ALTADENA, Calif. (KABC) -- It's been nearly nine months since the January wildfires, and hundreds of homeowners still aren't seeing a path to recovery.

Many homeowners on the California FAIR Plan, the insurer of last resort for fire coverage, are especially frustrated.

Some policy holders whose homes are still intact but suffered damaged and were contaminated by smoke are seeing their claims being denied.

They feel the FAIR Plan is acting in bad faith.

7 On Your Side Investigates met with Lily Caffey, whose home in the Pacific Palisades is still standing, but she'll only step inside if she wears protective gear from head to toe.

Walking through her front door is like stepping back in time.

"Seeing everything is ... it still feels like it was yesterday," she said.

She also hasn't

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