A few isolated incidents of farmers in San Diego County losing their insurance plans four months ago has now spread throughout the state in areas of high fire risk, according to the California Farm Bureau.
Most were able to insure their homes through the California Fair Plan. But infrastructure like barns, storage buildings and greenhouses are excluded from this insurance plan of last resort.
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Many assumed because farms and ranches are businesses they would be included. Yet the governing statute for the Fair Plan, dating back to the 1960s, specifically excludes “farm risk.”
The Farm Bureau is working with the insurance industry and state officials on the issue.