California homeowners sue FAIR Plan, insurer of last resort, over smoke damage coverage

California homeowners are suing the FAIR Plan, the state’s last option for those needing fire insurance, accusing it of failing to provide the legally required coverage for smoke damage.

The class action case, filed Wednesday in Alameda County court, is being brought on behalf of the more than 350,000 policyholders on the FAIR Plan — a state-created pool of private insurers required to provide fire coverage to homeowners who can’t find it elsewhere.

Dylan Schaffer, an attorney representing the plaintiffs...