California insurance officials are taking legal action against the state’s last-resort wildfire insurance provider, accusing it of illegally denying or limiting smoke damage claims from homeowners.

U.S. states have set up insurers to provide protection in disaster-prone areas that private insurance has avoided. They are taking on more risks as calamities become widespread.

The FAIR Plan, California’s last-resort insurance program for homeowners needing fire coverage, is seeking approval for steep rate hikes averaging 35.8%, though some policyholders could actually see ...

The FAIR Plan is California’s “insurer of last resort,” a state-mandated syndicated insurance plan that offers basic property insurance to those who cannot obtain insurance from a traditional carrier.

LOS ANGELES - A Los Angeles Superior Court judge ruled that the California FAIR Plan’s smoke-damage policy directly violates state law by denying coverage for clean-up and remediatons, a very ...

The Department of Insurance ordered the state’s home insurer of last resort to answer allegations that it has handled smoke damage claims illegally. Advocates for policyholders have questioned why it ...

In the closing days of the legislative year, California lawmakers sent Gov. Gavin Newsom a bill that is meant to toughen scrutiny of the state’s embattled fire insurer of last resort by insisting that ...