Stop Illegal Delays and Denials

Los Angeles fire survivors and our elected leaders together demand that Insurance Commissioner Ricardo Lara enforce the law.

If you pay insurance premiums anywhere in California, this is your fight, too.

Add Your Name
See Our Detailed 5-Step Action Plan for Commissioner Lara
View of 2025 Eaton Fire from Koreatown

Delays

Delays

Underpayments

Underpayments

Underpayments

Underpayments Underpayments Underpayments

Denials

Denials

Denials

Denials Denials Denials

70% of insured Eaton and Palisades fire survivors report that delays, denials, and underpayments are derailing their recovery.

A lone palm tree stands against an orange-tinted sky heavy with wildfire smoke, creating an atmospheric silhouette that captures the environmental impact of the fire.

We Paid for Decades.
Insurers Walked Away.

When disaster strikes, Californians deserve one simple thing: timely access to the benefits we have already paid for in full. After the Eaton and Palisades fires, survivors instead face a second catastrophe: illegal delays and denials.

California already has some of the nation’s strongest consumer protection laws. The problem is lack of enforcement by Commissioner Lara.

Without enforcement, insurance fails as a safety net, and so does our recovery.

A firefighting aircraft drops bright red fire retardant from the sky against a backdrop of gray smoke clouds during aerial firefighting operations.
Multi-story residential buildings silhouetted against an orange and red sky filled with wildfire smoke. Palm trees are visible in the foreground, creating a stark contrast against the ominous fire-lit horizon.

Five Actions to Fix the System

Here’s what Commissioner Lara can and must do now:

  • Expedite the State Farm investigation and freeze rate hikes until survivors are made whole.

  • End illegal FAIR Plan smoke claim denials and underpayments

    so families can return to safe, livable homes.

  • Stop illegal cuts to temporary housing (ALE) benefits

    so families remain safely housed during remediation or rebuilding.

  • Require transparency in all loss estimates

    so survivors can verify what we’re owed.

  • Make the CDI complaint process transparent

    with monthly public data to hold insurers and regulators accountable.

Want the full scoop?

See Our Detailed 5-Step Action Plan for Commissioner Lara

Survivors and Our Leaders Unite

Assemblymember Harabedian hosts Senator Renée Pérez, Supervisor Kathryn Barger, Altadena Town Council Chair Victoria Knapp, and EFSN’s Joy Chen join together in an extraordinary press conference to demand that Commissioner Lara enforce the law. Watch now.

See the Press Release
See the L.A. Times article

Is This Happening to You?

Has your housing (ALE) been cut off early? Your smoke claim denied? Or your insurer simply stalled, underpaid, or ignored you?

Lawmakers assume survivors are getting what we’re owed — because that’s what insurers tell them.

To expose what’s really happening, we need your story.

Tell Us What Happened

Add Your Name.

Every signature helps us show Commissioner Lara that this matters. If you’ve faced insurer misconduct — or just believe in fairness — add your name now.

Real Families, Real Crisis

  • "Our family has been forced into a nomadic existence. We've slept in six places since the fire. State Farm has repeatedly denied requests for longer-term housing despite never responding to any of our remediation estimates."

    L.A. Fire Survivor

  • "Our credit cards are maxed out. We are literally going to be homeless."

    L.A. Fire Survivor

  • "State Farm insists that our destroyed, red-tagged home can be repaired."

    L.A. Fire Survivor

  • "Our claim has been reassigned to five different adjustors. Each time, we've had to start over."

    L.A. Fire Survivor

  • "When a company offers a service for a price, then delays, obstructs, and denies rightful claims, then it is a fraudulent enterprise."

    L.A. Fire Survivor

Help Spread the Word

Share this campaign with your friends and neighbors. Even one share can help build the pressure we need.

Here’s a sample social caption:

Illegal delays. Denials. Underpayments.
L.A. fire survivors are being cheated out of the insurance benefits we already paid for. It’s time for Commissioner Lara to step up and enforce the law.
Add your name: 👉 efsurvivors.net/stop-insurer-misconduct