For homeowners, the battle to collect insurance money after the Eaton and Palisades fires has exacerbated a grueling recovery that's far from over. Some fire survivors have had to scramble for other sources of funding to try to rebuild. Others have gone into debt while bouncing between rental housing, as they wrangled with State Farm and other insurers over coverage.
Why now: State Farm is California's top home insurer, and many customers around Los Angeles started to get checks in November after L.A. County announced it was investigating complaints about how the company had handled claims from last January's wildfires, says Joy Chen, executive director of the Eaton Fire Survivors Network.
The background: The insurance industry says it has been dealing with years of rising disaster costs that have forced companies to raise premiums and to limit coverage in some high-risk areas. And the cost of disasters is increasing in part because climate change fuels more-intense storms, floods and wildfires that damage and destroy property.
Read on ... to learn what fire survivors are dealing with and about how this issue is cropping up in other states.
Nine months had passed since a wildfire destroyed Mark Johnson's southern California home, and he was still waiting for State Farm to pay his claim. Desperate for a resolution, Johnson asked the insurer in October to negotiate a settlement so his family could rebuild.
"I was on the verge of leaving money on the table," Johnson recalls, "just to get some kind of assurance of what we could move forward with."
Then, just before Thanksgiving, a State Farm representative told him the money was on its way.
"Needless to say, it was a huge relief," Johnson says, fighting back tears.
Johnson isn't alone. State Farm is California's top home insurer, and many customers around Los Angeles started to get checks in November after L.A. County announced it was investigating complaints about how the company had handled claims from last January's wildfires, says Joy Chen, executive director of the Eaton Fire Survivors Network.
For homeowners, the battle to collect insurance money after the Eaton and Palisades fires has exacerbated a grueling recovery that's far from over. As Johnson's case with State Farm languished, he had to scramble for other sources of funding to try to rebuild. Other fire survivors have gone into debt while bouncing between rental housing, as they wrangled with State Farm and other insurers over coverage.
The struggle Los Angeles residents have faced with insurers mirrors what's happening in communities around the United States. Years of rising premiums, due in part to threats from climate change, have added to the frustration with insurance companies.
"This is a national issue," Rep. John Garamendi, a California Democrat, told reporters recently. He added, "the first commandment of the insurance industry is to pay as little, as late as possible."
Asked about its handling of insurance claims, State Farm sent NPR a statement from its website that says the company takes every claim seriously and tries to provide customers with appropriate coverage.
"The rebuilding process [in Los Angeles] is underway, but frustration with the pace is understandable," David Sampson, chief executive of American Property Casualty Insurance Association, an industry group, said in a statement to NPR. "Insurers have paid tens of billions of dollars to policyholders impacted by the fires, and that process continues."
Insurers face 'staggering' costs from LA fires
The Eaton and Palisades fires destroyed more than 16,000 structures around Los Angeles. They rank as the most expensive blazes ever globally, with $40 billion of insured losses, according to Swiss Re Institute, the research arm of reinsurance company Swiss Re.
Soon after the fires were extinguished, homeowners started to complain about how insurance companies were responding to the disaster.
"The price tag is so staggering for the insurers here that they are bringing strategies to try to limit the pain" they experience financially, says Amy Bach, executive director of United Policyholders, a national consumer advocate. "But it's nothing new under the sun what we're seeing."
In November, the Los Angeles County counsel opened an investigation of State Farm following reports from residents that the company delayed, underpaid and denied valid insurance claims. The county counsel's office declined to comment on the state of the investigation.
State Farm said in a statement on its website that the investigation is a distraction from its efforts to help fire victims recover.
Chen of the Eaton Fire Survivors Network says State Farm's alleged behavior was devastating for its customers.
"Around February or March, I realized that whether a family was recovering or not depended largely on which insurance company they were with, which was shocking," Chen says. "These are all people who have been paying [their] insurance premiums faithfully for 20 or 30 years, but only some of them were getting the benefits."
