Now that southern California residents are returning to what's left of their homes (if there is anything) the next step will be the grim task of calculating their losses. At least 1,800 homes have been destroyed and more damaged. Phone calls are pouring in to insurers, who are faced with covering much of the estimated $1 billion in property damage.
California Insurance Commissioner Steve Poizner declared an insurance emergency in the state. An insurance emergency enables the commissioner to instruct insurance companies to bring in out-of-state insurance adjusters so that they can have all the man power they need to process claims quickly and efficiently. This usually isn't done under California law.
He speaks with Scott Simon.