California FAIR Plan Claims Help

Filing a fire or smoke claim with the California FAIR Plan?

The California FAIR Plan is the state's fire insurer of last resort, common on homes in the wildfire areas above the Valley. It covers fire and smoke; water damage is usually handled under a separate Difference in Conditions, or DIC, policy carried alongside it. iDri helps California FAIR Plan policyholders through the claim, documents the full loss to IICRC standards, and bills California FAIR Plan directly, working for you. Serving the San Fernando Valley and Ventura County.

Call iDri (818) 564-5615 How to file

We bill California FAIR Plan direct·We work for YOU, not California FAIR Plan·24/7 response

Quick reference

How to file a California FAIR Plan claim.

By phone

California FAIR Plan claims line
(800) 339-4099
Report a loss online 24/7, or call during business hours.

Online

File and track your claim at
cfpnet.com

Online or your broker

Report your claim online any time at cfpnet.com, or your broker can file it on your behalf.

The process

What to expect after you file.

01
Report the loss
Report the loss online at cfpnet.com or by phone as soon as it is safe. You will need your policy number and ZIP code, or your broker can file for you.
02
A claim handler is assigned
the FAIR Plan assigns a claim handler or adjuster to manage your claim and walk you through the next steps.
03
The damage is reviewed
An examiner is assigned and contacts you. In a major wildfire event there can be a delay due to claim volume, so report as soon as possible and do not make repairs beyond protecting the property.
04
Settlement, less your deductible
For covered losses, the FAIR Plan arranges payment, less your deductible, to you or your chosen provider.

Know your coverage

Understanding your deductible.

Your deductible is set in your own policy, not by the carrier, so there is no single number that applies to everyone. It is the amount you pay before coverage kicks in, and your settlement is paid out less that amount.

A flat deductible is a fixed dollar amount, often somewhere from 1,000 to 2,500 dollars.
A percentage deductible is a percent of your dwelling coverage, common for wind, hail and wildfire.
You will find your exact deductible on the declarations page of your policy.
Water damage usually falls under your standard deductible, while wind or wildfire may carry a separate one.

Your California rights

What California law gives you.

Your insurer must acknowledge your claim within 15 days under California's Fair Claims Settlement Practices Regulations.
They must accept or deny your claim within 40 days of receiving the documentation they need.
You have the right to choose your own restoration contractor. The insurer can recommend one, but the choice is yours.
You can hire your own help, such as a public adjuster, if you and the insurer disagree on the loss.

How we help

How iDri handles your California FAIR Plan claim.

First, the part that matters most. We work for you, not California FAIR Plan. Our job is to make sure your claim reflects the real damage, not the smallest number that closes the file.

Documented to standard

We document your California FAIR Plan loss to the IICRC standard, with moisture readings, photos and a defensible line item scope.

We deal with the adjuster

We communicate with your California FAIR Plan claim handler and speak their language, so the process moves and the scope holds.

Billed to California FAIR Plan directly

We bill California FAIR Plan directly for the covered work, so you are not floating the cost or chasing paperwork.

On your side

We work for you, not California FAIR Plan. Our job is to make sure your claim reflects the real damage.

We are a restoration contractor, not a public adjuster or an attorney. We document and bill your claim. For a coverage dispute, those professionals rely on exactly the kind of documentation we provide.

Smooth claim

Tips for a smoother claim.

Photograph and video everything before you clean up or throw anything away.
Do what you reasonably can to stop further damage, which is your duty under the policy, and keep the receipts.
Do not discard damaged materials until they are documented, since they are evidence of the loss.
Write down every call, who you spoke with, and what was said.
Get your own independent documentation of the damage, not only the insurer's.
Call iDri early, so the loss is documented to standard from day one.

Questions

California FAIR Plan claims, answered.

What is the California FAIR Plan claims phone number?

The California FAIR Plan claims line is 800-339-4099, and you can report a loss online any time at cfpnet.com. Your broker can also file on your behalf.

How do I file a California FAIR Plan claim?

Report online at cfpnet.com or by phone with your policy number and ZIP code. Photograph the damage, and do not make repairs beyond what is needed to protect the property from further damage.

Does the FAIR Plan cover water damage?

Usually not. The FAIR Plan is a fire policy. Water damage is typically covered under a separate Difference in Conditions, or DIC, policy carried alongside it. We handle the fire and smoke restoration and, where a DIC policy applies, the water damage too.

Do I have to use the FAIR Plan's contractor?

No. You choose your own restoration company. We document the loss to standard and bill the FAIR Plan, and your DIC carrier where one applies.

How long does the FAIR Plan have to handle my claim?

Under California's Fair Claims Settlement Practices Regulations, your insurer must acknowledge the claim within 15 days and accept or deny it within 40 days of receiving the documentation it needs.

Have a California FAIR Plan claim and damage to handle?

Call iDri. We document the loss, deal with your California FAIR Plan adjuster, and bill them directly, across the San Fernando Valley and Ventura County.

Call iDri (818) 564-5615or call our toll-free line 800-806-iDri (4374)

iDri Restoration is an independent restoration contractor and is not affiliated with, endorsed by, or approved by California FAIR Plan. California FAIR Plan is the property of the California FAIR Plan Association. All carrier names and marks are the property of their respective owners. Contact details are provided as a resource and may change, so please verify them with California FAIR Plan directly. This page is general information, not legal, financial or coverage advice.