Consumer Watchdog, a California consumer advocacy nonprofit involved in the recent State Farm rate settlement, has launched a dedicated complaint form specifically for LA wildfire survivors with unresolved insurance problems. A formal Market Conduct Examination of State Farm’s wildfire claims handling found a pattern of unlawful behavior in more than half the claims reviewed. Nearly half of all wildfire consumer complaints filed with California regulators involved smoke damage. The DOI examiners found a consistent pattern: State Farm denied required environmental testing without providing the written notices California law mandates. For background on the July 23 rate settlement and what California State Farm policyholders can expect on refunds, see our earlier coverage here.