In the aftermath of devastating wildfires, many California homeowners are uniting against insurance companies, alleging collusion and inadequate support. Victims of the Eaton Fire are particularly vocal, demanding investigations into State Farm for claim delays and violations. Meanwhile, the California FAIR Plan is facing lawsuits as homeowners report nonpayment for fire damages and unjustified surcharges. Consumer advocacy groups are stepping in, suing to block these surcharges and hold insurers accountable. As the emotional toll of these disasters continues to rise, homeowners express frustration over the complexities of the insurance landscape, leaving many without necessary support during a critical time.