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

Survivors of the Eaton fire gathered Thursday morning in Pasadena to condemn State Farm’s alleged mishandling of a slew of claims by policyholders who suffered losses in the blaze.

They could then temporarily surcharge their own policyholders for half of what they are assessed with Lara’s approval.

It has pledged to return with interest any payments made by its policyholders under the emergency rates if they exceed what the company is ultimately granted.

They include allowing insurers to charge their California policyholders for the costs of reinsurance, which is acquired from other insurers to limit potential damage costs after a catastrophic event such as the L.A. fires.