Lawmakers Demand Insurers Justify Stringent Payout Requirements for Wildfire Victims
California Senator Adam Schiff and 15 members of the state's Democratic congressional delegation have called on major home insurers to explain their claims policies, which have left 70% of wildfire victims still displaced. The lawmakers' letter, sent to State Farm General, the California FAIR Plan, and other insurers, criticizes the requirement for victims to itemize material losses and provide receipts, a task deemed impossible for many who lost everything. The letter questions whether these demands violate state insurance codes and consumer protection laws. The FAIR Plan, criticized for its limited coverage, has seen increased enrollment as insurers withdraw from fire-prone areas. The plan's policies cover fires but not other common perils, forcing policyholders to seek additional coverage. 
