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Since January of this year, state regulators have approved about 100 rate hike requests involving dozens of property insurers.The insurance regulation office in Florida gave the green light to South Fidelity to raise their rates by about 30%. And regulators okayed a 30% rate hike for Capitol Preferred.Jupiter homeowner Heidi Epstein said her property rates shot up by 50% when her insurer stopped doing business in Florida. Protecting her property will now cost Heidi an additional ,500 a year."In the middle of a pandemic when everyone is not sure what their financials are going to look like, this is not the time to have everything going sky high," she said.The insurance industry blames the 2017-2018 storm season. Hurricanes Irma and Michael caused catastrophic damage and triggered more than billion in claims.Senator Jeff Brandes (R-St. Petersburg) says the storms and rampant lawsuits against insurance carriers are driving the steep hikes in rates."They are filing more and more lawsuits they know some of these insurance companies will settle, and ultimately those costs are passed on to homeowners," he said.Insurance Industry watchdog The Federal Association for Insurance Reform points to thousands of lawsuits filed by contractors. President Paul Handerhan says roofers, plumbers and others solicit homeowners through ads, calls or door knocks and convince them to file an insurance claim. Handerhan described the pitch to homeowners as: "Let us do a free inspection of your roof, let us go inside the property of your home to see if we can find any damages. We will file a claim on your behalf."Brandes says all those claims snowball and lead to premium hikes."You have hundreds if not thousands of people asking for new roofs then all of a sudden rates across the state begin to skyrocket."Pasco County homeowner Linda Cempe got a new roof after contractor Smart Storm Solutions cold-called her about possible storm damage. She said the roofer told her that "other than a minor deductible, the whole cost for the repairs, including the facia and soffits, would be covered."The I-team checked court records and found Smart Storm Solutions filed over 300 lawsuits against insurers, including Linda Cempe's carrier in 2019 alone.Smart Storm Solutions staff attorney Robert MacKinnon says the company will only canvas neighborhoods with known storm damage. He also said the company files cases when insurance companies refuse to pay the full cost of a claim."They are confirmed claims we are arguing over the extent of damages," MacKinnon said.Smart Storm Solutions also sued Larry Kohman's insurance company over his claim after cold calling the homeowner about roof damage.We checked and found court documents showing the Kohmans' insurer settled with Smart Storm Solutions over a year ago. But the contractor never returned to replace the roof."We don't sleep much," Larry said, who explained he and his wife constantly worried about the growing amount of water damage in their home caused by a leaky roof.Smart Storm Solutions' attorney blamed the pandemic for the delay in Kohman's case and apologized, saying the company should have communicated better. After we started asking questions, Smart Storm Solutions replaced the couple's roof.MacKinnon says the lawsuits his company is filing are needed to keep insurers in check and are not part of the rate hike problem.Brandes says insurance rates could double in the next three years over claims and litigation. He says he will propose legislative reform measures that would reduce attorney fees and route some lawsuits into mediation. He's calling on legislative leaders to take action before Florida homeowners face another round of rate hikes that many simply can't afford.Before your next insurance renewal date, shop around for a policy and get multiple quotes. You can also ask to lower your coverage limits and raise your deductible, but it will cost you more if you must make a claim. This article was written by for WFTS. 4028
MINNEAPOLIS, Minn. – The former Minneapolis police officer seen kneeling on George Floyd’s neck before his death has now been charged with the man's murder. Hennepin County Attorney Mike Freeman announced Friday afternoon that ex-officer Derek Chauvin has been taken into custody and charged with 3rd degree murder, as well as manslaughter.Watch Freeman announce the charges against Chauvin in the press conference below:Chauvin is one of four officers who have been fired from the Minneapolis Police Department for their alleged role in Floyd’s death. Freeman said he expects charges to be filed against the other officers as well, but his team felt it was "appropriate to focus on the most dangerous perpetrator." Chauvin’s arrest comes less than a day after Freeman and other officials asked the public to give them time to make a charging decision in the case. During the Thursday press conference, Freeman actually told reporters, “There is other evidence that doesn’t support a criminal charge.” Now, Freeman says his team has enough evidence to charge.“We have now been able to put together the evidence that we need. Even as late as yesterday afternoon, we didn’t have all that we needed. We have now found it and have felt a responsibility to charge this as soon as possible," Freeman said Friday.Below is the criminal complaint filed against Chauvin: 1376

DANVILLE, Ind. – A domestic violence shelter that has provided a safe haven for women and children for nearly two decades now plans to take in men as well. 169
