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SAN DIEGO (KGTV) -- Following several years of record-breaking fires around California, the state’s department of insurance is letting residents know they have options if their insurance gets dropped. Under Proposition 103, a law approved by voters in 1988, insurers are required to file rate changes with the California Department of Insurance. Although the department doesn’t set rates, state law requires that insurers’ rates are based on a demonstrated risk of loss. New laws that both took effect in 2019 also offer some protection. One of the laws specifies that homeowners living in a declared wildfire disaster area or adjacent zip codes receive one year of protection from non-renewal. The state also extended protections against non-renewal for people who suffer a total loss during a fire to two automatic renewals or 24 months. If you find yourself in the middle of a non-renewal, the department lists specific rights California residents have: The notice of non-renewal must be sent at least 45 days prior to policy expiration. That notice of non-renewal must contain: (1) the reason or reasons for the non-renewal; (2) the telephone number of the insurer's representatives who handle consumer inquiries or complaints; and (3) a statement indicating that if the consumer has contacted the insurer to discuss the non-renewal and remains unsatisfied, the policyholder may have the matter reviewed by the Department. The insurance company must determine whether to renew or non-renew based upon its underwriting guidelines, which must be objective, have a substantial relationship to the risk of loss, and be applied consistently among insureds in the particular group being non-renewed.For anyone who can’t find insurance, the department has another option. The FAIR plan is available to all homeowners as a last option for coverage. The maximum limit written by the plan on residential property is ,500,000. According to the department, insurance companies use different tools and maps to determine high-risk areas around the state. Click here for a list of resources from the California Department of Insurance. 2135

SAN DIEGO (KGTV) -- Family Health Centers of San Diego thanked 10News and United Healthcare for donations that will be used to better the community. To recognize the donation, Family Health Centers of San Diego honored both organizations with a plaque that will hang in the Prenatal and Post-Partum Education Center's Baby Boutique.  351

SAN DIEGO (KGTV) - Following a surge in 911 calls from COVID-19 patients, the County of San Diego is now allowing hospitals to divert ambulances if their emergency rooms are already too full. The County reports that the new protocol was tested last weekend and proved to be successful.The County reports that this new type of diversion goes above and beyond the routine ambulance diversion of only a subset of patients that hospitals use on a regular basis.Hospitals across San Diego that are saturated are now allowed to request total ambulance diversion, meaning ambulances have to stop bringing in more patients. A letter posted this Tuesday from the County's Director of Emergency Medical Services details how the new protocol will help area hospitals recover from the rapid influx of patients.According to the County, “Hospitals on County Ambulance Diversion only accept patients who are so critical that they cannot survive transport to another facility (e.g., cardiac arrest, breathing problems that cannot be managed in the ambulance); thus, nearly all basic and advanced life support (BLS and ALS) ambulances must bypass a hospital on County Ambulance Diversion.”The County reports that a hospital can only implement the diversion in 4-hour blocks which must be approved or initiated by the County.Rob Lawrence with the California Ambulance Association explained Wednesday that this type of diversion allows for decompression. “It allows [hospitals] to get a bit of time to process those patients that have already come into their emergency departments. It also means that ambulances aren't sitting in the parking areas for up to four hours with a patient on board.”He added that it also aids the ambulance services because they can then move patients to hospitals where the wait times are lower. “What that means is [that] they can then return to service quicker which is of course good for the next patient or person that's going to call 911,” he told ABC10 News.According to the County, the new diversion protocol has been implemented by local emergency departments several times over the past few days. 2123

SAN DIEGO (KGTV) — Following San Diego County's orders to suspend on-site restaurant dining due to the coronavirus, several delivery services are working to help local restaurants and residents.The local orders require restaurants to offer delivery or take-out options using social distancing methods.In response, major food delivery platforms are assisting local restaurants to continuing support smaller restaurants and keep hungry residents fed. Many local restaurants are offering curbside pickup and specials as well — customers should call ahead to check what is being offered.RELATED COVERAGE:California COVID-19 Tracker: San Diego coronavirus updatesSan Diego County leaders set up community response fund amid coronavirusList: School districts providing free meals amid closuresFor those San Diegans craving meals from local restaurants, the choices are practically endless between the four delivery options. Fast food, sit down casual, Mexican cuisine, Chinese takeout, pizza; there are options for every taste.Here's a link to each platform's San Diego webpage:DoorDash's options in San DiegoGrubhub options in San DiegoPostmates options in San DiegoUber Eats options in San DiegoDoorDash, Grubhub, Postmates, and Uber Eats have all implemented some form of commission fee-free policies during the coronavirus pandemic to help participating restaurants.Each service says it has also implemented social distancing in deliveries, allowing users to have food delivered through contact-less means, protecting drivers and customers."Over the past few days, as cities and states have restricted the operations of restaurants and other businesses, we have heard mayors and governors call upon residents to use delivery and pick-up services to reduce person-to-person contact," DoorDash's CEO Tony Xu wrote on the company's blog. According to the U.S. FDA, there is currently "no evidence to suggest that food produced in the United States can transmit COVID-19.""Currently there is no evidence of food or food packaging being associated with transmission of COVID-19. Like other viruses, it is possible that the virus that causes COVID-19 can survive on surfaces or objects. For that reason, it is critical to follow the 4 key steps of food safety—clean, separate, cook, and chill," the FDA's website says. 2319

SAN DIEGO (KGTV) - Former Major League Baseball pitcher Esteban Loaiza is now facing a federal charge in his drug possession case. 138