The Eaton and Palisades fires destroyed more than 16,000 structures around Los Angeles.
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Ryan Kellman
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The fight for insurance money has been especially hard for homeowners whose houses survived the fires but were contaminated with lead and other toxins from the smoke, according to survivors and consumer advocates.
"With total loss, it's a very clear-cut, 'OK, we either rebuild or we sell. And if we rebuild, it's this. And if we sell, it's that.' And we do not have any paths to take," says Krista Copelan, whose Altadena home suffered smoke damage and lead contamination in the fires. "It's 100% trying to figure it out, fighting every step of the way, having no clear-cut answers."
Until about Thanksgiving, Andrew Wessels says State Farm resisted replacing his family's personal belongings, like clothes and bedding, that had been contaminated with lead, insisting the items could be cleaned instead. As the one-year anniversary of the fires approached, Wessels still didn't know how much State Farm would pay to remediate lead contamination in his Altadena house. To get rid of all the toxic ash, Wessels says floorboards need to be pulled up and walls torn down.
"We're here almost a year later, and we haven't taken one step forward," Wessels said in December.
As they've waited, Wessels, his wife and two young children have moved a dozen times, and the family has taken on tens of thousands of dollars in debt.
A lot of families are in similar situations. In Altadena, 65% of residents are still in temporary housing, according to a report this month from Department of Angels, a nonprofit that was set up to help victims of last year's fires. In Pacific Palisades, the number is even higher, with nearly three-quarters of residents still displaced.
As the recovery has dragged on, the toll on residents has grown, according to the Department of Angels report. Around half of respondents said they have depleted much or all of their savings. And about the same share said they worry about their mental health.
"I think everyone has been overwhelmed and drained for, literally, the past 11 months," Copelan, a State Farm customer, said in December.
'They're trying to make it difficult'
More than a thousand miles east, in Oklahoma, State Farm faces separate allegations that it has shortchanged policyholders. Oklahoma Attorney General Gentner Drummond, a Republican, recently accused the insurer of running a scheme to deny and minimize payments for roof damage from hail and wind.
"Oklahomans are paying rising homeowners insurance premiums yet receiving less protection in return, as State Farm simultaneously pursues additional rate increases while allegedly escalating its claims denials and underpayments practices," Drummond wrote in a December court filing.
Drummond's complaint is part of a growing wave of frustration with insurers nationwide as rising premiums strain household budgets.
In Texas, Democratic state Rep. Mihaela Plesa recently told reporters that homeowners who are struggling to pay for insurance in her district near Dallas routinely have their claims denied.
"That's not insurance, that's extraction," Plesa said. "That's a system that's designed to pull maximum dollars out of Texas pockets and providing minimum protection when disaster strikes."
And in southwest Florida, Jessica Gatewood, a Realtor, told NPR that home insurance feels like "a scam."
"You pay into it for, like, 30 years, 40 years, and then you have to make a claim, and they don't want to pay you what you actually need," Gatewood says.
The insurance industry says it has been dealing with years of rising disaster costs that have forced companies to raise premiums and to limit coverage in some high-risk areas.
The cost of disasters is increasing in part because climate change fuels more-intense storms, floods and wildfires that damage and destroy property. Additionally, people continue to move to coastal regions vulnerable to hurricanes and to forested areas prone to wildfires. That means more property is in harm's way. Then, when homes get damaged or destroyed, inflation has made it more expensive to rebuild.
Robert Gordon, a senior vice president at American Property Casualty Insurance Association, the industry group, says Florida and other states have also been plagued by cases of what Gordon described as insurance "fraud" related to alleged roof damage from storms, which he says have contributed to rising costs.
Construction workers build a home in the Palisades fire zone on the one-year anniversary of the fires.
