California is facing legal challenges as homeowners, including retired judges and attorneys who lost properties in recent wildfires, have joined lawsuits against insurance companies and the Los Angeles Department of Water and Power (LADWP). The lawsuits allege negligence and antitrust violations, accusing insurers of conspiring to deny fire insurance coverage to California homeowners. The California Fair Plan, the state’s insurer of last resort, has expanded significantly, but fire victims in Los Angeles have reportedly borne the consequences of this growth. Former California Insurance Commissioner Dave Jones noted that insurance companies received nearly all the regulatory concessions they requested last year to resume issuing new policies. Despite this, many homeowners affected by the wildfires are struggling with insurance coverage issues, prompting legal action and public scrutiny of the insurance market in the state.