Post-fire surveys and reports indicated that 70% or more of affected Palisades fire victims were underinsured or uninsured, with underinsurance (policies not covering full rebuild costs for high-value homes) the greater barrier to recovery than the total lack of insurance.
Private insurers (especially State Farm, California’s largest) had non-renewed thousands of policies in the area—e.g., ~1,600 by State Farm in July 2024 alone—pushing more homeowners toward limited FAIR Plan coverage or no coverage. Over 30,000 statewide.
It was a classic insurance death spiral in a high-risk area: rising dangers + regulatory limits → insurer exits → more reliance on inadequate backup options or none at all.
This left many unable to fully rebuild after the fire, exacerbating recovery challenges. The crisis has prompted regulatory changes, but affordability and availability remain major issues in wildfire-prone parts of the state.
The California FAIR Plan (Fair Access to Insurance Requirements) is the state’s insurer of last resort. It provides basic property insurance (primarily fire coverage) to homeowners and property owners who cannot obtain coverage from traditional private insurers, often due to high wildfire risk or other factors; however, getting approved is a bureaucratic nightmare.
Pratt lost his home and mailing address. He can’t safely stay most of the time in his trailer on his burned-out lot. The air is obviously dangerous; he can’t open his eyes or breathe. There is no water or electricity, so it must be too dangerous for kids. He is shuttling between his dad’s in Carpinteria and hotels. What a nightmare @spencerpratt ELECT HIM HE'S LIVING THE NIGHTMARE AND IS MOTIVATED TO FIX IT!!
Joe Biden, Kamala Harris, AOC and Democrats covered up the Epstein files for 4 years.
AOC at anytime could have used Joe Biden's autopen to release the files. She didn't, AOC chose to protect pedophiles.
AOC also voted NO to release congressional records of sexual misconduct. AOC protects predators in power.
Who do you think you're fooling?
The woman who falsely accused President Trump of raping her at 13 with the assistance of Jeffrey Epstein is now facing criminal charges for fraud, theft, and the exploitation of an elderly person.
@LoonyLovelyLuna@usefulidiots26@AOC Well I'm the same skin color as her, if not a shade darker and I know she needs to just STFU! Better, yet she can GTFO of her seat and let someone else run her district correctly
Oh my gosh, like, storming a church while they're totally having services to protest? That's so not cool, it can totally break the federal FACE Act, you know? It protects places of worship from, like, force or threats or blocking that messes with people's religious vibes. Plus, you could get hit with trespassing or disturbing the peace under state laws, fer sure. In Don Lemon's sitch, it's about disrupting that Minnesota church service on Jan. 18, 2026. Gag me!
@GovTimWalz Every American should be outraged by their rapes and murders and Democrats will not utter their names. Suck on a bag of Somali fraudster dicks you pathetic fuck. https://t.co/WLUKC1nqrc
🚨 BREAKING: The ICE agent who was hit by Renee Good in Minneapolis suffered internal bleeding in the torso following the incident, per CBS News, citing two U.S. officials
Now, indict Good’s “WIFE” for TELLING her to run over the ICE agent!
Say it louder for the idiots in the back, in the front and sides!! They need to be calling all the democrats in congress if you're so upset 🙄 Quit being so fucking lazy