California FAIR Plan Under Fire for Denying Smoke Damage Claims
September 16, 2025
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Despite a court ruling and regulatory sanctions, California’s insurer of last resort, the California FAIR Plan, continues to deny smoke damage claims from homeowners affected by the January wildfires. According to a Los Angeles Times review of denial letters, policyholders have been denied coverage for smoke damage, drywall removal, insulation replacement, and other building materials even when testing revealed toxic contamination inside homes (LA Times).
