State regulators' attempt to investigate the high cost and limited availability of homeowners insurance is facing challenges as some crucial states consider opting out of providing data. The National Association of Insurance Commissioners is seeking detailed information from insurers to understand how they treat customers and the factors affecting insurance affordability and availability. However, states like Louisiana, Texas, and Florida, which face significant climate risks, may choose not to participate, potentially leaving a gap in the understanding of homeowners insurance markets. Despite this, the effort is seen as a significant step forward in addressing the complex issues affecting the insurance sector.