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The policyholders in the suit, as well as several other impacted homeowners, the lawsuit said, are unable to rebuild their homes without “relief from the legal system.”

However, early on, policyholders told The Times that the company was being “stingy,” particularly in how it handled smoke-damage claims.

One lawsuit is a proposed class action and seeks to have policyholders compensated for the alleged higher premiums they paid.

Any assessments that exceed those limits can be completely passed on to policyholders.

Those private insurers can then temporarily add surcharges to the premiums paid by their own policyholders to recoup 50% of that, or $500,000.