California families deserve insurance systems that work, before and after disaster strikes. Insurance Commissioner Ricardo Lara is sponsoring AB 1680 (Make It FAIR Act), SB 876 (Disaster Recovery Reform Act), and AB 1795 (Smoke Damage Recovery Act), three critical bills that strengthen consumer protections, improve claims handling, and ensure wildfire survivors and high‑risk communities get the support they need.

What These Bills Do:

AB 1680 – Make It FAIR Act
  • Strengthens FAIR Plan claims handling
  • Expands and modernizes coverage options
  • Increases transparency and oversight
  • Ensures the FAIR Plan operates as a reliable safety net

SB 876 – Disaster Recovery Reform Act
  • Improves claims timelines and communication for disaster survivors
  • Strengthens consumer protections during recovery
  • Ensures insurers follow clear standards after catastrophic events
  • Reduces delays that leave families in limbo
AB 1795 – Smoke Damage Recovery Act
  • Health-driven standards for smoke damaged homes
  • Uniform insurance claims handling and restoration protocols
  • Health-based guidelines to determine when a home is safe for families to return
What’s next:
Once you sign up below, you will receive a draft letter of support. You’ll be able to personalize it and send it directly to your California State Senator and Assemblymember to voice your support for stronger disaster‑recovery protections.

Your participation makes a difference.
When lawmakers hear directly from consumers, it helps ensure that policies reflect real community needs, especially for families navigating the long road to recovery.

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