No, only my anecdote. The state is offering significantly reduced coverage for more than double the cost of previous coverage. Getting the state plan still requires you to get additional private coverage in order to satisfy mortgage insurance requirements. I think it would be impossible for a layman to just give you "evidence" that will fit whatever arbitrary checkbox is formally needed. I cannot fathom a way the state isn't profiting here and both the state and insurance companies are exposing homeowners to incredible burdens.

Now you frame this like I am too high risk or people in this capacity are too high risk, but that is the whole problem. Insurance cos are inconsistently making these determinations and the state's governance is directly responsible for the lack of regulation and enforcement. Nothing in my area has changed, but the insurance company has enacted the equivalent of ex post facto evaluation due to the state of CA. As example, my roof in great condition, passed inspection when purchase property a few years ago. I don't have certificates or invoices for repairs done to it in the 50 years of my home's life because I've only owned the property for a few years. The insurance company canceled my insurance stating I refused to provide such an invoice. They also claimed I'm now in a dangerous fire zone (I'm not) which I wasn't a year ago. They also claimed to need invoice of repairs for my plumbing, which again, is in wonderful condition. They stated simply providing inspection receipts wouldn't cut it and expensive certificates were needed. Anyways, I doubt you will read this but it's ridiculous and I'm not the only one in this state going through it.