I'll look into it, but I figured as much... insurance is a win-win game (for the insurance companies, not the insured!). Make a claim, customer gets dropped or rates go up. Many claims statewide due to weather patterns (like we had a couple years ago) - raise everyone's rates. Invest the revenue from premiums - bad investments lose money? No problem, raise everyone's rates some more!
I don't believe the state insurance commission has any real power either - they do whatever the big underwriters want them to do. Another tail wagging the dog.