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Allen J. Schaben
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Los Angeles Times via Getty Images
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In California, Mark Johnson hopes to move into his rebuilt Altadena home by fall. Reflecting on his ordeal with State Farm, part of him wonders if the insurer was just overwhelmed by the scale of the disaster. But he can't shake the feeling that all of the delays he faced were intentional.
"They're just trying to push you away," Johnson says. "They're trying to make it difficult for you so that you won't ask for much, so you'll be happy with whatever you get."
Aaron Schrank
has been on the ground, reporting on homelessness and other issues in L.A. for more than a decade.
Published April 2, 2026 4:23 PM
Supervisor Holly Mitchell, L.A. County Department of Public Health Director Dr. Barbara Ferrer, actor Danny Trejo and others gathered at Charles R. Drew University of Medicine and Science in Wilmington.
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Topline:
A new private foundation called The Fund for Advancing Public Health LA launched Thursday, aiming to raise $2 million to shore up county health services this year. It comes after the Department of Public Health closed seven clinics following $50 million in funding cuts since early 2025.
Who's behind it: The foundation's board includes Public Health Director Barbara Ferrer, the CEOs of Blue Shield of California Foundation and LA Care Health Plan, actors Sean Penn and Danny Trejo and more. Board member Saree Kayne of the R&S Kayne Foundation pledged $150,000 at the launch. Ferrer acknowledged it's "a hard day" when a public agency has to turn to private donors to fund basic services.
Deeper cuts ahead: The federal "Big Beautiful Bill" slashes Medi-Cal funding, and the department anticipates losing up to $300 million over the next three years. Federal dollars account for nearly half the public health budget.
Some government funding streams for L.A. County’s public health system are drying up, and officials are turning to private philanthropy to fill the gap.
A new privately funded foundation launched Thursday to strengthen public health services after $50 million in federal, state and local funding cuts to the county’s Department of Public Health since early last year.
“It is really a hard day for our community when we have to ask for private donations to fund a public good, but unfortunately, we've lost too much money to not take this important step,” said Public Health Director Barbara Ferrer.
In February, the county’s Public Health Department closed seven clinics, with six remaining open. About half of the patients seen in those clinics are uninsured, according to county officials. The department also cut hundreds of staff positions.
She said the fund will help the county maintain its basic public health infrastructure, including disease prevention, health promotion, environmental health, and emergency response efforts.
Other board members include several health insurance executives, as well as actors Sean Penn and Danny Trejo. Board member Saree Kayne of the R&S Kayne Foundation pledged $150,000 to the fund Thursday. Kayne said she hopes the donation encourages others to give.
The foundation aims to raise $2 million this year.
More cuts expected
L.A. County Supervisor Holly Mitchell said it’s crucial to have an alternative funding stream to protect services for the county's most vulnerable residents.
“We are saving public health,” Mitchell said. “This fund represents a new approach, one that brings together government philanthropy in the private sector to invest in community-based solutions, protect vulnerable populations, and strengthen our public health infrastructure.”
Officials say more public health cuts are coming, through the federal budget law known as the "Big Beautiful Bill," which slashes funding for Medi-Cal.
The county Department of Public Health anticipates losing up to $300 million in revenue over the next three years because of the federal budget bill and other potential funding freezes. Federal funding accounts for almost 50% of the public health budget, according to county officials.
Mitchell also led an effort to put a half-percent county sales tax increase to fund public health on the June ballot.
If approved by voters, that proposal, known as Measure ER, is expected to raise about $1 billion a year for county safety net health services, including about $100 million for the public health department.
Adolfo Guzman-Lopez
is an arts and general assignment reporter on LAist's Explore LA team.
Published April 2, 2026 4:20 PM
Water infrastructure such as pipes that feed water to drinking fountains and toilets at the Rose Bowl Stadium are getting an infusion of $1 million for fixes.
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Topline:
Rep. Laura Friedman today announced that she secured $1 million for improvements to the water infrastructure at the aging Rose Bowl Stadium as it prepares for a global starring role in the LA28 Olympics.
