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Carr and Mendocino Complex fire insurance claims top $845 million

News: 2018 Press Release

For Release: September 6, 2018
Media Calls Only: 916-492-3566
Email Inquiries: cdipress@insurance.ca.gov

Carr and Mendocino Complex fire insurance claims top $845 million
Insurance Commissioner releases new report that examines climate change impact on wildfires

SAN FRANCISCO, Calif. — Insurance Commissioner Dave Jones today announced that insured residential and commercial losses from the Carr and Mendocino Complex fires top $845 million and are now counted among the most destructive wildfires in the state's history. The insurance commissioner also provided an update on the insured losses from the 2017 wildfires and 2018 Montecito mudslides and announced a new report that details how climate change contributes to wildfire losses.

"Our wildfire history tells the story of how our fire season has changed over the years from a four-month season to a year-round threat," said Commissioner Jones. "Over the past two decades, the frequency and severity of wildfires has increased and caused significant property damage and the tragic loss of life in the wildland-urban interface areas of the state. Even more troubling is that areas once considered not to be high risk are now being scorched by wildfires."

Data collected by the department shows that the widespread destruction from the Carr and Mendocino Complex fires resulted in damaging or destroying more than 8,800 homes, 329 businesses, and more than 800 private autos, commercials vehicles, and other types of property. More than 10,000 claims have been filed, totaling $845 million in insured losses.

According to CALFIRE, of the Top20 Most Destructive California Wildfires, in terms of structures destroyed, 17 occurred after September 1st. Fire officials and experts warn that potentially the worst is yet to come.

"The Carr and Mendocino Complex fires not only caused staggering losses to thousands of Californians, they devastated entire communities and tragically cost many people their lives, and were among the most destructive fires in our state's history," added Commissioner Jones. "We should remember that the vast majority of California's most destructive fires occurred after September 1st, and fire experts tell us that the worst fires for 2018 may still be ahead of us."

The commissioner also released a new report, Trial by Fire: Managing Climate Risks Facing Insurers in the Golden State, which examines the challenges and opportunities associated with climate risk, climate change, and insurance. The report further shows how climate change is a contributor to wildfire losses in California and discusses Commissioner Jones' efforts to get insurers to consider climate risk and the role insurance can play in addressing the three types of climate risks facing insurance companies: physical, transition and litigation risks.

"Our Trial by Fire report is an important contribution to a better understanding of how climate risk and climate change impact the insurance industry and Californians," said Jones. "As Insurance Commissioner, one of my responsibilities is making sure insurance companies take into account and address climate-related physical, transition and liability risks, which can have consequences for insurers' underwriting and the investing of their reserves. I'd like to thank our partners who joined us to author this report, which provides critical information about the climate-related risks for the insurance sector and Californians and what is and should be done to address those risks."

The report was authored by Dr. Evan Mills, Principal of Energy Associates, a California-based energy and environmental consultancy, the climate policy experts at UC Berkeley School of Law's Center for Law, Energy & the Environment, and the California Department of Insurance.  

"The Trial by Fire report is unique in its simultaneous focus on insurance and climate change in the California context, and it is the first of its kind to emanate from the offices of a forward-looking state insurance regulator," said Dr. Evan Mills. "Regulators are the natural entities to look into this, as their role is to safeguard the financial viability of insurers while maintaining availability, affordability, and adequacy of insurance for consumers. As we see in the wildfire data released today, regulators are also important compilers and distributors of raw data on loss costs."

Co-authors from UC Berkeley School of Law, Ted Lamm and Ethan Elkind, along with climate change experts Alice Hill of Stanford University Hoover Institution and Dr. Ben Caldecott of the University of Oxford have provided statements supporting the Trial by Fire report.

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Media Notes:

  • Commissioner Jones visited the wildfire zones throughout California and met with residents at local assistance centers where he heard first-hand the harrowing stories of loss from victims. Jones took extraordinary steps to assist wildfire victims including issuing notices to insurers to expedite claims, dispatching detectives from the department's law enforcement team to educate residents about how to avoid being victimized by scam artists, and deploying consumer services teams to every local assistance center to personally meet with consumers. The Department of Insurance has obtained over $50 million for 2017 fire survivors by assisting them with the insurance claims process.
  • Consumers that have any difficulty with their insurer will find the department's consumer services team stands ready to assist at 800-927-4357. The department has recovered more than $470 million dollars for consumers since Jones took office in 2011.
  • Digitized Replay: Scheduled to begin on: 09/06/18 at 12:30PM ends: 09/13/18 at 12:30 PM Telephone: (USA) (800) 475-6701 Access Code: 454153


Led by Insurance Commissioner Ricardo Lara, the California Department of Insurance is the consumer protection agency for the nation's largest insurance marketplace and safeguards all of the state’s consumers by fairly regulating the insurance industry. Under the Commissioner’s direction, the Department uses its authority to protect Californians from insurance rates that are excessive, inadequate, or unfairly discriminatory, oversee insurer solvency to pay claims, set standards for agents and broker licensing, perform market conduct reviews of insurance companies, resolve consumer complaints, and investigate and prosecute insurance fraud. Consumers are urged to call 1-800-927-4357 with any questions or contact us at www.insurance.ca.gov via webform or online chat. Non-media inquiries should be directed to the Consumer Hotline at 800-927-4357. Teletypewriter (TTY), please dial 800-482-4833.

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