Across the country, insurance companies have withdrawn coverage or raised premiums in areas threatened by climate-fueled disasters. Forte said state insurance regulators have put out a call for data from insurance companies, seeking to get a clearer sense in the coming weeks of the scope of damage and policy claims. “Insurance companies tend to be opportunistic when calamity happens,” said Doug Heller, director of insurance with the Consumer Federation of America, a research and advocacy nonprofit. “What broke the (California) insurance market is the urban fires,” Forte said. Forte, with the insurance commissioner’s office, said it will take some time to determine the disaster’s effect on the state’s insurance market.