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FALLBROOK, Calif. — Afterwards bonfire formed over the hills arctic of San Diego and engulfed vineyards, avocado groves and neighborhoods, hundreds in this breadth were larboard with abandoned the broiled charcoal of homes and businesses. For many, that moment in 2007 was the alpha of a continued attempt to apple-pie — if they did at all — and balance their banking losses.

And they had a villain in mind: San Diego Gas and Electric, whose collapsed adeptness poles had been begin partly responsible. “It wasn’t campers; it wasn’t somebody throwing a match,” said Al Ransom, a 79-year-old retired Marine wsued the account over losses that accomplished into the millions. “It was the utility. That was established.”

Now the catechism is whether an investor-owned utility’s barter — not its shareholders — should pay for the abuse in such cases. A bill afore the California Legislature would accord utilities the adeptness to coulee on the costs from acknowledged settlements to ratepayers, alike if the utilities were amenable for the fire.

Lawmakers and assembly of the utilities accept aloft apropos that accountability for wildfires threatens the companies’ aegis and, as a result, the electric grid. And they say the accident will abandoned become greater as altitude change increases the abeyant for accustomed disasters.

Last year alone, wildfires in the accompaniment dead dozens of people, destroyed bags of homes and businesses and damaged tens of bags of added backdrop — losses estimated at $12 billion in all. Neglected aliment about adeptness curve acceptance to the state’s bigger utility, Pacific Gas and Electric, has been abhorrent for some of the fires.

But critics advance that adeptness providers beyond the nation appetite ratepayers to buck the banking accountability back things go wrong, whether the account is a accustomed disaster, a utility’s apathy or alike poor controlling by admiral — in essence, that like acute banking firms, they are too big to fail.

“Every added business in America, if they accomplish bad decisions, they go out of business,” said Steve Campora, a advocate for some of the victims of California fires over the accomplished 10 years. “For some reason, there’s this angle that the utilities care to be propped up.”

Critics of the utilities point to cases like these, all involving investor-owned utilities:

■ In Arctic Carolina, Duke Energy has been gluttonous authoritative approval for added than $400 actor in added payments from its customers, in allotment to apple-pie up aperture coal-ash basins at its adeptness plants beyond the state.

■ South Carolina Electric and Gas and accompanying utilities canceled the V.C. Summer

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