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California home insurers that denied the most claims

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California home insurers that denied the most claims


The wildfires that have ravaged Southern California over the past week have wiped out entire neighborhoods, destroying and damaging thousands of homes in Los Angeles County. If analysts’ estimates of the damages prove correct, it could be the largest wildfire insured loss in United States history.

As insurance companies operating in the area expect a barrage of damage claims in the coming days and weeks, Newsweek looked at insurers that previously declined the most claims.

Why It Matters

The California Department of Forestry and Fire Protection, or Cal Fire, estimates that the Palisades fire, which was 19 percent contained on Wednesday morning, has destroyed 2,191 structures and damaged 397 more since it started on January 7. The Eaton fire, which was 45 percent contained as of Wednesday morning, is estimated to have destroyed 4,627 structures and damaged 486 others.

Experts expect the losses linked to the fires to be enormous. According to the latest estimates by forecaster AccuWeather, the total damage and economic loss caused by the fires could reach between $250 billion and $275 billion. That put the fires on track to be among the costliest natural disasters in U.S. history.

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Many homeowners who lost their homes to the fires will count on their insurers to help them rebuild. A claim rejection might ruin their chance to get back on their feet after tragedy struck.

A man surveys the remains of his home destroyed in the Eaton Fire, on January 8. Some of the biggest insurers in California had the highest number of national claim denials in 2023, according to…


DAVID PASHAEE/Middle East Images/AFP via Getty Images

What To Know

Newsweek has looked at how many damage claims the biggest insurers in California for market share closed without payment nationwide in 2023, using the latest data made available by Weiss Ratings.

Los Angeles-based Farmers Insurance had the highest rate of closures with no payment at the national level of all insurers operating in California. The insurer, which according to the California Department of Insurance (CDI) had a 14.9 percent market share in the Golden State in 2023, closed a total of 257,189 claims across the country with no payment that same year—equal to 49.7 of all claims closed in 2023.

Two USAA affiliates had the second-highest rate of claim denials. USAA General Indemnity Co denied 48 percent of all claims closed in 2023 across the country, for a total of 273,994 claims closed without payment; USAA Casualty Ins Co closed 428,116 claims with no payment, also equal to 48 percent of all claims closed that same year.

Newsweek reached out to USAA for comment via email on Wednesday.

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Allstate Insurance closed 893,407 claims with no payment in 2023 at the national level, equal to 46.4 percent of all claims the company closed that year.

In 2023, Allstate was the sixth-largest insurer in California, with a 6 percent market share in the state; USAA followed with 5.7 percent.

State Farm General, the largest insurer in California in 2023 with a market share of 21.22 percent, denied 37.8 percent of all claims closed that same year nationwide without payment, for a total of 29,624.

Farmers, USAA and Allstate all sell more policies out of state than State Farm.

Still, these companies’ denial rates were much higher than the national average. By comparison, home insurers across the country denied an average of 37 percent of claims in 2023, according to Weiss Ratings. Weiss Ratings is an independent rating agency founded in 1971.

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What People Are Saying

Weiss Ratings founder Martin D. Weiss said in September 2024, when the 2023 report was released: “There’s nothing normal about these high denial rates. They’ve been creeping up steadily for nearly two decades and have now reached alarming levels, especially among some of the biggest providers in disaster-prone states like Florida and California.

“The public can’t even begin to cope with the property insurance crisis until both the industry and their regulators provide full transparency, a change in standard operating procedure that may not be possible without strong ‘Truth in Insurance’ legislation.”

A spokesperson for State Farm told Newsweek last week: “Our number one priority right now is the safety of our customers, agents and employees impacted by the fires and assisting our customers in the midst of this tragedy.”

A spokesperson for Farmers told Newsweek last week: “We are currently focused on assisting customers who are impacted by the devastating fires and strong winds affecting Southern California. Our specially trained Farmers Catastrophe Response Team members have already begun to provide assistance to customers and we are urging local residents to remain vigilant.”

A spokesperson for Allstate told Newsweek last week: “Right now, we’re focused on helping our customers recover and rebuild their lives. We’re supporting customers who have filed claims and have teams ready to move into California once it’s safe to help on site. Allstate policyholders affected by the wildfires can file their claim through the Allstate® Mobile app, online, by calling 1-800-54-STORM, or their local agent. We’re here for our customers.”

