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LONDON, England – Prince Harry and his wife Meghan are taking the first steps into their new independent life thousands of miles apart. Meghan has returned to Canada, where the couple spent a six-week Christmas break out of the public eye. Meanwhile, Harry stayed in England as the royal family sought to contain the crisis sparked by the couple's decision effectively to quit as senior royals. A friend of the couple pushed back against accusations they blindsided Queen Elizabeth II with the announcement that they would be stepping back from royal duties. “It’s certainly not true to say the palace were blindsided by this,” said broadcaster Tom Bradby, who filmed revealing interviews with Harry and Meghan while they were in Africa last year, 764

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

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

Chris Hopkinson wanted to challenge himself, so he came up with a plan to paddle board the Chesapeake Bay. The whole Bay!"The physical mission was to paddle the bay; the real goal is to raise money for Oyster Recovery Partnership," he said.That goal of paddling 200 miles in 9 days was a daunting task."It's like a marathon everyday," he said.So with a goal of 20 to 30 miles a day, Hopkins took off from the Havre De Grace and headed down the bay to the Atlantic Ocean. He grew up around the bay but got a better understanding of it's beauty."When I'm coming down the Honga River and there's nobody around and there's just water and green and untouched beauty, you really get an appreciation for the beauty of the bay."Hopkinson knew this was going to be quite a physical challenge but Mother Nature decided to make it a little more interesting."Pretty high winds, 10 to 15 knots, which was creating some pretty good wave, 2 to 3 feet and then we had much cooler than normal temperatures."And that was the first day. Chris knew out of 9 days, not all were going to be good, but taking a punch in the face on the first day had him rethinking this adventure. He was motivated from those following his journey."I mean, I got hundreds of text messages and social media posts and emails from people just saying how much they were behind me and how excited they were. I think everybody really liked having a break from all the really bad news to follow something really good."So, on the 7th day he had heavy winds blowing from the side and head on and high waves and had to stop, his shortest day yet, 17 miles... 3 miles shy of goal for the day."I just couldn't take it."So, with that challenge from Mother Nature, what does he do the next day?"I took that day personally and the next day we had our best day which was 36 miles."And then just one day left, off he goes with a little encouragement from his wife, Megan.And he did get it done. Hopkinson raised 0,000 so far, right at their goal of 0,000. When a donation puts a thousand oysters in the bay, a marathon a day seems worth it. This story originally reported by "Disco" Don Harrison on WMAR2News.com. 2189

FONTANA, Calif. -- Metal scrappers aren’t making as much money as what they used to. “A long time ago we got maybe 14 or 15 bucks,” Harry Sawyer said. “But now we get maybe .” Sawyer has been scrapping metal for more than a decade and says he’s never seen prices this low. “I don’t feel good about it,” he said. “I don’t feel good about it.” Workers at American Metal Recycling in Southern California say the prices started dropping soon after international tariffs hit. “We are talking anywhere between 0 to what it is now a ton,” said metal buyer Erick Valdez. “So, it’s half price. It’s pretty bad.” Valdez says all metals – including steel, aluminum and copper – were all hit hard. “There’s really nothing that made it through pretty good through these tariff wars,” he said. Everything was messed with.” With less money to make, Valdez is seeing less people recycling metal. “Before we’d recognize what their name was – first and last name,” he said. “Now we’re like, ‘what’s your name again?’” So why should you care if metal scrappers are making less money? Well, international economists say when prices are raised by tariffs – that increase in cost is passed to consumers – and ultimately hurts other parts of the economy. “There have been some analysts that say for every steel job you save, you loss 16 in the rest of the economy,” said Walter Hutchins, J.D. M.A., a professor of global business at the University of Redlands. “If the regular Joe is union worker for US Steel, he may or she may have gotten some kind temporary benefit from the tariffs,” he said. “But when that same worker goes to buy a F-150 pickup or his pension fund has shares of Ford Motor Company stock in it, that average Joe could be quite harmed.” While the sticker shock might be driving some scrappers away, other metal industries say they are flourishing. “You can be a high school dropout and you can still make 0,000 in my industry,” said Randy McClure, who owns and operates the Welding Skills Test and Training Center in Rancho Cucamonga. Though he’s seeing the price change in metals, McClure is also seeing the demand change for work. “I don’t know if it’s more work because the tariffs came in but there is more work than there are people to do the work,” he said. “Not having enough workers is a bigger problem than the tariffs. That’s for sure.” But for the scrappers out there on the streets and the workers recycling the metal, the small payoff could impact this industry’s future big time. 2530