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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

DENVER, Colo. – Terri Gentry is a civil rights activist and volunteer at the Black American West Museum in Denver, Colorado. "My great grandfather – Dr. Thomas Ernest McClain – is the first black licensed dentist in Colorado," Gentry said. Her family lives on the walls of the museum, showcasing stories that will never be forgotten. “Coming in here for me is visiting my ancestors,” Gentry said. Confronting issues with the Ku Klux Klan and other incidents of racial discrimination, Gentry's great grandfather had many challenges, a lot to overcome in the early 1900s. However, he found a community that stood together and found the strength to rise up. Now they serve as an inspiration for Gentry and others who reflect on the past during Black History Month. “We get a lot of activity and action and response to Black History Month and then the interest wanes,” said Gentry. “But we’re here 365 days a year, so we hope that Black History Month gives highlight to us, but then it continues to create action for people to do things year-round.” Gentry says Black History Month was created to show how African Americans have helped to shape the United States, especially since their accomplishments haven’t always been recognized in mainstream education. “I remember being in school and there was one sentence about our experiences. And it said, ‘negroes were slaves,’" Gentry said. Black History Month is a time when we can reflect on the resistance to slavery and the impactful human beings who have fought for civil rights, like Martin Luther King Jr., Malcolm X and Rosa Parks. There are so many well-known people who helped progress equality in the U.S. But for Gentry, the most influential person in her life wasn’t somebody famous. “My grandmother, Ernestine Smith," Gentry said emotionally. Ernestine McClain Smith was the daughter of the dentist, and Gentry's grandmother. She was a dancer and performer, but more importantly, she was an advocate for civil and human rights. “My hope is that I continue her legacy. She impacted thousands of lives in our community,” Gentry said. Ernestine Smith always knew the importance of sharing stories from those in the past. “We’d walk into her bedroom when I was little, and she had this ancestral wall,” said Gentry. “So all of the pictures of her parents, her grandparents, her great grandparents were on this wall and she would talk to us about their stories and their history.” Those stories – and the stories millions of other African Americans hold dear—are what Gentry believes will help people from different backgrounds to connect. “I think that what Black History Month does is it opens the door for people to get another perspective.”When we understand each other’s perspectives, we often come to realize we’re not all that different in the end.“We’ve got to change our mindset and change our attitude and get rid of this issue about entitlement and get rid of this issue about ‘I’m better than you,’" Gentry said. "That’s killing us. That’s killing the country. We’ve got to change that idea and start embracing everyone… each and every individual that is here, that comes here, that’s been here. It’s time for a change.”  3203

FRANKLIN, Wis. -- How can sports, books and "Howl the Owl" all come together to help kids deal with organ transplants, organ donation and doing it with kindness? A Wisconsin author teamed up with young NASCAR driver Joey Gase for a fantastic story of hope and 273

A dream year for Patrick Mahomes continues.Super Bowl champion? Check.Super Bowl LIV MVP? Check.Sign the richest contract in sports history? Check.Get engaged to longtime girlfriend? Check.Announce pregnancy? Check.The Chiefs star quarterback and his fiancée, Brittany Matthews, took to social media Tuesday afternoon to make the announcement. Just taking a small detour to the wedding???? @PatrickMahomes pic.twitter.com/u3nRaeOusS— Brittany Matthews (@brittanylynne8) September 29, 2020 Mahomes posted a similar announcement on Instagram. View this post on Instagram ?? A post shared by Patrick Mahomes II (@patrickmahomes) on Sep 29, 2020 at 2:51pm PDT The couple, which have known each other since attending the same east Texas high school, got engaged Sept. 1 — the same night Mahomes and the Chiefs received their Super Bowl LIV championship rings.Mahomes, who won the NFL MVP in 2018, has Kansas City off to a 3-0 start and still hasn't thrown an interception in the month of September in his career after leading the Chiefs to a 34-20 win Monday in Baltimore. This article was written by KSHB. 1158

In an instant, the windshield to Rob Weber's small airplane shattered while a thousand feet in the air. “I was pretty much on the edge of blacking out,” he describes. A camera in the cockpit captured it all. When you slow down the video, you can see a bird fly right through the windshield, forcing Weber to declare an emergency as he approached the airport in Fort Myers, Florida. “After I’d taken the hit to the head, I was really dazed,” Weber recalls. “I was having a hard time communicating with them, because I was knocked silly. I really couldn't focus on where I was or what was going on.” The latest data shows there are a record number of bird strikes involving planes, with more than 40 a day on average. A big reason for the spike: more flights and a jump in the bird population. “It's a classic probability situation. More planes and more large birds in the air at the same time,” explains Michael Begier with the National Bird Strike Committee. Begier works with the organization to track incidents and find ways to reduce them. Statistically speaking, the highest chances of being involved in bird strike are from July through October, during the day and while approaching the airport. The accident involving US Airways Flight 1549, known as the Miracle on the Hudson, is perhaps the most memorable and extreme example of how damaging bird strikes can be. However, the majority of bird strikes do not cause any major damage to planes. “The percentage of damaging strikes has actually been going down in the airport environment and that's where it's most vulnerable,” Begier says.For years, workers have used loud noises and fireworks at airports to scare off birds, but they have started testing new ideas, including using drones that look like large predatory birds and redesigning the lights on airplanes to deter birds. 1851