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Fair Plan says new policy language, claim reviews will address smoke-damage disputes
Summary
Fair Plan officials told the Assembly committee they revised policy language after litigation, pay covered smoke damage under California law, and have reopened and reviewed closed claims where appropriate; they described practical limits (cleaning vs. replacement) and steps to process reopenings case-by-case.
Fair Plan leadership told the Assembly Insurance Committee they have updated their policy language on smoke damage and are reviewing previously closed claims in light of litigation and Department of Insurance guidance.
Victoria Roach said the Plan’s policy requires a direct physical loss for coverage. Roach said the department recently approved new policy language that removes a discarded “sight and smell” test the courts had…
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