Big changes are coming to California’s insurance world. A judge just ruled against the FAIR Plan, the state’s fallback home insurance option for high-risk properties. What’s it all about? Smoke damage. And this decision could shake things up—for both homeowners and insurance companies. The Ruling That Changes Everything The issue? How the California FAIR Plan handles smoke damage claims. The judge ruled their approach was illegal. Why? Their policy limited smoke damage claims to only what they called “direct physical loss.” Basically, if the damage wasn’t visible to the naked…
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