Lowball: What Fire Survivors Want You To Know About Insurance Claims

Published on

As of June 2025, all 165 standing homes from which testing data has been collected by the resident-led coalition Eaton Fire Residents United showed elevated levels of lead for which professional remediation was recommended.

Another resident-led organization, the Eaton Fire Survivors Network, submitted hundreds of testimonials to the insurance commissioner describing State Farm’s failure to meet its claims obligations to policyholders after the fires. Of the 51 smoke damage testimonials included, every single one cites problems with the company refusing or underpaying claims for testing and remediation.

And a survey recently conducted by the New York Times of Eaton and Pacific Palisades fire survivors, with more than 500 responses, found “a majority of those whose homes were still standing reported that their insurance companies had declined to pay for testing.”

Read the rest of the report here.

Justin Kloczko
Justin Kloczko
Justin Kloczko follows tech and privacy for Consumer Watchdog. He’s a recovering daily newspaper reporter whose work has also appeared in Vice, Daily Beast and KCRW.
Latest Insurance Videos
Video thumbnail
KRON 4: Mercury and CSAA Insurance Raising Rates
02:28
Video thumbnail
To The Point with Alex Bell: California's Insurance Crisis
01:06
Video thumbnail
KXTV-SAC (ABC): California's Insurance Crisis
04:05
Video thumbnail
Spectrum News 1: Property Insurance Struggles After LA Fires
04:52
Video thumbnail
Eaton Fire Survivors Anniversary Press Conference 1/7/26
01:21:37
Video thumbnail
KTTV-LA (FOX): Harden Your Home To Protect It From Wildfire
01:03
Video thumbnail
KTVU FOX 2: New insurance Laws In 2026
03:27
Video thumbnail
Spectrum News 1: Palisades Fire Rebuild Insurance Concerns
05:53
Video thumbnail
Wildfire Survivors Press Conference 11•06•25
32:31
Video thumbnail
Spectrum News: Eaton Fire Survivors Call For Ricardo Lara To Resign
01:58
Video thumbnail
ABC7 News: New Calls For Insurance Commissioner To Resign
02:40
Video thumbnail
NBC News: Fire Victims Ask State Insurance Commissioner To Resign
01:54
Video thumbnail
Fox 11: Wildfire Survivors Demand State Insurance Commissioner To Resign
03:26
Video thumbnail
KTLA-LA (CW): Ricardo Lara Accused Of Siding With Insurers Over Homeowners
00:58
Video thumbnail
KCRA News: Fire Victims Want Insurance Commissioner To Resign
00:53
Video thumbnail
ABC10 To the Point with Alex Bell: Calls For Ricardo Lara To Resign
03:32
Video thumbnail
ABC10: Calls For Insurance Commissioner To Resign
01:13
Video thumbnail
Wildfire Survivors Call on Insurance Commissioner Lara to Resign
32:31
Video thumbnail
KCAL CBS: Consumer Watchdog President Discusses Problems With California’s Home Insurance Market
06:03
Video thumbnail
KCAL Mornings: CA Homeowners Face Surcharges To Help Recoup Costs From January Wildfires
00:38
Video thumbnail
CBS News Bay Area: CA Fair Plan Proposes Rate Hike For Home Insurance Coverage
03:53
Video thumbnail
KTVU Mornings: CA Fair Plan Proposes 35.8% Insurance Rate Hike
04:44
Video thumbnail
KCAL Mornings: Proposed Insurance Rules Under Criticism
05:33
Video thumbnail
ABC7 News: AI Energy Toll Could Be Passed Onto Consumers
02:08
Video thumbnail
Consumer Alert: Insurers That Newsom Said Were Returning Never Left California
02:49
Video thumbnail
CBS 8: Are Insurance Rates Really Better?
02:51
Video thumbnail
KMPH-FRES (FOX): Major Insurance Companies Returning
01:32
Video thumbnail
KMPH-FRES (FOX): Ballot Measure Takes Aim At Insurers
00:38
Video thumbnail
CBS 13 News: Home Insurance Ballot Initiative
00:24
Video thumbnail
KFMB SD CBS San Diego, CA: Rate Hikes Filed Under Insurance Reform Plan
02:26
Video thumbnail
KFMB SD CBS San Diego, CA: Rate Hikes Filed Under Insurance Reform Plan
02:26
Video thumbnail
KOVR-SAC (CBS) - Sacramento, CA: Proposing An Insurance Change
02:28
Video thumbnail
KXTV-SAC (ABC) - Sacramento, CA: Fair Plan Fee Lawsuit Scaled Down
01:08
Video thumbnail
KTVU-SF (FOX) - San Francisco, CA: State Farm Asks Judge To Seal Documents Justifying Rate Hike
04:31
Video thumbnail
Spectrum News 1 - Green Bay, WI: Grappling With Loss In LA 6 Months After Devastating Wildfires
03:41
Video thumbnail
KTVU (FOX): Tips On Getting Smoke Damage Claims Paid
04:31
Video thumbnail
KTVU-SF (FOX): Pro-Homeowner Bills Moving Through CA Legislature
02:30
Video thumbnail
Spectrum News 1 (San Fernando Valley) - Los Angeles, CA: State Farm In The Hot Seat
03:09
Video thumbnail
KTVU-SF (FOX) - San Francisco, CA: Insurance Department Investigation
02:37
Video thumbnail
KCBS-LA (CBS) - Los Angeles, CA: Home Insurance Crisis
05:32
Video thumbnail
KCAL-LA - Los Angeles, CA: KCAL News Special: Home insurance Crisis
07:04
Video thumbnail
KCAL-LA - Los Angeles, CA: KCAL News Special: Home insurance Crisis
09:59
Video thumbnail
KGTV-SD (ABC) - San Diego, CA: Homeowners To Get Surcharge For LA Wildfires
02:48
Video thumbnail
My 58 - Sacramento, CA: State Farm Looking To Raise Rates
01:05
Video thumbnail
KGO-SF (ABC) - San Francisco, CA: State Farm Proposes More Insurance Rate Hikes
02:53
Video thumbnail
KOLO (ABC) - Reno, NV: Home Insurance Rate Hikes From State Farm
02:32
Video thumbnail
KMPH-FRES (FOX) - Fresno, CA: Looking At Process For Rate Approvals
07:48
Video thumbnail
KGTV-SD (ABC) - San Diego, CA: State Farm Approves For Insurance Rate Hike
02:06
Video thumbnail
KCBA (FOX) - Monterey, CA: Insurance Rate Hikes
02:17
Video thumbnail
KTVU-SF (FOX) - San Francisco, CA: State Farm Gets Okay To Raise Rates
05:17
Latest Insurance Report

Support Consumer Watchdog

Subscribe to our newsletter

To be updated with all the latest news, press releases and special reports.