While homes might be accessible, hazardous fire debris, containing asbestos and other toxins, might render them uninhabitable.

Risk managers say the economy is one potential bright spot.

More than 30,000 claims have been filed so far.

Policyholder fees could pass some of the assessment cost on to consumers.

The company is the latest California insurer to report a billion-dollar hit.

The program will borrow money from the government to cover claims.

Climate change could make hail damage worse.

First Street: Disaster-prone areas could see large insurance increases, sinking home values and population loss.