加州即将成为美国首个建立烟雾污染损害检测和补救标准的州。两项待签署的法案将创设全面的烟雾污染规范，这是在2025年1月洛杉矶县大火造成严重破坏后推出的应对措施1。该场大火摧毁了超过16000栋建筑，超过13000户幸存者面临烟雾污染问题，其中许多房屋虽未被完全焚毁但因铅、石棉等有毒物质污染而无法入住1。
由帕萨迪纳民主党议员约翰·哈拉贝迪安提出的《第1642号议案》将建立全美首个烟雾污染检测和补救标准1，加迪纳民主党议员迈克·吉普森推动的《第1795号议案》则要求保险公司遵守这些新标准1。州长需在月底前签署两项法案1。根据规定，有毒物质控制部需在2028年底前制定铅和石棉的测试、维修和清除标准，到2029年底前建立其他污染物的标准1。
这些立法的推出部分源于保险公司的处理问题。卡里姆·阿里一家自2025年1月以来无法返回家中，住在自己地产上的捐赠房车中，州农场保险拒绝了他们的环境检测请求1。洛杉矶县上周起诉州农场保险，指控其处理火灾理赔时存在不公平商业行为，包括拒绝和阻止环保检测请求、拒绝报销自行支付的检测费用1。州农场保险发言人塞瓦格·萨基表示"强烈反对"县诉讼对该公司理赔回应的描述1。
同时，加州还推进了其他配套保险改革。《第876号参议院法案》要求保险公司在提交理赔30天内指定主要联系人，第6个月内分配第三个理赔员时需提交书面报告1。《第877号参议院法案》要求保险公司在收到请求15天内提供损失金额、承保损害和修复成本的详细计算1。《第878号参议院法案》要求保险公司在房产被认定为全损后30天内支付现金价值，未按期支付需支付利息1。
California is poised to become the first state in the nation to create comprehensive smoke pollution damage standards and testing protocols following devastating wildfires in January 2025.1 Two pending bills awaiting the governor's signature aim to establish testing and remediation benchmarks, require insurance companies to comply with these standards, and hold insurers accountable for prolonged delays and claim denials.1
The January fires destroyed more than 16,000 buildings across Los Angeles County, with more than 13,000 of over 40,000 fire-related insurance claims involving smoke contamination.1 Many of these homes were not burned but remain uninhabitable due to toxic substances such as lead and asbestos seeping into structures.1 Assembly Bill 1642, authored by Pasadena Democratic Assemblymember John Harabedian, will establish the first-ever smoke pollution detection and remediation standards in the nation, while Assembly Bill 1795, authored by Gardena Democratic Assemblymember Mike Gibson, requires insurance companies to adhere to these new standards.1 The governor must sign both bills by month's end, though one cannot become law independently.1
The Department of Toxic Substances Control is required to develop lead and asbestos testing, repair, and removal standards by the end of 2028, with standards for other contaminants to be established by the end of 2029.1 The case of the Karim Ali family illustrates the stakes: unable to return home since January 2025, they have been living in a donated RV on their own property after State Farm Insurance denied their environmental testing request.1 Los Angeles County sued State Farm last week, alleging unfair business practices in handling fire claims, including refusing and blocking environmental testing requests and denying reimbursement for self-funded testing expenses.1 State Farm Insurance spokesperson Sevag Sarkissian stated the company "strongly disputes" the county's characterization of its claims response.1
Three companion Senate bills also advance insurance reform measures: Senate Bill 876 requires insurers to designate a primary contact within 30 days of claim submission and submit a written report when assigning a third adjuster in the sixth month;1 Senate Bill 877 mandates insurers provide detailed calculations of loss amounts, covered damages, and repair costs within 15 days of request;1 and Senate Bill 878 requires insurers to pay cash value within 30 days of a total loss determination, with interest owed for late payment.1
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