After a disaster, Californians deserve timely, fair treatment from their insurers — not months of bureaucracy when they’re trying to rebuild their lives.

Priorities:

• Simplify claims and reduce trauma:
  Build on SB 495 (“Eliminate the List Act”), a law I authored to require higher upfront payments for personal property coverage, ensuring survivors aren’t dragged through the mud itemizing every lost possession.
  
  

• Enforce FAIR Plan accountability:
  Ensure compliance with Insurance Commissioner orders, especially regarding smoke damage claims, and strengthen oversight of the FAIR Plan. That is why I supported AB 234, a new law that reformed the FAIR Plan Governing Committee to ensure some of the people’s representatives have a seat at the table.
  
  

• Transparency and responsiveness:
  Require insurers to clearly explain claim denials and maintain real-time reporting of delays and outstanding claims post-disaster.
  
  

• Resilient rebuilding:
  Encourage and expedite rebuilding that meets new fire-hardening and community safety standards, ensuring affected residents can rebuild smarter and safer. We must learn the important lessons from previous disasters and invest in stronger communities. I will work with academics and other state agencies to develop resilient, low-risk rebuilding guidelines that all communities can adopt before a disaster strikes, so that if the worst does occur, everyone knows the path forward. We can then explore a statewide policy to ensure that communities are better prepared for disasters before they happen and have a road map to follow once they do.