Why it matters: The pipes may be working fine — for now — but the fear of backed-up toilets as the world watches is an ongoing worry at the venue.
Why now: Public officials have been pushing for spending to improve Olympic venues and surrounding areas as L.A. and other municipalities roll out the red carpet for the world to attend the Olympics. But they’ve hit road bumps and detours.
The backstory: The Rose Bowl is 103 years old and public officials have committed to spending $200 million to upgrade the Pasadena venue over the next two decades.
The Rose Bowl in Pasadena may be a centenarian, but it’s holding up pretty well as it continues to host events on its way to a starring role in the LA28 Olympics.
But before it can host the soccer final, it needs fixes, especially to the infrastructure serving the bathrooms and drinking fountains. Fears of a toilet backup while in the world’s spotlight led Rep. Laura Friedman to seek federal funds for upgrades. On Thursday she announced she secured just over $1 million.
“Two years from now, athletes around the world are going to compete for gold right where we are standing. This is not the time to find out whether or not these pipes are up to the task,” Friedman said.
The planned work, she added, will lead to improved water flow capacity and water drainage, eliminating the risk of backups and emergency maintenance.
The funds came from the House of Representatives Interior and Environment subcommittee. The fixes, an official said, will be completed by the LA28 Olympics.
The funds, however, are a drop in the bucket when it comes to what’s needed to make needed improvements to the Pasadena venue.
Officials, including (left to right) Rose Bowl Legacy Foundation President Dedan Brozino, Deputy Fire Chief of the City of Pasadena Tim Sell, Congresswoman Laura Friedman, and Rose Bowl Stadium CEO Jens Weiden announced infrastructure funding for the 103-year old Rose Bowl.
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Adolfo Guzman-Lopez/LAist
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“Over the next 20 years there's about $200 million that we need to put in and that's everything from updating light fixtures to updating gas, water, wastewater lines, etc.,” said Dedan Brozino, president of the Rose Bowl Legacy Foundation, the nonprofit that supports the Rose Bowl stadium's preservation and enhancement.
Getting venues ready will be expensive
The money is a much-needed win at a time when elected officials in city, county, state and federal offices have been struggling to find the funds to get L.A.-area venues ready for the global Olympic stage in two years.
The entrance to a men's bathroom at the Rose Bowl.
Additionally, to save money, LA28 organizers moved Olympic diving to the Rose Bowl complex last year because it has two Olympic-sized pools, while the Exposition Park complex doesn't and would need expensive upgrades.
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Kevin Tidmarsh
is a producer for LAist, covering news and culture. He’s been an audio/web journalist for about a decade.
Published April 2, 2026 3:39 PM
This Cape vulture chick hatched March 14 at the L.A. Zoo.
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Courtesy Misha Body/LA Zoo
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Topline:
The zoo said it’s the first major breeding success in its Cape vulture habitat, which opened up last year. The chick now joins the zoo’s committee — that’s the name for a group of vultures.
About the chick: The chick hatched on March 14. The zoo opened its Cape vulture enclosure in February 2025 after years of planning to encourage the birds to roost and nest, welcoming a new breeding pair that year. When it grows to be an adult, it’ll have a wingspan of eight and a half feet.
About the enclosure: The L.A. Zoo said it spent years developing the vulture habitat, which was designed to mimic the vultures’ natural environment in South Africa. Dominick Dorsa II, the zoo’s director of animal care, said in a statement the successful hatching is “a testament to the design and construction” of the habitat.
How to see the chick: You can’t for the time being. Zoo officials are keeping it away from visitors until the chick matures, though you can still see adult Cape vultures at the zoo’s enclosure.
Though visitors will have to wait until the chick matures to see it in the enclosure, you can still take in the impressive eight and a half foot wingspan of the adult Cape vultures.
