After the Los Angeles fires, their insurer told them they could return home.

• Zaire Calvin grew up in Altadena. For nearly a year since the Eaton fire destroyed his town, he has become a voice for his community.

• His mom bought his childhood home in the 1970s when Altadena was one of the few places Black families could own properties. Years ago, he bought the house next door. Both homes are gone now.

A coalition of Eaton Fire survivors and advocates is urging Southern California Edison to provide housing support for those still struggling after losing their homes.

Fire survivors are calling for longer timelines on mortgage forbearance and better policy to stop credit hits as the expiration of mortgage protections looms nearly a year after the most destructive fires in L.A. County history.

After the Eaton and Palisades fires, hundreds of mortgage companies promised to let borrowers delay their monthly payments for 90 days. In September those protections were extended and enhanced when Gov. Gavin Newsom signed Assembly Bill 238 into law. That allowed survivors to request forbearance for up to 12 months, without requiring full repayment at the end of the forbearance period.

Ever since, fire survivors have said some mortgage lenders are not adhering to those rules.