The number of policies in the FAIR plan have increased as standard carriers have non-renewed policies exposed to wildfire hazards. (Photo: Shutterstock)
Fair Access to Insurance Requirements, known as FAIR plans, were developed, in part, because the high frequency of fire losses in urban areas made it difficult for property owners to find insurance coverage. Coverage was also provided for areas where riots were prevalent and carriers were reluctant to provide coverage. Many plans started in 1968 when Congress established the National Insurance Development Program to offer insurance coverage for riots.
Coverages and eligibility requirements vary by state. Coverage can be provided for both personal and commercial lines. The FAIR plan in California was designed not just for urban areas that had experienced riots, but also for areas that had sustained brush fires.
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Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.