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What’s Next

The scope of the damages caused by the fires is yet to be defined and will depend on when firefighters will manage to contain and extinguish the flames. Dangerous winds kept Southern California at risk on Wednesday, though firefighters have made progress against the blazes.

According to the National Weather Service in Los Angeles, winds will calm down later this week.



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Poisonings from ‘death cap’ mushrooms in California prompt warning against foraging

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Poisonings from ‘death cap’ mushrooms in California prompt warning against foraging


After a string of poisonings from “death cap” mushrooms — one of them fatal — California health officials are urging residents not to eat any foraged mushrooms unless they are trained experts.

Doctors in the San Francisco Bay Area have blamed the wild mushroom, also called Amanita phalloides, for 23 poisoning cases reported to the California Poison Control System since Nov. 18, according to Dr. Craig Smollin, medical director for the system’s San Francisco division.

“All of these patients were involved with independently foraging the mushrooms from the wild,” Smollin, who is a professor of emergency medicine at the University of California, San Francisco, said at a news conference Tuesday. “They all developed symptoms within the first 24 hours, including nausea, vomiting, diarrhea and abdominal pain.”

Smollin said some of the patients were parts of cohorts that had consumed the same batch of foraged mushrooms. The largest group was about seven people, he said.

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All of the patients were hospitalized, at least briefly. One died. Five remain in hospital care. One has received a liver transplant, and another is on a donation list awaiting a transplant, Smollin said. The patients are 1½ to 56 years old.

Mushroom collectors said death cap mushrooms are more prevalent in parts of California this season than in years past, which could be driving the increase in poisonings.

“Any mushroom has years that it’s prolific and years that it is not. … It’s having a very good season,” said Mike McCurdy, president of the Mycological Society of San Francisco. He added that the death cap was one of the top two species he identified during an organized group hunt for fungi last week, called a foray.

In a news release, Dr. Erica Pan, California’s state public health officer, warned that “because the death cap can easily be mistaken for edible safe mushrooms, we advise the public not to forage for wild mushrooms at all during this high-risk season.”

Dr. Cyrus Rangan, a pediatrician and medical toxicologist with the California Poison Control System, said the “blanket warning” is needed because most people do not have the expertise to identify which mushrooms are safe to eat.

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Still, he said, “it’s rare to see a case series like this.”

The California Poison Control System said in a news release that some of the affected patients speak Spanish and might be relying on foraging practices honed outside the United States. Death cap mushrooms look similar to other species in the Amanita genus that are commonly eaten in Central American countries, according to Heather Hallen-Adams, the toxicology chair of the North American Mycological Association. Because death caps are not often found in that region, foragers might not realize the potential risk of lookalikes in California, she said.

Anne Pringle, a professor of mycology at the University of Wisconsin-Madison, said there is a litany of poisoning cases in which people misidentify something because their experience is not relevant to a new region: “That’s a story that comes up over and over again.”

An Amanita phalloides mushroom in Hungary. The species originated in Europe and is invasive in the U.S. Anne Pringle

Over the past 10 years, mushroom foraging has boomed in the Bay Area and other parts of the country. At the same time, information resources about mushroom toxicity — reliable and otherwise — have proliferated, as well, including on social media, phone apps and artificial intelligence platforms. Experts said those sources should be viewed with skepticism.

Longtime mushroom hunters maintain that the practice can be done safely. McCurdy, who has collected and identified mushrooms since the 1970s, said he bristled at the broad discouragement of foraging.

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“No, that’s ridiculous. … After an incident like this, their first instinct is to say don’t forage,” he said. “Experienced mushroom collectors won’t pay any attention to that.”

But McCurdy suggested that people seek expertise from local mycological societies, which are common in California, and think critically about the sources of information their lives may be relying on.

Pringle and McCurdy both said they have seen phone apps and social media forums misidentify mushrooms.

“I have seen AI-generated guidebooks that are dangerous,” Pringle said.

The death cap is an invasive species that originated in Europe and came to California in the 1930s, most likely with imported nursery trees. The mushroom is usually a few inches tall with white gills, a pale yellow or green cap and often a ring around the base of its stalk.

