State lawmakers approved two measures Monday that would impose new requirements on insurers handling claims for homes tainted by smoke from wildfires. The bills direct companies to follow uniform procedures for evaluating and restoring such properties.
Under the proposals, insurers would continue covering temporary housing costs for policyholders until homes are returned to their condition before the fires and deemed safe for return. The changes aim to reduce prolonged disagreements over contamination levels.
Assemblymember John Harabedian, who represents areas hit by the Eaton and Palisades fires, noted that unclear guidelines have forced many residents into extended conflicts with their carriers over testing and repairs. He indicated that earlier standards might have allowed more people to resume living in their homes sooner.
The measures assign the Department of Toxic Substances Control responsibility for developing science-based protocols on lead, asbestos, heavy metals and other substances. Deadlines are set for the end of 2028 and 2029.
Groups representing insurers, real estate interests and utilities opposed the steps, contending that they bypass the California Department of Insurance and its existing task force on smoke-related claims. They warned of potential interference with ongoing regulatory efforts.
Harabedian countered that resolving disputes through clear rules could limit the large sums currently spent on litigation, which he said are already reflected in higher premiums. He expressed hope that greater certainty would benefit both policyholders and carriers.
The reporting on the legislation and related resident experiences comes from LAist. Renters near the burn zones have also faced pressure to reoccupy properties before full remediation, according to the same account.
This report is based on coverage by LAist: https://laist.com/news/politics/california-los-angeles-eaton-palisades-fires-smoke-damage-housing-testing-bill