Northern California Wildfire Lawsuits

Update: November 12, 2018
Eric Ratinoff Law Corp. is currently seeking those affected by the Camp Fire in Northern California.

The Camp Fire in Butte County, California has become the single deadliest and most destructive wildfire in California history – with nearly 30 dead and 111,000 acres burned as of today.

If you or a loved one have been injured or lost your home in a California wildfire, the attorneys at Eric Ratinoff Law Corp. can help.  Call today for a free case evaluation.

The Northern California wildfires of October 2017, known collectively as the “Wine Country Wildfires,” and the “North Bay Fires,” consisted of around 250 separate conflagrations. Twenty-one of these conflagrations became major wildfires that scorched more than 245,000 acres, destroyed 8,900 structures, and killed 43 people.

Thousands of people – our families, our friends, our neighbors – are experiencing the fallout from the worst fire tragedy in California history. The losses are immense and the full extent is yet to be realized. As victims of this disaster begin to evaluate their situation and move towards the long recovery process, many questions remain. Were the fires preventable? What is the best way to deal with insurance companies? How can the maximum recovery be obtained for losses? What options are there for the uninsured?

California Wildfire Resources

In reaction to this tragedy, Eric Ratinoff Law Corp, Jackson and Parkinson and Demas Law Group, P.C. came together as Wildfire Trial Lawyers to assist those affected by the Northern California fires. Together, with prominent local Santa Rosa attorneys, Friedemann and Goldberg, LLP, we are helping those affected by the fires to rebuild their lives and community.

If you’re one of the thousands of Californians who had to evacuate, lost your home, suffered injuries, were otherwise affected by the fires, contact us. Our attorneys are experienced, prepared, and ready to stand by your side during recovery.

Eric Ratinoff Law Corp represented hundreds of families and business owners after the 2015 Butte Fire in California. The firm has decades of collective experience handling wildfire cases and has recovered millions of dollars on behalf of clients. Our attorneys have spearheaded (and been appointed as lead trial counsel and/or on plaintiff’s liaison committee) some of the largest wildfire litigation in California, including:

  • The 2007 San Diego Wildfires (Rice/Witch-Guejito Fires);
  • The 2012 Wood Hollow Fire;
  • The 2015 Butte Fire; and
  • The 2016 Erskine Fire.

Eric Ratinoff’s expertise handling wildfire claims puts him and his team in a unique position to aid those who suffered injuries, deaths of loved ones, property destruction, and other damages in the Wine Country Fires.

Northern California Wild Fire Facts

The recent outbreak of wildfires made history in California, breaking previous wildfire records. Several of the main fires are now on the list of California’s top 20 most destructive California wildfires, including Tubbs Fire, which is now number one on the list. The Tubbs Fire took 21 lives and destroyed 5,643 structures throughout Sonoma County.

The Ten Most Destructive Wildfires in California History

*Note as of November 2018, the Camp Fire is the most destructive fire in California history, in terms of acres burned and lives lost.

Other vital statistics about the Wine Country Wildfires include:

  • The wildfires broke out late on the evening of October 8th and blazed for weeks until total containment. Most of the fatalities occurred in the first several hours of the fires and most were elderly victims.
  • The main fires included Tubbs, Nuns, Atlas, Redwood, Pocket, Cascade, Cherokee, and La Porte. The Nuns Fire merged with fires Norrbom, Adobe, Partrick, Pressley, and Oakmont.
  • The Nuns Fire scorched 56,556 acres, over 1,300 structures, and took two lives; the Atlas Fire, 51,624 acres, 715 structures, and six lives; Redwood, 36,523 acres, 540 structures, nine lives; and the Cascade Fire scorched 9,989 acres and took four lives.
  • The ages of the 43 deceased victims of the wildfires range from 14 to 100 years old. The Tubbs Fire twas the deadliest wildfire, accounting for 21 deaths.
  • Air pollution from the fires brought Napa’s air quality down to the poorest in the country by October 12th. High levels of ozone and particulates in the air from the smoke made the air quality “hazardous” by October 13th – the worst level on the scale. More than 250 people in Solano County went to the hospital for illness relating to air quality.
  • The causes of the fires are still under investigation. Cal Fire and the California Public Utilities Commission are investigating Pacific Gas & Electric Company (PG&E) for potentially starting or contributing to the fires due to poorly maintained electrical lines.

After decades of decline in the number of wildfires in California, the last ten years has seen a significant spike.

Certainly, a combination of drought periods and urban sprawl has put thousands more homes and structures at risk of destruction in wildfires. Looking at California wildfires by jurisdiction certainly bears this out. Wildfires have drastically increased in local government jurisdictions, from 459 in 2008 to 2,923 in 2016.

Why You Need A Wildfire Loss Attorney

After a devastating wildfire, your first course of action should be to call your insurance company. You will need to contact the agents for your home, business, and/or vehicle insurance companies and file claims regarding the damage that occurred in the recent fires. Unfortunately, you will find that you don’t have enough insurance to cover total losses.

