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Insurance

Jan. 2, 2026

Rebuilding California insurance law after the Palisades and Eaton fires

Daniel J. Veroff

Attorney
Merlin Law Group

Email: dveroff@merlinlawgroup.com

Veroff is a veteran of 15 of California's 20 most destructive wildfires in history and has handled numerous other types of property loss and business interruption claims.

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Rebuilding California insurance law after the Palisades and Eaton fires

The Palisades and Eaton fires incinerated the financial reserves of the California FAIR Plan Association, the state's insurer of last resort. The plan only sells insurance policies in fire-prone areas because the law says it must. The plan gets its funding from private insurance companies who choose to do business in the state -- the same insurers who were already leaving in droves. In October 2025, Gov. Gavin Newsom signed a legislative package that fundamentally restructures the plan...

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