Commissioner Lara and Los Angeles DA Hochman announce rapid response effort to prevent and prosecute insurance fraud
News: 2025 Press Release
LOS ANGELES — Insurance Commissioner Ricardo Lara and Los Angeles County District Attorney Nathan Hochman today announced a rapid response effort to prevent and prosecute insurance fraud targeting wildfire survivors. The partnership focuses on raising awareness, prosecuting fraud, and equipping survivors with tools to navigate recovery safely.
“Scammers exploit vulnerable times, preying on survivors with false promises and fraudulent schemes,” said Commissioner Lara. “We’ve seen this in past wildfires. By partnering with the Los Angeles County District Attorney’s Office, we’re amplifying protections for wildfire victims and empowering consumers to protect themselves. My Department is committed to guiding you with resources to make informed decisions and avoid scams.”
“Our Office’s fraud-fighting prosecutors have a message for scammers: You will not get away with impersonating insurance companies in order to steal from wildfire victims in Los Angeles County,” said Los Angeles County District Attorney Nathan Hochman. “Our Office is on high alert for insurance scams and we will relentlessly pursue and seek the maximum punishment for the criminals who seek to exploit the victims of the LA County fires. I would like to thank Commissioner Ricardo Lara for his partnership in standing up for LA County fire victims during this ongoing disaster and as we prepare for recovery. Insurance fraud will not be tolerated under any circumstances.”
Disaster Assistance Response Team (DART) Deployed
Commissioner Lara has deployed the Department of Insurance’s Disaster Assistance Response Team (DART) to wildfire-affected areas to protect survivors from scams and fraud. In coordination with the Contractors State License Board and other state agencies, DART educates residents about their rights, checks contractor and vendor licenses, and ensures compliance with state regulations.
As survivors begin recovery, DART provides essential guidance to help homeowners understand their insurance coverage, identify legitimate contractors, and comply with key regulations, such as the seven-day ban on public adjusters soliciting business after disaster areas reopen.
The Los Angeles County District Attorney’s Office’s Fraud & Corruption prosecutors work closely with county and state agencies to hold individuals and businesses accountable for fraud, including insurance, public benefits, and charitable donation scams. The Office recovers millions of dollars in restitution annually from bad actors. Penalties for fraud can also include fines and time in jail or prison.
Statewide Efforts to Prevent Fraud
California's Department of Insurance has a proven record of combating fraud. Since 2019, the Department has provided over $550 million in funding to District Attorney offices statewide, including $116 million to Los Angeles County, to support local investigations and prosecutions of insurance fraud. This includes $14.5 million for the 24-25 fiscal year.
In previous wildfires, the Department arrested individuals engaged in fraud, including one case where a person falsely posed as legal counsel, filed fraudulent smoke and ash claims, and pocketed settlement checks.
To address common scams like public adjuster fraud, Commissioner Lara issued a Notice reminding public adjusters to adhere to strict laws governing their conduct. Survivors should carefully review adjuster contracts, understand fees—typically a percentage of the insurance claim—and verify the adjuster’s license on the Department’s website.
What’s Next
Commissioner Lara is hosting free two-day insurance support workshops on January 18 and 19 in Santa Monica and January 25 and 26 in Pasadena to help survivors understand their insurance policies and the claims process, while also providing information about available resources for rebuilding and recovery. These workshops are open to all those impacted by the recent wildfires. Call 800-927-4357 to schedule a one-on-one appointment with a Department of Insurance expert.
The Department has resources for disaster survivors and strongly encourages consumers to check out these resources, including how to avoid scams after a disaster as there is often unscrupulous individuals who try and take advantage of disaster survivors who can be vulnerable during a challenging time. Consumers who have questions on their insurance or wish to file a complaint against a public adjuster can do so on the Department’s website or by calling 800-927-4357.
The Department urges consumers to check the public adjuster’s license and make sure they are properly licensed and in good standing by visiting the Department’s website or by calling 800-927-4357. Also homeowners’ should be sure to check the contractor’s license with the Contractors’ State License Board.
# # #
Media Notes:
- Don't Get Scammed After a Disaster Information Guide - English
- Evite Las Estafas Después de un Desastre Information Guide - Spanish
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.
