Farmers Insurance Hit With Class Action After LA Wildfire

Law360, Los Angeles (October 26, 2016, 6:06 PM EDT) -- A Los Angeles homeowner hit a Farmers Insurance Co. unit with a proposed class action in California state court on Wednesday alleging the insurers illegally limited coverage of wildfire smoke damage by changing policies without adequate notice and saying it was "not actual fire damage."

Plaintiff Ismael Frias, a resident of the Los Angeles suburb of Sylmar, said that Mid-Century Insurance Co. applied a $5,000 "Wildfire Smoke Sublimit" to his claim under his homeowner's insurance policy. Mid-Century allegedly added the sublimit to the policy when Frias renewed in March, but didn't clearly notify him. Frias also contends that the sublimit violates...

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