There are many emerging issues in the insurance market that have become more prevalent following COVID-19. Initially the issues were within the life and health insurance sector; however, in recent years there has been a notable increase in other sectors of insurance, with property and casualty being one of them. Following 2020, 2021, and 2022 losses, many property and casualty companies had to reassess where they were at and what losses they would be willing to take on. As reserves began to grow thin and severity began to rise, insurers and reinsurers began to investigate ways to combat the rising cost of insuring their policyholders. Even though this is an issue nationwide, the recent shifts in the California insurance market will be the scope for this dissection. This deeper look into the hardening market will provide greater insight to the issue at hand, as well as potential solutions for this market and insurers alike in the upcoming years.