Older article from October, but it has a map tool that you can input your zip code and get an idea of what your FAIR plan rate increase will be.
I got dropped by AAA last month as they said my risk was based on my zipcode, there as nothing I could do to change the risk and they would not renew me. im on Farmers now. I got a letter from Farmers a few days back that said my wildfire risk was zero and that I dont pay any extra for a perceived wildfire risk. Hmmmmm
That is absolutrly laughable.
Whats so comical or sad is that they are allowed to determine risk on zipcode. So AAA dropped me i went to farmers, they use a 3rd party risk professional call Verisk. They said my home had zero wildfire risk. Cant make this stuff up.
In California’s varied climate—especially in wildfire-prone areas—smoke, ash, and fine particles can accumulate in ductwork, making cleaning more useful after heavy fire seasons. For most homes, duct cleaning every 5–7 years is sufficient, unless specific issues arise sooner.
Assembly member Harabedian Introduces Legislation to End Insurance Driven Fire Testing and Establish Science Based Safety Standards
The Wildfire Environmental Safety and Testing Act, calls for the California Department of Toxic Substances Control to develop and specify the new standards, shifting power away from insurance companies and toward a public-health agency.
From the Assembly members website.
https://a41.asmdc.org/press-releases/20260127-assemblymember-harabedian-introduces-legislation-end-insurance-driven-fire
Other stories, like from the NYTimes are better but are behind a paywall.
Who Decides When a Home Is Safe? A California Bill Says Science, Not Insurers.
Following a Times investigation, a state lawmaker is proposing the first health-based standards for assessing smoke contamination after wildfires.
Read the full article.
Decision coming soon on the largest rate hike in a long time for Homeowners
I get the feeling there releasing a lot of propaganda to lube us up for the big rate increase.