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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) - Governor Gavin Newsom's announcement Friday on the fall school year left many parents unsure what to expect.Schools have a list of guidelines they must comply with to open in person classes. The most difficult guideline, potentially, is to stay off the state's watch list for 14 consecutive days.This leaves parents in limbo.Tancy Campbell has been juggling a 9-year-old, 5-year-old with special needs, and an Esty shop while her husband is deployed with the Navy. "I'm overwhelmed right now," she said.RELATED: Newsom: Counties on state watch list won't start fall school year in personWhen it comes to the school year she has mixed feelings. She is less nervous about her 9-year-old who understands social distancing and mask etiquette, but her 5-year-old son hasn't reached that level yet."I'm worried about him going but I'm worried about him staying as well so it's like a double-edged sword," Campbell said.She said he has autism and is regressing without social interaction, but if he were to go to school right now she's worried he could catch coronavirus. These stresses piling up over the past four months.Licensed Psychologist Dr. Michelle Carcel said she's heard from a lot of exhausted parents and has this advice, "all of us need to take a step back and realize this is an imperfect situation and mistakes will be made and that's okay."She said it's important to create a routine to set barriers with the kids. "Also putting signs in different places where there's play area time and where there's school time. So that way you're making a division with work and play," Carcel added.Post a schedule somewhere that everyone can read, so the kids know when parents are busy and when they can have their attention.She suggests dividing and conquering if possible. Enlist help from your partner, or family members to divvy up the childcare responsibilities.She also said if you aren't happy about the decisions being made, let your representatives know. "You're not helpless, you're not alone, make sure you advocate for you and your family," Carcel said.Most importantly, don't forget to take care of yourself."I would just like to tell all the mommas and the daddies to stay strong if they're at home with their kids, it's a lot," Campbell said.A lot to handle, but a labor of love. 2320
SAN DIEGO (KGTV) -- Del Mar may be the county's smallest city, but it has no shortage of workers commuting in every day to serve its residents and tourists.They're coming from as far away as Oceanside, La mesa, and Rancho Penasquitos. It's because the city - with a median home price of .7 million - has no affordable housing. "If they could live here and walk to work we'd get all kinds of benefits from that," said Del Mar Mayor Dwight Worden. To help make that happen, Del Mar may start charging developers of condos and condo conversions fees by the square foot. That could add to more than a hundred thousand dollars per project for affordable housing. Right now developers of those projects pay a flat fee of ,500, which hasn't been updated since 2007.The city council is considering a per square foot charge for existing construction and per square foot for new construction.The money would either go to expanding Del Mar's rent subsidy program, which currently assists five families in the city.Worden, however, said he prefers physical units because they are there forever. Del Mar currently has no affordable housing units, but the state requires it to have about 70. Worden said two currently proposed developments would include units, but he also would like the city to use the extra money to apply for federal and state grants.He also floated the idea of Del Mar buying an apartment building, converting them to condos, selling a portion of them to recoup its investment, and keeping some for low-income workers. 1571
SAN DIEGO (KGTV) - Environmental groups are increasing pressure on members of Congress to support the Green New Deal.On Friday, about two dozen demonstrators rallied outside Democratic Congressman Scott Peters' office in the UTC area to get him to sign on. "We're intent on pushing forward with what seems to be the strongest commitment to making important action on climate change by our government," said Karl Aldinger, a Fallbrook resident and member of the a group called Sunrise Movement.Congresswoman Alexandria Ocasio-Cortez introduced the deal in February. It lays out a series of goals, including getting the U.S. to 100 percent renewable energy by 2030. It also touches on issues surrounding education and wages. Peters, who represents the 52nd District, is the only San Diego County democrat not to sign onto the deal. He said he prefers a more direct approach through specific actions that can get bipartisan approval. Peters pointed to a series of bills that just passed out of committee."We don't want to scare away people from solutions," Peters said. "This is a problem we only have 10 or 12 years to solve. It can't be done just by Democrats, it can't be done just by liberals. It has to be done by everybody."Political analyst John Dadian says more moederate approaches could play a hand in the 2020 election."This dovetails into why we're seeing, in the last 10 years, what's increased every cycle, the rise of the independent, because the independents are saying I don't want to be Republican or Democrat, I don't always agree, I want to make my own decisions," he said. Dadian said what happens now could very well be remembered in 2020. So far, Democratic representatives Susan Davis, Juan Vargas and Mike Levin are supporting the deal. Peters and Republican Duncan Hunter are the two San Diego County representatives who have not signed on. 1872
SAN DIEGO (KGTV) - Hundreds came out to Balboa Park Saturday morning to help raise funds and awareness for infant health research.March for Babies? brought out families to raise funds that go to local research, programs and education and advocacy, supporting organizations like UCSD NeoNatal, Rady Childrens’ Hospital or The Salk Institute.The annual walk is March of Dimes biggest annual fundraising event.If you weren't able to make it out to any of March for Babies walks, you can still help by donating. Learn more about how to support the organization HERE.About March of DimesMarch of Dimes is the leading non-profit organization for pregnancy and baby health. If you had a heel prick test, and APGAR score, were ever given a Polio Vaccine or your mother took Folic Acid during pregnancy, chances are YOU are a March of Dimes Baby. Since 1938, March of Dimes has been actively working to fight infant disease, birth defects and premature birth across the globe. March of Dimes offers comprehensive information on pregnancy and newborn topics, such as, complications, caring for your baby, birth defects, folic acid, etc. Through marchofdimes.com you can search various pregnancy related topics and access medical references, publications, and reports. RELATED: March of Dimes & Salk Institute: where cures begin 1393