California FAIR Plan Association - Los Angeles, California

Joseph B.

Our house caught fire Saturday September 7th. All of our contents are ruined, we cannot live in our home. We have hemorrhaged all our savings and have had no direct contact with the fair plan. This has been the most awful experience of my life. I thought the fact we were forced to have the fair plan and it’s incredibly expensive rates that they would take descent care of us. That has not been the case. All I was hoping for is some attention, funds to give us a roof over our head and purchase some necessities before their adjuster was able to come out.

J B.

Los Angeles California born and raised. I have witnessed good and bad. Things usually do not surprise me, but sometimes I stand corrected.

California is the 5TH Largest Economy in the World (yes, the WORLD), with the technology that exists today, how can this organization be so unorganized? How is it possible that this entity could care less about the mental well-being of the people that depend on them? How is it possible that this entity cannot fathom the stress that's being caused due to their inability to provide answers? How is it possible that this entity cannot answer the phone? How is it possible that one remains on hold for over an hour to be disconnected? How is it possible that this entity could care less about the people it serves?

Got a letter from State Farm saying they were dropping insurance coverage. The letter arrived on Dec 27, 2024 with a cancellation date of Dec 31, 2024, and the letter was "dated" Nov 29, 2024.

Reached out to my Agent, signed us up for California Fair Plan. Since this time, have not been able to get a hold of a single person at California Fair Plan. These reviews were accurate, this place is horrible, but it's the only place you can go to get insurance if you're in a wildfire area, because insurance companies are dropping California.

Still as of the writing of this review, we are still without insurance, the wildfires are raging in proximity. I have gone out to buy pumps and hoses to pull water from pool in the event the fires come to my home, in an effort to provide some sort of protection in saving my family’s home.

I am hopeful, one day in the very near future, a governing body or person, will come in and overhaul California Fair Plan; fire every employee that does not want to work, fire every employee the seems to think there is not a need to serve, fire every employee that is simply disrespectful, and fire every employee that simply doesn't care! From there start over with people that will give a damn about their job.

Only if we had a DOGE type of organization in California. The Mayor of Los Angeles, all the way up to the governor of California need to be FIRED.

These people have their head up their ass so far, they've lost sight of the State and people they serve...

J B.

Dealing with the California Fair Plan has been one of the worst experiences of my life. I filed my claim related to the Eaton Fire and smoke damage 49 days ago, and have still not been informed about what they will cover or do to remediate the situation. Call after call, they tell us they will get us the information soon and then do not. I have filed a complaint with the California Department of Insurance, they have contacted Fair Plan, and still nothing.

I asked a representative from the California Department of Insurance if my case was unusual, and he told me that in the 9 years he has worked for the department, he has never heard a positive review of the Fair Plan.

If you are considering buying a house in California and would have to use the CA Fair Plan as we did because no other insurers would insure us (and we are in a regular area, not atop some mountain top or something) I would seriously think through what you will do when the FAIR plan isn't there for you.

The field adjuster that came out to our house said that he's confident there will be a number of class action lawsuits against the FAIR plan (keep in mind, this was someone that was hired BY THE FAIR plan). I think that says a lot.

Andaleeb F.

California fair plan has still not communicated or provided any support after the Eaton fire. We have fire, smoke and soot/ash damage and if it isn't repaired it will get worse. however we have not received ANY communication or support from California Fair Plan despite filing our claim almost 3 months ago - the DAY AFTER THE FIRE. We providided all informationa nd had a field adjuster come out 2 months ago. We pay so much for insurance and we have been abandoned and ignored in our time of need.

PianoCD T.

Horrible and corrupt program! I have no claims, and yet they raised their rates 2x (100%) on me on renewal! It is nearly impossible to contact them, it takes hours of hold on the phone, and then most agents don’t have a clue, unless you ask for a manager. They don’t reverse their decision or give discounts. It is a private plan, unlike many think, not a public one. They should be investigated by the FBI and antitrust commission, along with CA public/insurance officials, who allowed this lawlessness to happen, probably having some “incentives” to do so! I can’t wait to join a class action lawsuit against them.

row

No real stars as either good or bad... after all insurance companies leaving Carmel Valley... they are the only game in town. complaining about the rates is just dumb... there's no other player in this space... its our state assembly, insurance commissioner, and Governor that have failed us... my insurance went from $3500 AAA to 12,000... but what other options do we have... want change ? fire the entire state government and stop whining... lets hope we never have a claim. The housing has already been devalued by lack of coverage at a reasonable cost.

Pat C.

I was referred to Global Guard Services, Inc. by the Fair Plan for homeowner's coverage. In addition to the Fair Plan, they took money for a wraparound (DIC) but failed to pay the insurance company covering the DIC policy. My mortgage company had to step up and pay the bill. Global failed to return phone calls or put me on terminal hold when I asked for a refund. The Fair Plan needs to better screen these brokers so you don't end up with a bottom feeder broker like I did.

Rob

I owned my home in Altadena since 2001. My wife's mother owned it since 1963. The Fair Plan was the only insurance available for Mom and us. It was very reasonable. My heart hurts so much for my neighbors, a terrible tragedy for the community. My wife and I sold the home in 2019. Since then I can only assume the Plan is overwhelmed, and it was not meant to have so many policies. We moved to Nevada. The best choice we have made since getting married. No state income tax, no fires, no earthquakes. I pray that the pain of so many can be healed.