City of Camarillo
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PUBLIC COMMENTS Wednesday, March 4, 2026 12:12 PM
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This is a public document and will be posted as part of the public record. Any attachments, pictures, and information submitted will be subject to disclosure in accordance with applicable law, including the Public Records Act.
City Council / Camarillo Sanitary Wednesday, March 11, 2026 District / Camarillo Library Board
Meeting Date
Planning Commission Meeting Date
Agency City Council / Camarillo Sanitary District / Camarillo Library Board
Item Type Item Not On Agenda
Item Number or Subject Insurance
Position Support
Comments California families deserve insurance systems that work, before and after disaster strikes. Insurance Commissioner Ricardo Lara is sponsoring three critical bills to strengthen consumer protections, improve claims handling, and ensure wildfire survivors and high-risk communities get the support they need:
AB 1680 (Make It FAIR Act), SB 876 (Disaster Recovery Reform Act), and AB 1795 (Smoke Damage Recovery Act).
As a local leader, your voice is essential in ensuring these protections reach your constituents. We are calling on you to contact your State Senators and Assemblymembers to urge their support for these measures.
How these bills protect your community:
AB 1680 - Make It FAIR Act
Strengthens FAIR Plan claims handling
Expands and modernizes coverage options
Increases transparency and oversight
Ensures the FAIR Plan operates as a reliable safety net SB 876 - Disaster Recovery Reform Act
Improves claims timelines and communication for disaster survivors
Strengthens consumer protections during recovery
Ensures insurers follow clear standards after catastrophic events
Reduces delays that leave families in limbo
AB 1795 - Smoke Damage Recovery Act
Health-driven standards for smoke damaged homes
Uniform insurance claims handling and restoration protocols Health-based guidelines to determine when a home is safe for families to return
Take Action Now:
When lawmakers hear directly from local officials, it reinforces the urgent need for policies that reflect real community needs.
I have included the sample letters of support in this submission.
You can personalize these letters and send them directly to your legislative representatives to advocate for these vital protections.
Thank you for your leadership and for standing with California consumers.
Sincerely,
Zuleimy Delgadillo (she/her/hers)
Virtual and Digital Outreach Specialist
California Department of Insurance
300 South Spring Street,
Los Angeles, CA 90013
[email protected]
Upload Additional Information
SB 876 - Disaster Recovery Reform ... .docx
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AB 1795 - The Smoke Damage Reco... docx
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AB 1680 - The Make it FAIR Act - Lett.... docx
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IDENTIFICATION
2 Name Zuleimy Delgadillo
Address 300 South Spring St.
Los Angeles, CA, 90013
Telephone (213) 220-7920
Email [email protected]
Public Records Acknowledgement
3 SAMPLE SUPPORT LETTER
SB 876 - Disaster Recovery Reform Act
LETTERHEAD
Re: Senate Bill 876: Disaster Recovery Reform Act
Dear [Title & Last Name],
On behalf of [Your Organization Name], I am pleased to offer our strong support of SB 876 - the Disaster Recovery Reform Act.
Last year, a series of 14 destructive wildfires burned from January 7-31st and affected the Los Angeles and San Diego County Regions. Most of the damage occurred because of two of the largest fires: the Eaton Fire in Altadena and the Palisades Fire in Pacific Palisades, where 31 people died and more than 12,000 homes were destroyed or damaged. Unfortunately, although climate change has contributed to more severe wildfires and winter storms, decades-old insurance laws have not kept pace.
A year later, Wildfire survivors have continued to report on-going problems with accessing their insurance benefits with delays, denials, and miscommunication from insurance companies at the top of the list of consumer complaints filed with the Department of Insurance since the January 2025 Los Angeles wildfires. A recent survey found that 7 in 10 fire victims are still displaced, creating a "K-shaped recovery," where the wealthiest advance while others wait.
SB 876 will reform the insurance claims process by cutting red tape, improving payouts, and ending delays and runarounds by insurance companies. The bill will achieve this by doing the following:
• Requiring a "disaster recovery plan" from insurers for handling claims and meeting timelines - reviewed by the Department in advance and put into effect in an emergency situation. • Doubling penalties during a declared emergency for violations of insurance fair claims practices and settlement law.
• Requiring insurance companies pay restitution directly to policyholders when they violate the law.
• Addressing delays resulting from the assigning of multiple adjusters by requiring insurance company status reports to policyholders within 5 days anytime a new adjuster is • Improving recovery by expanding policy limits for Additional Living Expenses by 100% in a declared disaster.