Cheese Importers is a business that will directly feel the impacts of the cheese tariffs recently imposed on the European Union. “We started in 1976 out of our family home with six packs of cheeses from Wisconsin,” Cheese Importers Co-Owner Clara White said. From olives and pastries to European home goods, its main attraction is in the name. Cheese Importers offers a selection of 350 imported cheeses – most of them are from Europe. “Countries like Italy, Portugal, Spain, France,” said Sascha Stanger, the Vice President of Sales, Marketing and Purchasing at Cheese Importers. It’s a popular spot for cheese lovers. However, prices are about to go up as cheeses of all types and flavors because the European Union has just been hit with an import tariff. "Really, it is impacting people negatively,” White said. White and Stanger say certain cheese prices are subject to a potential 25% increase. “[Cheeses like] Parmesan-Reggiano from Italy, Grana Padano from Italy, Buffalo Mozzarella from Italy,” Stanger said. “One of the items that will definitely be subject to change is Manchego from Spain.” The team says they haven’t felt a huge impact yet, but they’re anticipating a potential hit to their bottom-line. Therefore, they’re looking for alternative solutions to save money. “We buy directly from our sources in importing, but in the meantime – just to figure out how to put ourselves in a position of strength as what everyone is doing – we’d reach out to all of our importer partners across the united states and see what they would sell to us at the better price point,” White said. Truth is, European cheese is what the business is known for. Inevitably, customers will have to pay more. “You either have to pass it on, or you have to absorb it. And there’s not much room to absorb it. In fact, there’s no room to absorb it,” White said. Distinguished economics professor Dr. Kishore Kulkarni with MSU Denver says there are multiple reasons the current administration could be imposing tariffs on goods from Europe. It's a way for the U.S. to generate more tax revenue. Tariffs are also a way to punish foreign exporters if the government believes a certain country is not playing on a level field. In the context of cheese, Dr. Kulkarni says it's likely the federal government is hoping the tariffs will help U.S. cheese producers earn more money. “As we raise the taxes on the European imports, then the domestic cheese producers like it, because the price of imported cheese goes up, and then the domestic cheese producers can obviously raise their prices a little bit, and then their competition is stopped by this tax,” Dr. Kulkarni said. However, in his opinion, tariffs are never beneficial for the economy as a whole. “40 years of economics training has been telling me that the penalty that consumers pay, is much higher than the benefits that domestic producers get,” Dr. Kulkarni said. When one country imposes a tariff, the other country is likely to retaliate. “Then it just becomes a trade war, and this is a war where nobody wins,” Dr. Kulkarni said. It's a war where the consumer is punished too. “The fact is that the cost of a tariff gets passed along to consumers,” Cheese Importers customer Steve Pittman said. Ultimately, Cheese Importers hopes the tariffs will be lifted. However, in the coming months, they plan to continue in good spirits providing their customers with the specialty cheeses they’ve grown to love.“We do the very best we can with a lot of integrity and a lot of heart and soul and tighten our belts where we can and just try to be a good contributor in the world,” White said. 3652
NASHVILLE, Tenn. – After tornadoes ripped through parts of Nashville, Tennessee, a strong group of black men is taking steps to rebuild a community. “Nashville strong,” said Demetrius Short, captain of the Nashville chapter of Black Men Run – a brotherhood inspired through health and wellness that has thousands of members and dozens of chapters across the country. “Two days a week we come out and put all our stress and anxiety under our feet,” Short said. This group of African American men is helping their community from ground zero. “We want you to be to be encouraged about your educational success but also as men of color and men in general we want you to know about your health,” Short said. Short and other members of BMR go to local elementary schools to help inspire students. It's part of the group’s Black Men Run, Brown Boys Read program. The most recent lesson was all about helping these children deal with their emotions following the destruction the deadly tornadoes left behind. “Some people just don’t have anything,” said third grader Tyler Hanserd. “They don’t have electricity a roof over their heads they don’t even have a house.” Judging from the support, these sessions seem to be working well. “I love what black me run do with our boys their excited,” said Myra Taylor, the executive principal at Buena Vista Elementary School in north Nashville. Taylor says BMR gives her students strong black men to look up to. “It helps our kids release some of the anxiety,” she said. “A lot of them lost homes, they lost items, they lost clothes, but they come back and we’re all here and that matters to our kids.” That includes kids like Hanserd, whose family lost power for a week following the tornado. “People lost their lives and people don’t have shelter, they don’t have food and they don’t have water,” he said. “So, that’s not cool.” BMR leaders say mentoring youth is directly connected to fostering community awareness. “Our motto here is, ‘We don’t run through our community, we run with it,’” short said. Short added that it’s important to teach children that they don’t have to wait until they’re older to make a difference, but that they can make an impact on their communities today. “We’re teaching them about perseverance, determination, overcoming obstacles so they don’t quit on mile one they don’t quit on mile two or mile three,” he said. “They come across the finish line.”For BMR, there’s no quitting physically, emotionally or spiritually. Members are helping historic black churches by donating supplies and cleaning up the damage. “This is the devastation of the tornado that hit Nashville,” Bishop Marcus Campbell of Mt. Carmel Missionary Baptist church said while pointing out damage and debris. Campbell added that BMR has helped at a higher level. “It touched my heart to see there’s still humanity that still cares for one another,” he said. “I know that we are better together and we are going to be better than what we was before the all this had taken place.”Because BMR is Nashville strong and Tennessee tough, the group is ready to run down that long road of recovery for as long as it takes. 3172
来源:资阳报