"Fortunately," the letter read, "State Farm is keeping your policy, but will exclude fire insurance." Now she had two policies: The California FAIR Plan for fire and State Farm for everything else.

Also see: Why all California homeowners could be on the hook for LA County wildfire costs Lara ordered the assessment on the FAIR Plan’s insurers after receiving a letter on Tuesday from ...

Ten victims of the Los Angeles fires have filed a lawsuit against the California Fair Plan, accusing the insurer of "bad faith" ...

“I nearly fell apart,” she said. Spira, a real-estate lawyer, fought back and the insurer, California’s Fair Plan, agreed her Pacific Palisades house was covered when the infernos sparked.