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California Department of Insurance Cracking Down on Wildfire Underinsurance

In the past few years, the California Department of Insurance (“DOI”) has received thousands of complaints related to underinsurance. And it is starting to act.It has found misrepresentations and failure to pay claims against several insurers, as summarized below in their ongoing series of investigations, all titled “Following the Wildfires of 2015 and 2017.” While […]

FAIR Plan: Insurer of Last Resort Expands Basic Property Coverage

The California Fair Access to Insurance Requirements Plan Association or “FAIR Plan” was established by statute in 1968 to meet the needs of California homeowners unable to find insurance in the traditional marketplace. The FAIR Plan is a syndicated fire insurance pool comprised of all insurers licensed to conduct property and casualty insurance business in […]