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Courtesy Jamie Pham/L.A. Zoo
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What zoo officials are saying: “Welcoming a Cape vulture chick is a thrilling moment for our team and a beacon of hope for African vultures,” the L.A. Zoo’s curator of birds Rose Legato said in a statement. “Vultures are one of nature's most misunderstood marvels, and I cannot wait for our guests to eventually watch this chick grow and learn just how vital they are to our ecosystems.”
About the species: Cape vultures are listed as a vulnerable species due to human activities and encroachment. According to the L.A. Zoo, African vultures are more closely related to eagles and hawks than vultures native to the Americas, like the California condors that just hatched last year at the L.A. Zoo.
Topline:
The Los Angeles Zoo said it’s the first major breeding success in its Cape vulture habitat, which opened up last year. The chick now joins the zoo’s committee — that’s the name for a group of vultures.
About the chick: The chick hatched March 14. The zoo opened its Cape vulture enclosure in February 2025 after years of planning to encourage the birds to roost and nest, welcoming a new breeding pair that year. When it grows to be an adult, it’ll have a wingspan of 8 1/2 feet.
About the enclosure: The L.A. Zoo said it spent years developing the vulture habitat, which was designed to mimic the vultures’ natural environment in South Africa and nearby countries. Dominick Dorsa II, the zoo’s director of animal care, said in a statement the successful hatching is “a testament to the design and construction” of the habitat.
How to see the chick: You can’t for the time being. Zoo officials are keeping it away from visitors until the chick matures, though you can still see adult Cape vultures at the zoo’s enclosure.
Though visitors will have to wait until the chick matures to see it in the enclosure, you can still take in the impressive eight and a half foot wingspan of the adult Cape vultures.
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Courtesy Jamie Pham/L.A. Zoo
)
What zoo officials are saying: “Welcoming a Cape vulture chick is a thrilling moment for our team and a beacon of hope for African vultures,” the L.A. Zoo’s curator of birds Rose Legato said in a statement. “Vultures are one of nature's most misunderstood marvels, and I cannot wait for our guests to eventually watch this chick grow and learn just how vital they are to our ecosystems.”
About the species: Cape vultures are listed as a vulnerable species due to human activities and encroachment. According to the L.A. Zoo, African vultures are more closely related to eagles and hawks than vultures native to the Americas, like the zoo's California condors that hatched last year.
What should have been a celebration for formerly incarcerated youth completing a reentry program at the Boyle Heights Arts Conservatory (BHAC) last week instead ended with seven students and two staff members detained by the Los Angeles Police Department, according to witnesses.
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Screenshot courtesy of BHAC
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Topline:
Last week, seven students and two staff members from the Boyle Heights Arts Conservatory (BHAC) were detained by the Los Angeles Police Department, according to witnesses. Now, BHAC staff and city officials are demanding answers from the LAPD, with some accusing officers of racial profiling.
What happened: According to the LAPD, officers observed a large group gathered on the corner of Cesar E. Chavez Avenue and Mott Street around 4:16 p.m. on March 26. The group, classified by police as an “aggressive gang group,” consisted of seven 18-year-old students from the BHAC’s Bridge Academy Movement (BAM) program and two BHAC staff members.
Allegations of racial profiling: In total, seven 18-year-old students and two staff members were detained. BHAC staff said one student and one staff member were taken to Hollenbeck Community Police Station and released less than two hours later after advocacy from community members and Councilmember Ysabel Jurado. According to Rene Weber, a teaching artist at the BHAC, the students had gone to coffee across the street at Milpa Kitchen as they often did. After Weber told the officers that all of the students were 18, they said they would investigate whether the group had any gang affiliation.
What is BAM? The BAM program pays formerly incarcerated youth to complete 200-250 hours in media and visual arts training to prepare them for creative careers. That day, students were set to showcase their work at the BAM program graduation for families and community members.
