California’s plan that provides insurance to homeowners who can’t get private coverage needs $1 billion more to pay out claims related to the Los Angeles wildfires. That’s according to the state Insurance Department on Tuesday. The FAIR Plan is an insurance pool that all the major private insurers pay into. The plan then issues policies to people who can’t get private insurance because their properties are deemed too risky to insure. The department says it’s the first time the Fair Plan has sought approval for additional money in more than 30 years.