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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) - Frustrated residents in San Carlos are searching for answers as their neighborhood has turned into a dumping ground for dogs. 152

San Diego (KGTV) -- Hotel guest jolted awake after the Howard Johnson by Wyndham caught fire, early Tuesday morning.The fire erupted around 4:15 a.m. on El Cajon Blvd in the College East neighborhood.One of the rooms was destroyed, and two others were severely damaged, according to firefighters. At least 4 to 5 units are reported to be uninhabitable for various reasons.It took about 20 minutes to knock down the fire.One man staying in the unit right next to the fire, told ABC 10News he had to run right past the flames to escape.The entire hotel was evacuated, and everyone managed to get out safely. No one was hurt.Firefighters are trying to figure out if anyone was inside the unit when it caught fire. The cause is under investigation.This is a developing story, stay with ABC 10News for the latest updates. 824

SAN DIEGO (KGTV) — Grab a seat, take a seat, and prepare to have your sides split.The sixth annual San Diego Comedy Festival is bringing a who's who of local and celebrity comedians to the San Diego comedy stages for a week of laughs from May 10 to 19.Some events include a clean comedy showcase; "Ya Feel?!" comedy show with Alexis Grossman and Anthony Desamito, where comedians spin a wheel of different feelings and deliver their jokes using that emotion; "This Week Sucks" with Anwar Newton and Michael Turner, where hosts pick apart the news and heckle comedians in attendance; comedy from Tony Tripoli or E! and Fashion Police fame; and a Lip Sync Battle hosted by MTV's Matt Rife.RELATED: San Diego museum members get free access to more than 30 locations during Big ExchangeComedians will battle it out with their standup routines throughout the week to be SDCF champ and top ,000 prize. The festival also features guest speakers, live podcast tapings, musical comedy, and contests and giveaways.Tickets for shows range from free to general admission. A VIP pass that grants access to all shows is also available for .For more information on tickets, showtimes, and comedian lineups, visit SDCF's website. 1230

SAN DIEGO (KGTV) - Health officials say 18 more people have died from flu-related illness in San Diego in the last week.San Diego's flu-death total for the season is now at 269 people. Officials said this season the deaths have ranged in people 1- to 101-years-old. Thirty-four of those deaths have been in individuals under the age of 65.At the same time last season, there were only 49 recorded flu-related deaths.RELATED: Here's when doctors say you should go to the hospital with the flu"Influenza deaths are very unfortunate, but they occur in higher numbers during a severe flu season," Wilma Wooten, County public health officer, said. "If you haven’t gotten vaccinated, do it now since the flu season can last through April and, sometimes, later."Lab-confirmed cases of influenza declined last week, however, from 973 cases to 721 - following two weeks on increases in cases.The most common strain of influenza this season is H3N2, which has a more severe impact on the elderly and very young, according to officials.RELATED: Why people are getting the flu despite being vaccinatedLocal health officials said it is not too late to get a flu shot, which covers H3N2, pandemic H1N1-like and influenza B strains.Officials also reminded San Diegans to protect themselves from the flu by: 1319