop at every renewal — auto-renewal is structurally disadvantageous in 2026
- Carrier-appetite status for your specific ZIP is the layer national platforms most often miss