• Expanding up-front payments by requiring Actual Cash Value and structure replacement cost be paid quickly following a total loss, with interest payable if late. • Providing adequate recovery funds by requiring a mandatory offer of extended and guaranteed replacement cost coverage when writing a policy, and regular updated replacement cost estimates for new business and renewals.
• Safer rebuilding by applying mandatory building code upgrade coverage at the time of rebuild - not at the time of loss - to account for updated rules.
For these reasons, SB 876 (Padilla) would further [Your Organization Name] goal of... [Insert short statement of bill's importance as it relates to organization], and we are proud to support SB 876 (Padilla) and encourage your "aye" vote when it is heard in your committee. ' Los Angeles Times. "Complaints over Insurers' Handling of L.A. Wildfire Claims Prompt a Flurry of Bills." January 7, 2026. https://www.latimes.com/business/storv/2026-01-07/after-la-wildfires-complaints-about-insurers-prompt-flurry-of-bills.
SAMPLE SUPPORT LETTER
AB 1795 - Smoke Damage Recovery Act
LETTERHEAD
RE: Support for AB 1795 - Smoke Damage Recovery Act
Dear [Title & Last Name],
On behalf of [Your Organization Name], I am writing to express our strong support for AB 1795 - Smoke Damage Recovery Act, authored by Assemblymember Gipson and supported by Commissioner Lara
Wildfire smoke contamination is not just an insurance issue, it is a public health crisis. After the devastating Los Angeles wildfires, thousands of families remain in homes contaminated by toxic smoke residue, facing headaches, respiratory issues, and conflicting assessments while insurance claims are delayed or denied. Currently, there are no enforceable state or national standards for smoke testing or restoration, leaving survivors without clear guidance or timely relief.
AB 1795 changes that. This legislation establishes California's first enforceable public health and insurance standards for smoke-damaged homes. It provides:
• Immediate relief by allowing survivors to rely on local public health standards for smoke testing and restoration while statewide standards are being finalized. • Science-based protocols for inspection, testing, and restoration, ensuring homes meet health-driven safety thresholds before reentry.
• Uniform insurance claims handling and accountability, reducing disputes and delays. • Protection for vulnerable populations, including children, older adults, and medically at-risk residents.
By prioritizing health and safety, AB 1795 offers a clear path to recovery, empowers local agencies, and positions California as a national leader in wildfire smoke remediation standards.
We urge your support for AB 1795 to ensure families can return to safe homes without months of uncertainty or health risks.
Thank you for your leadership and commitment to protecting California communities.
Sincerely,
[Your Name]
[Title]
[Organization]
[Contact Information]
SAMPLE SUPPORT LETTER
Support for AB 1680 - The Make It FAIR Act
LETTERHEAD
Re: Support for AB 1680 - The Make It FAIR Act
Dear [Title & Last Name],
On behalf of [Your Organization Name], we are pleased to express strong support for AB 1680, the Make It FAIR Act, which modernizes the California FAIR Plan and strengthens essential consumer protections for communities unable to secure coverage in the traditional market.
The FAIR Plan's rapid growth, driven by wildfire risk, insurer withdrawals, and widespread non- renewals, has exposed gaps in coverage offerings, operational flexibility, and accountability. The California Department of Insurance's "Report of Examination" identified deficiencies across 32 areas, with more than half of the recommendations not fully implemented.
AB 1680 addresses these challenges by:
• Reinforcing the Commissioner's authority to approve, revise, or enforce the FAIR Plan's plan of operation.
• Requiring timely adoption of examination recommendations, including 17 critical findings related to financial condition, governance, and consumer protections. • Establishing meaningful enforcement tools to ensure compliance and improve operational accountability.
• Enhancing consumer protections through improved claims handling standards and clearer processes for wildfire survivors.
• Authorizing expanded coverage options to better serve homeowners, renters, and commercial policyholders.
• Updating the FAIR Plan's statutory framework to reflect its expanded role as a major insurer in today's market.
These reforms will help ensure the FAIR Plan operates transparently, responsibly, and in alignment with its mission as California's insurer of last resort. AB 1680 is a critical step toward a more stable, fair, and consumer-focused insurance system.
These reforms are essential to ensuring the FAIR Plan operates transparently, responsibly, and in alignment with its mission as California's insurer of last resort. [Organization Name] respectfully urges your support for AB 1680.
Sincerely,
[Name]
[Title]
[Organization Name]
Sincerely,
[Your Name]
[Title]
[Organization]
[Contact Information]