I don't think weather is a protected class, so you can discriminate against actuarially sound weather issues.
You can't discriminate against people though.
Its also not a P&C issue, it is true in life and health as well.
If you make house calls selling life and someone calls you from Harlem and wants you to come over to sell a life policy, if you work that area, you pretty much have to go. You can set the hour though, but its not cool to turn down the appointment if you would accept it except for where it is.
Yes, carriers can either rate or deny certain business classes by filing with the DOI. Don't want coastal risks? Tell the DOI why and they will allow it. On the other hand, you can't take coastal risks in one zip code and not in another, unless there is an accepted actuarially sound reason.
