They WERE insured. State Farm dropped them just 2 weeks before the fires.
That gave them two weeks to find another insurer... If you lose insurance on something you own today, you better get new insurance by tomorrow. That’s on you... And nobody else.
Insurance companies can’t just drop your coverage. They have to give you 30 days notice. Might be longer in CA.
People who got letters of non-renewal two weeks ago would still be covered under their original unexpired policy.
I looked it up. CA requires a 75 day non renewal period. The insurance companies are required to notify you 75 days in advance of your insurance renewal date that they are not renewing.