You may also find that your insurance company significantly undervalues your claim, offering much less than the actual value of your damages from smoke, fire, and partial property losses. This is why you need an attorney. An attorney will go to bat for you and your family in the face of undervalued insurance settlement offers. By retaining an attorney, you’re protecting yourself from agreeing to a settlement that’s much less than you deserve – or from going home with no settlement at all.

Your attorney will serve as your confidant and greatest ally in the face of fire-related property damage and other losses. With an attorney, you also have the opportunity to potentially file a claim or join a class action should the ongoing investigations find that PG&E is at fault for starting the fires. Taking legal action against the responsible party as a victim with personal injuries, total property loss, or a deceased loved one can result in more money for you and your family.

Steps to Take When Dealing with an Insurance Company After a Wildfire Loss

When you call your insurance company about wildfire losses, you will speak to an agent who directs you to take stock of all of your losses. Write down what property the fire destroyed, including household items, and their approximate values. Upon filing your claim, your insurance company will appoint a representative to investigate your particular case. Here are steps to take during the insurance claims process to maximize recovery:

  1. Ask for an advance. If you had to evacuate your home, you will have expenses such as a hotel bill and basic necessities. Save your receipts and ask your insurer for an advance to cover these expenses. Homeowners’ insurance policies will replace these costs without you needing to wait for them to process your claim.
  2. Minimize property damage. Your insurance company will ask what you’ve done to minimize the damage to your property. Your policy requires that you take reasonable action to “mitigate damages,” including contacting the fire department and boarding up your home to protect from vandals.
  3. File a claim right away. Most policies have time limits for filing, and ask that you file your claim as soon as possible after a wildfire. You will need to submit a “proof of loss” claim that includes a detailed list of all items you lost and their values. Include as much information as possible, including the date of the loss, location of damage, any injuries, the condition of your home/business, and a police report.
  4. Document everything. Treat all documents and files relating to the wildfire as important. Keep receipts and documents such as repair estimates, medical bills, hotel and living expenses, and insurance documents. Create a file to keep all of this information in one organized place. Files can serve as evidence of your losses in the future.
  5. Be diligent. If you have a smoke or soot claim, be extra thorough in documenting your damage. Do not leave out any item that smoke, soot, ash, or flames damaged. Even if your items don’t appear badly damaged, the smoke likely affected it. Document stained-black walls, smoke-saturated upholstery, and floors/carpeting ruined by soot. Do not enter your home or touch smoke-damaged items until the fire department gives you permission to do so, as smoke-damaged items can affect your health.
  6. Don’t leave out vegetation losses. As a property owner with significant vegetation loss, such as downed trees and scorched brush, you have a major claim on your hands. Vegetation losses are expensive, and will most likely result in insurance settlement offers that are much too low. Retain Eric Ratinoff Law to take over negotiations with your homeowners’ insurance company in these situations. Our firm knows how to push for the compensation you deserve for major vegetation and tree losses after a wildfire.
  7. Continue paying insurance premiums. It is important not to have any gaps in your coverage during the wildfire claims process. Keep your company up to date on where you’re staying (your new address) to add it to your current liability coverage. You may qualify for reduced homeowners insurance premiums if the structure of your home sustained damage in the fire.
  8. Keep your claim open. A fast settlement offer from your insurer may tempt you, but realize that accepting the check typically closes your claim. You do not have to accept the first settlement offer or that your claim is closed. It may be in your best interest to keep your claim open while investigations are still underway. You may find additional fire-related damages that you or the insurance company overlooked.
  9. Retain an attorney. Don’t accept the insurance company’s first settlement offer without first talking to an insurance attorney. It is more than likely not as much as your claim is actually worth. The company may overlook losses or underestimate their values. Working with an attorney often results in a much larger settlement offer than without one. Contact Eric Ratinoff Law Corp for assistance negotiating with insurance companies.

Don’t let your insurance company take advantage of you or get away with offering less than your claim is worth. The price of an attorney can be well worth it if your lawyer helps you obtain much more for your claim than you would have alone. In the aftermath of a destructive event like a wildfire, it can be easy to jump on the first settlement offer. Instead, contact our firm for a free case evaluation. You may be surprised to find that your case is worth significantly more than your first offer.

Call Our Northern California Wildfire Loss Attorneys

Eric Ratinoff Law Corp is here to help you sort through the aftermath of the Wine Country Wildfires in Northern California. We understand what your homeowners’ insurance policy will cover, including the costs of evacuation, relocation, basic necessities, property damage and destruction, the contents of your home, vegetation, and more. Our team has the expertise and litigation experience to push insurance companies into offering fair settlement amounts.

Eric Ratinoff and our team of attorneys can give you information about the possibility of filing a personal injury or wrongful death claim against PG&E or other entities for causing the fires. There have already been civil claims brought against the utility company in regard to fire-related losses. Learn about your specific rights during a free, no-obligation consultation. Call (916) 970-9100 or contact us online to schedule your consultation, and we’ll meet with you when and where it’s most convenient. You don’t have to deal with wildfire losses on your own. We are here for you.