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In New York City, it easy to hear the present. But to hear the past, you’ll have to step into Rick Kelly’s shop. “Just celebrated 50 years of guitar making,” Kelly says. “1968. I started that. Was the first one I made in high school.” What sets Kelly’s craft apart from other guitar makers is the material he uses.“If you start with really old materials, you're going to have a better instrument,” he explains. The pieces were once part of the deep roots of Manhattan. “Using New York City wood from these old buildings,” Kelly says. “I call it the bones of old New York, because it's the bones of these old buildings from the 1800's down here.” The guitars are handmade of hand-picked scraps of old pine. “We actually have the largest depository of old pine in the world right here in New York City,” Kelly says.All of the building bones is transformed into detailed pieces of playable art. “You can kind of just smell the history back here,” says customer Kelly Wilson. 985

If one Florida state senator gets his way, beachgoers may not be allowed to smoke at the beach beginning later this year.Sen. Joe Gruters, whose district includes Sarasota County, filed a bill on Wednesday trying to prevent anyone from smoking tobacco on a public beach in Florida. If 301

My heart breaks this morning at the loss of NBC audio technician Larry Edgeworth (pictured right) due to COVID19. I adored Larry. We traveled together for two straight months on a campaign in 2008 and he was always the most warm, most professional, most loving. All hours of the day and night, no matter how hungry or tired or stressed we were - he was always a joy. He loved his work and excelled at it. He loved his colleagues and boy did we love him. Larry, dear, I will miss you. My deepest condolences and prayers to his family. 549

CINCINNATI -- The man who told police he was a missing boy from Illinois when he was found in Newport, Kentucky on Wednesday, is now being held at the Hamilton County Justice Center in Ohio on an FBI detainer, according to the Hamilton County Sheriff's Office. Brian Michael Rini, 23, was booked into the jail at 11:10 p.m. Thursday, according to the jail's website. It's not yet clear what charges Rini could face. 429

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