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In Dunmoyer's view, the number of California homeowner underinsurance complaints brought to Insurance Commissioner John Garamendi since the October wildfires represents a problem with the system, but not a crisis. Garamendi's Crisis in Coverage underinsurance hearings are a culmination of those complaints. Fears of price gouging, recent Senate bills and the role of insurance companies in the underinsurance debate are a few of the many complex issues discussed.