Trouble with Insurance? This New Bulletin Could Help

A new bulletin from the California Department of Insurance says smoke damage is covered — and testing should be too.

If your insurance provider is refusing to cover pre-remediation testing, you’re not alone — but you may have more rights than they’re telling you.

On March 7, 2025, the California Department of Insurance issued a new bulletin that makes it clear:

Smoke damage is covered. And insurers should be paying for testing.

Here’s What the Bulletin Says:

• Smoke damage …