Broker/agent evaluates the standard market.

If coverage elsewhere is unavailable or terms unacceptable, apply for FAIR Plan coverage via a licensed broker/agent who is experienced and registered to place FAIR Plan business. Note, recent photos and replacement cost estimate will be required to apply.

Select appropriate policy (residential/ commercial) and discuss gaps (need for supplemental DIC, liability, flood/earthquake).

Premium is paid via FAIR Plan website either by ACH or CC, coverage begins. Processing can take some time if underwriting requests additional photos etc.

The CA FAIR Plan can take 23 weeks or more to provide a firm quote depending on current volume and underwriting needs.

Review risk mitigation to avoid policy cancellation and/or future underwriting requirements. Work towards repairing damage or maintain home hardening, defensible space, building materials, roof condition, wildfire risk reduction.