California FAIR Plan Insurance Coverage for Water, Fire, and Mold Damage in Los Angeles

Q: What does the California FAIR Plan actually cover?

It’s a named-peril policy primarily for fire-related risks (including wildfire) and certain allied perils. It generally does not include personal liability, theft, water damage, or many other coverages unless separately arranged.

Q: Do I still need a DIC/companion policy with the FAIR Plan?

Yes. A Difference-in-Conditions (DIC) or companion homeowners policy fills gaps—adding liability, theft, water damage, Additional Living Expense (loss of use), and other coverages the FAIR Plan doesn’t provide.

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

FAQs About California FAIR Plan Coverage

What does the California FAIR Plan actually cover?

It’s a named-peril policy primarily for fire-related risks (including wildfire) and certain allied perils. It generally does not include personal liability, theft, water damage, or many “convenience” coverages unless separately arranged.

Do I still need a DIC/companion policy with the FAIR Plan?

Yes. A “Difference-in-Conditions” (DIC) or companion homeowners policy fills gaps—adding liability, theft, water damage, ALE (loss of use), and other coverages the FAIR Plan doesn’t provide.

Who’s eligible and how do I get California FAIR Plan coverage?

It’s designed for properties that can’t obtain standard insurance (often due to wildfire exposure). Apply through a licensed broker/agent; the property must be habitable and meet safety standards. An inspection is common.

Are water damage, theft, or liability covered by the FAIR Plan?

Typically no. Those are added by pairing the FAIR Plan with a DIC/companion policy so you’re protected beyond fire-centric risks.

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.