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Smoke Damage Recovery Act unveiled to set first-in-nation claim standards

February 15, 2026

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PACIFIC PALISADES, Calif. — Commissioner Lara and Assemblymember Mike Gipson unveiled the Smoke Damage Recovery Act (AB 1795), which would create the nation's first statewide framework for handling wildfire smoke damage claims.

Key provisions require insurers to inspect smoke claims within 30 days, meet defined payment timelines, and restore contaminated homes to a safe and habitable condition. It followed roughly 42,000 wildfire claims filed with no consistent smoke standard in place.

Who’s involved

  • California Department of Insurance
  • California State Assembly

Where to get help

If this deadline affects you and you are not sure where you stand, a disaster case manager can work through it with you. Get help.

Sources

The date on this post is approximate — reporting placed it in this month without a specific day.