
California Fire Legal Updates

September 15 - Lawmakers Push for More Oversight of FAIR Plan
California lawmakers passed a bill to increase oversight of the FAIR Plan, the state's insurer of last resort, which currently faces lawsuits and state action over the improper denial of residents’ smoke damage claims from the January wildfires.

September 8 – FAIR Plan Still Denying Smoke Damage Claims Despite Court Ruling
The Los Angeles Times reports California’s FAIR Plan continues to eject smoke damage claims from January’s fires, despite losing in court and facing state sanctions.

September 5 - Gov. Newsom Pressures FAIR Plan on Smoke Damage Claims
Gov. Gavin Newsom urged the California FAIR Plan to speed up and fairly process thousands of smoke damage claims from the January Los Angeles wildfires.

August 28 - CSAA Insurance Second Major Home Insurer This Month Pursuing Rate Hike
CSAA Insurance, California’s fifth-largest home insurer and provider of AAA-affiliated coverage, filed for a 6.9% homeowners rate increase — the second major insurer to do so this month following Mercury’s 6.9% rate hike.

August 25 - Fire Victims Push for Stronger Insurance Enforcement
Frustrated by delays and denials, Eaton Fire victims and local lawmakers are demanding that California Insurance Commissioner Ricardo Lara take stronger action against insurers.

August 20 – Eaton Fire Bellwether Trial Set and Lead Exposure Claims Highlighted
California Fire Victims Law Center Co-Founders Kiley Grombacher and Bryan Aylstock share key updates on the Eaton Fire bellwether trial schedule and new claims to protect children exposed to lead.

August 18 - California Passed Bill That Guarantees Interest on Escrowed Insurance Payouts
California homeowners recovering from catastrophic losses, including the January wildfires, will now be guaranteed at least 2% interest on insurance settlement funds held in escrow by mortgage lenders.

August 15 – Mercury Seeks Home Insurance Rate Increase Under New Reforms
Mercury Insurance filed for a 6.9% average rate increase, reportedly becoming the first company to use California’s new catastrophe risk modeling system to set wildfire-related pricing.


August 13 - Eaton Fire Cases Move Toward Trial and Plaintiffs Must Act to Protect Their Claims
California Fire Victims Law Center Co-Founders Kiley Grombacher and Bryan Aylstock offer important updates and advice for Eaton Fire victims pursuing legal action.

August 1 - FAIR Plan Hit with Legal Action Over Smoke Denial Pattern
Following years of mounting complaints and a 2022 investigation, the California Department of Insurance has filed formal legal action against the FAIR Plan for allegedly violating insurance laws and wrongfully denying smoke damage claims.

July 30 - Governor Newsom Proposes $18 Billion Boost to Utility Wildfire Fund
A new report from Bloomberg News reveals that Governor Gavin Newsom is pushing legislation to add $18 billion to California’s Wildfire Fund — a move aimed at supporting utilities like PG&E, Edison, and Sempra as wildfire claims continue.

July 23 - Edison Announces Compensation Program, Sparking Concerns Over Fair Payouts
Southern California Edison announced plans to launch a Wildfire Recovery Compensation Program this fall for Eaton Fire victims, but some attorneys are warning the offer may leave families with far less than they could recover through legal action

July 21 - California FAIR Plan Growth Highlights Insurer Policy Restrictions
The California FAIR Plan has seen rapid growth in 2025, now covering more than 590,000 homes — a rise driven largely by private insurers pulling back.

July 17 - Senator Schiff Proposes Federal Program to Protect Homeowners from Insurance Losses
According to Spectrum News, in response to the ongoing wildfire insurance crisis, Senator Adam Schiff is reintroducing the INSURE Act, a bill aimed at protecting homeowners in high-risk areas by creating a federal reinsurance program.

July 14 - Many Wildfire Survivors Still Displaced Due to Toxic Smoke and Insurance Delays
A recent report from Spectrum News highlights that thousands of Southern California wildfire survivors remain displaced nearly six months after the Palisades and Eaton fires—not because their homes burned down, but due to toxic smoke damage and slow insurance responses.

July 10 - State Farm Check Delay Raises Alarms Among Fire Victims
A disturbing new report from CalMatters revealed that a nearly $900,000 insurance check issued by State Farm to an Eaton Fire victim was delayed due to the bank’s concern over insufficient funds in the insurer’s account.

July 9 - Amended Lawsuit Alleges City Missteps Worsened Palisades Fire Damage
An amended lawsuit filed on behalf of over 3,300 Palisades Fire victims included new claims that the City of Los Angeles and its Department of Water and Power (DWP) failed to take proper steps to prevent or lessen the damage from the Palisades wildfire.

July 2 - Multi-State Investigation Targets Widespread Underinsurance After Wildfires
Following mounting complaints from wildfire victims, including many from the Eaton and Palisades fires, California and four other Western states have launched a joint investigation into underinsurance.

June 26 - Court Rules FAIR Plan's Fire Policy Violates State Insurance Law
The Los Angeles County Superior Court has ruled the California FAIR Plan’s fire insurance policy does not meet the minimum coverage standards required under state law.