California is implementing new reforms to address the state's escalating fire insurance crisis, which has already had a dire start this season. The reforms aim to clarify potential charges for policyholders if the FAIR Plan, the state's last-resort insurance program, runs out of funds due to another year of massive wildfires. Additionally, the state plans to expand the FAIR Plan to cover higher-value properties in wildfire-prone areas and provide expanded coverage for condo owners. The improvements are designed to modernize the FAIR Plan, enhance transparency, and ensure financial stability for consumers.