Mods approved this post, thank you. It's my own channel. Here's why it's relevant to this sub and where to find the local parts:
Why it matters here: the Eaton fire left many Altadena and Pasadena homes standing but full of smoke, and the FAIR Plan's smoke rule decided who got paid to clean them.
Timestamps:
- 2:36 The Eaton and Palisades fires, and a house that survived "full of smoke" with a $2,800 offer against a $10,000 deductible
- 5:23 The FAIR Plan's smoke rule ("visible to the eye or detectable by the nose") and the LA Superior Court ruling that called it unlawful
- 5:46 Maral Donoyan of Altadena: her smoke claim was denied
- 6:02 Angela Giacchetti of Altadena: nearly $200,000 out of pocket
- 6:15 The first smoke-damage test trial, set for October 2027
- 6:37 LA County's investigation, opened Oct 7, 2026, citing a survey where 67% of FAIR Plan customers were dissatisfied
Every number is sourced in the video description. If you went through a FAIR Plan smoke claim after the Eaton fire, I'd like to hear how it went, and if I got something wrong, tell me and I'll pin the correction.