What should have been a celebration for formerly incarcerated youth completing a reentry program at the Boyle Heights Arts Conservatory (BHAC) last week instead ended with seven students and two staff members detained by the Los Angeles Police Department, according to witnesses.
Now, nearly a week later, BHAC staff and city officials are demanding answers from the LAPD, with some accusing officers of racial profiling.
According to the LAPD, officers observed a large group gathered on the corner of Cesar E. Chavez Avenue and Mott Street around 4:16 p.m. on March 26. Authorities then requested backup for what they described as “a large group surrounding officers,” LAPD Public Information Officer Tony Im said.
The group, classified by police as an “aggressive gang group,” consisted of seven 18-year-old students from the BHAC’s Bridge Academy Movement (BAM) program and two BHAC staff members.
The BAM program pays formerly incarcerated youth to complete 200-250 hours in media and visual arts training to prepare them for creative careers. That day, students were set to showcase their work at the BAM program graduation for families and community members.
Rene Weber, a teaching artist at the BHAC, had been with the students setting up for the ceremony minutes before the incident occurred.
According to Weber, the students had gone to coffee across the street at Milpa Kitchen as they often did, when staff were alerted that they were being detained.
Weber said he arrived to find students and a staff member pressed against the wall in handcuffs.
Video from the scene, taken by a staff member at the BHAC, shows multiple officers surrounding the group. At one point, an officer orders a person to “get on the wall” and displays a stun gun.
“No, none of that, these are kids right here,” the staff member replies.
Another staff member, Teotl Veliz, recorded a large police response.
“I counted 12 cop cars, that’s at least 25 cops, and they had a helicopter,” Veliz said. “It was just so comedic, tragically comedic, that it was on their graduation day too.”
Officers established a perimeter with yellow tape along the side of Ashley’s Beauty Salon as local business owners and witnesses gathered around the students.
“I was just incredibly disappointed in LAPD… because it became so apparent to everybody, all at the same time, that it was racial profiling and nothing else,” Veliz said.
Weber said officers gave shifting explanations for the stop at the scene, including blocking the sidewalk and possible underage vaping. After Weber told the officers that all of the students were 18, they said they would investigate whether the group had any gang affiliation.
Police have not responded to questions about what led officers to believe that the group was gang-affiliated.
Weber recalled pleading with the officers to let the group go and explaining to them that they worked across the street. Community members and local business owners also stepped in to vouch for the students.
“Our job is to help them gain a new perspective on life,” Weber said. “They’re coming out of juvenile detention and they’re turning their lives around. We can do our part in keeping them off the streets and keeping them doing better but what does it mean if they’re going to be profiled and treated exactly the same way?”
In total, seven 18-year-old students and two staff members were detained. BHAC staff said one student and one staff member were taken to Hollenbeck Community Police Station and released less than two hours later after advocacy from community members and Councilmember Ysabel Jurado.
The incident ultimately resulted in an infraction for smoking a cannabis e-vape on a public sidewalk, according to a photo of the infraction shared with the Beat. LAPD did not provide details about the people taken to Hollenbeck Station or the infraction.
The graduation ceremony was cancelled that night and is expected to be rescheduled in April.
“Graduation should be a moment of pride and possibility — not fear,” Jurado said in a statement. “I’m seeking answers about what occurred, and this underscores the need for stronger relationships between law enforcement and community organizations so moments like these are protected, not disrupted.”
Carmelita Ramirez‑Sanchez, the conservatory’s executive director, said she was grateful to the community and Jurado for advocating for the students’ release. Jurado met her at Hollenbeck Station within 20 minutes of being alerted to the incident, she said.
“They had store owners, señoras, barbers, that ran out and were trying to explain to the police who our kids were,” Ramirez‑Sanchez said.
Still, she said the incident tarnished what should have been a joyous celebration.
“I imagine that what this does is derail this entire idea that you can be an active participant in your own restorative growth,” she said.
