Far too many people had to get familiar with the insurance industry in California this year. Fire destroyed hundreds of homes, many in the Redding area.
The situation gets worse as the climate changes and the fire "season" goes year-round. So California's Insurance Commissioner ordered a report on the financial stresses on the insurance system, which is forced to pay out billions of dollars for people who lost property to fire and other disasters.
The report--appropriately called "Trial By Fire"--came out in September. Commissioner Dave Jones joins us with details of the findings.