FILE - This Nov. 15, 2018, aerial file photo shows the remains of residences leveled by the Camp wildfire in Paradise, Calif. The California Fair Access to Insurance Requirements Plan is a state-mandated insurance pool required to sell insurance policies to people who can't buy coverage through no fault of their own. FAIR Plan policies are often limited to fire damage. Homeowners must purchase an additional policy to cover other hazards. Last month, state Insurance Commissioner Ricardo Lara ordered the FAIR Plan to begin selling comprehensive plans next year, an order aimed at helping people who have lost their coverage because of the growing threat of wildfires. Friday, Dec. 13, 2019, the California FAIR Plan Association sued Lara, arguing his order was illegal because state law only requires the plan to sell basic property insurance. (AP Photo/Noah Berger, File)
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