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The species is found across the West Coast and the Eastern Seaboard, as well as in Florida and Texas, according to Hallen-Adams, who is also an associate professor of food science at the University of Nebraska-Lincoln.

In California, it typically grows near oak trees, though occasionally pines, too. The mushroom’s body is typically connected to tree roots and grows in a symbiotic relationship with them.

The toxin in death cap mushrooms, called amatoxin, can damage the kidneys, liver and gastrointestinal tract if it is ingested. It disrupts the transcription of genetic code and the production of proteins, which can lead to cell death.

Hallen-Adams said the U.S. Poison Centers average about 52 calls involving amatoxin each year, but “a lot of things don’t get called into poison centers — take that with a grain of salt.”

Amatoxin poisoning is not the most common type from mushrooms, but it is the most dangerous, she added: “90% of lethal poisonings worldwide are going to be amatoxin.”

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It takes remarkably little to sicken a person.

“One cubic centimeter of a mushroom ingested could be a fatal dose,” Hallen-Adams said.

Symptoms of amatoxin poisoning often develop within several hours, then improve before they worsen. There is no standard set of medical interventions that doctors rely on.

“It’s a very difficult mushroom to test for,” Rangan said, and “also very difficult to treat.”

One drug that doctors have leaned on to treat some of the California patients — called silibinin — is still experimental and difficult to obtain.

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“All of our silibinin comes from Europe,” Hallen-Adams said.

Death cap mushrooms have continued to grow abundantly since their introduction, and Pringle’s research has shown that the species can reproduce bisexually and unisexually — with a mate or by itself, alone — which gives it an evolutionary advantage.

“If Eve can make more of herself, she doesn’t need Adam,” Pringle said. “One of the things I’m really interested in is how you might stop the invasion, how you might cure a habitat of its death caps. And I have no solutions to offer you at the moment.”



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Adorable dachshund named California’s newest Farm Dog of the Year

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Adorable dachshund named California’s newest Farm Dog of the Year


SAN FRANCISCO (KGO) — A huge congratulations are in order for California’s newest Farm Dog of the Year.

A small dude for a big job, Willy the dachshund won his family a grand prize of $1,000 for his hard work.

MORE: Loyal dog leads deputy to injured grandma, video shows

He helps wrangle animals on farms and ranches in Shasta, Tehama, and Siskiyou counties.

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Willy rides atop a horse in this photo from the California Farm Bureau Federation.

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Despite not being a typical herding breed, Willy is been trained to corral livestock with his bark and lively energy.

MORE: French bulldog mix Petunia takes crown at World’s Ugliest Dog Contest in Sonoma Co.

He dabbles in horseback riding and helps control critters on the farm, and he tags along on his dad’s adventures into the woods for logging work.

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Northern Lights May Be Visible In CA Tonight: Report

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Northern Lights May Be Visible In CA Tonight: Report


CALIFORNIA — Californians may have another chance at seeing the northern lights Monday night, due to a solar flare-up, according to a report by the San Francisco Chronicle.

The solar storm is the result of a coronal mass ejection, which happens when solar material and magnetic fields erupt, according to the National Oceanic and Atmospheric Administration. The aurora borealis is powered by magnetic storms, which are triggered by solar activities such as flares.

Due to this flare, the aurora borealis will be visible late Monday night and into early Tuesday morning over many northern states and parts of the lower Midwest, according to NOAA predictions.

“As billions of charged particles collide with Earth’s magnetic field, these collisions produce lights and, depending on the molecules and location in the atmosphere, can produce green, blue, or even red aurora lights,” Accuweather experts explained.

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Last month, the Northern Lights were even visible in Southern California.

The Northern Lights were also visible in the Bay Area back in June, making 2025 a banner year for the phenomenon, which can’t often be seen in the Golden State.

Back then, scientists marveled that there were two coronal mass ejections so close together in 2024 and 2025.

“The fact that we’ve had a similar incident two years in a row — that’s exceptionally unusual,” Chabot Space and Science Center astronomer Gerald McKeegan told SFGATE.

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Read more from the San Francisco Chronicle.

Patch Staffer Ashley Ludwig contributed to this report.



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