In December 2024, State Farm canceled 1,600 policies in Pacific Palisades. Six months later, that neighborhood would lie in ruins. Through exclusive interviews with displaced residents and industry insiders, this episode reveals how insurance companies systematically abandoned California homeowners months before the most destructive wildfire in Los Angeles history.

From a mother protecting her 90-year-old parents' home with a garden hose to multimillion-dollar mansions reduced to ash, we examine how the insurance industry's calculated retreat left thousands of families exposed to catastrophic loss. As damages approach $57 billion and the California FAIR Plan faces potential collapse, this investigation exposes disturbing parallels between property and health insurance giants' systematic abandonment of their most vulnerable customers. The pattern is familiar - but this time, we watched it happen in real-time.

Keywords: Pacific Palisades fire, California insurance crisis, State Farm cancellations, FAIR Plan collapse, wildfire insurance, climate change impact, property insurance denial

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