LA Fires,
Insurance
Jun. 4, 2025
Surcharged and burned: Who pays for California's wildfires?
The outcome of Consumer Watchdog v. Insurance Commissioner Lara will determine not only who bears the financial burden of the next catastrophic wildfire, but also how much influence Californians retain over the rules that shape their insurance market.
In the wake of devastating wildfires in Los Angeles, two key bulletins issued by Insurance Commissioner Ricardo Lara--Bulletin 2024-8 and Bulletin 2025-4--have ignited a fierce legal and policy debate. These bulletins authorize insurers to recoup a portion of the California FAIR Plan's wildfire-related assessment costs by imposing temporary surcharges on their policyholders. The FAIR Plan, California's in...
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