Does CSFairPlan Cover Water Damage?
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The California FAIR Plan (CSFairPlan) is a last-resort insurance option for homeowners in high-risk areas who can’t find traditional coverage. Many Los Angeles residents rely on it due to wildfire risk and limited availability of standard policies.
At Onsite Pro Restoration, we help FAIR Plan policyholders understand their coverage and file claims for water, fire, and mold damage.
What Is the California FAIR Plan?
The FAIR Plan was created to provide basic fire insurance when other companies won’t issue a policy. While it covers some perils, it has limitations compared to full-service insurers like State Farm or Allstate.
Designed for high-risk properties (wildfire zones, older homes, etc.)
Offers essential fire coverage
Often requires supplemental insurance for water or liability protection
Does CSFairPlan Cover Water Damage?
FAIR Plan policies are primarily fire-focused. Standard FAIR Plan does not automatically include water damage coverage. However, depending on your policy and endorsements, some sudden water events may be covered.
Tip: Many homeowners pair FAIR Plan with a “Difference in Conditions (DIC)” policy to get protection against water damage.
Fire Damage Protection Under CSFairPlan Policies
Fire is the cornerstone of FAIR Plan coverage. Policies typically include:
Fire and smoke damage cleanup
Wildfire damage to homes and structures
Rebuilding costs within coverage limits
FAIR Plan has coverage caps — many policies max out at $1.5 million.
Mold Damage Coverage With CSFairPlan
Mold is rarely covered under FAIR Plan unless caused by a covered peril (like fire-related water damage). Even then, limits are strict.
Limited mold remediation after fire/water loss
No coverage for long-term or maintenance-related mold
Optional endorsements may extend protection
Yes — wildfire coverage is one of its main benefits.
Not usually, unless paired with a DIC policy.
Only in limited situations, often as a result of fire suppression water.
How Onsite Pro Restoration Supports FAIR Plan Policyholders
We know FAIR Plan claims can be confusing and limited. Our team helps Los Angeles homeowners:
Document fire, water, or mold damage
Work with adjusters to maximize available coverage
Provide supplemental reports to strengthen your claim
Call 818-336-1800 for immediate help filing a FAIR Plan insurance claim and restoring your home.