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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) - For months San Diego bee removal companies have been swarmed with calls to remove hives, but where is best to relocate them?One Encinitas company has a solution, hooking up property owners who want bees with beekeepers."When your house gets invaded by bees, instead of spraying them with poison we take them out alive and chemical-free and find good homes for them," said James Mcdonald, founder of the Encinitas Bee Company.Mcdonald will relocate hives to homes or businesses interested in hosting a hive; then a local beekeeper will tend to them."Hundreds of potential beekeepers living in apartments would love to keep bees, but they have no land," said Mcdonald. The Host a Hive program is free for property owners, and they get to keep any honey produced. Mcdonald said he shared a post on Nextdoor about the program and was flooded with messages from people wanting to host a hive. He currently has several bee hives at home that he'd like to relocate. "I'm bursting at the seam and really need people and beekeepers that are willing to help me," said Mcdonald. His ultimate goal is not only to save bees but make people environmentally conscious.To learn more about hosting a hive contact Mcdonald at: (858) 750-5438. 1252

SAN DIEGO (KGTV) - Federal indictments were unsealed Thursday charging 75 people nationwide, 40 in San Diego, with involvement in an international money-laundering scheme.Prosecutors said those charged have been involved with crimes ranging from drug distribution to money laundering.Investigators seized more than million, 95 kilograms of methamphetamine, 63 kilograms of heroin, 10 kilograms of fentanyl, 92 kilograms of cocaine, 252 kilograms of marijuana, and 20 firearms, including semiautomatic assault rifles and handguns.RELATED: Ex-MLB pitcher Esteban Loaiza now faces federal drug charge"We have siphoned the cash and the life out of a San Diego-based international money laundering organization with ties to the Sinaloa Cartel," U.S. Attorney Adam Braverman said. "By following the money, we have discovered large quantities of fentanyl, heroin and methamphetamine that are no longer destined for the streets of America."According to the indictments, Jose Roberto Lopez-Albarran, described as a "significant" broker for a Mexican-based international money laundering group, laundered tens of millions of dollars in drug money from the U.S. to Mexico between 2015 and 2018.Lopez-Albarran, who was arrested in San Diego on Feb. 9 and remains in custody, reportedly oversaw a network of co-conspirators to assist in transferring the millions to drug suppliers across the border, including individuals working for the Sinaloa Cartel.RELATED: Alleged drug dealer charged in Camp Pendleton Marine's overdose death"Taking on and stopping transnational criminal organizations requires dedication and sacrifice," District Attorney Summer Stephan said. "As a result, this undercover operation has brought down high-level cartel associates and stopped the distribution of dangerous drugs like heroin and fentanyl in San Diego and cities across the U.S."In addition to Lopez-Albarran, another defendant, Manuel Reynoso Garcia, and his co-conspirators were also charged in San Diego last month for money siphoning. 2054
y have, be grateful for the fact that we exist," says Chopra.For those who have lost a loved one: "Grief is something we must embrace. You can't bypass...If you resist grief you get worse, it causes more stress," Chopra added.But for everyone else, the worst use of our imagination is fear."That fearful thought is recycling through social media, through television, through everything that we see ... So first recognize that 99% of your thoughts is just recycling of everyone else's fear. So why do you take ownership of thoughts that didn't come from you?" asked Chopra. Professional and personal change, forced on so many now, is a moment to look inside. It's time for self-care and it starts with our thoughts."Ask yourself who am I? Want do I really want? What's my purpose? What am I grateful for? And you'll pivot," says Chopra. "So, mindfulness is nothing more than being aware of the choices you're making, and the experiences you're having right now, and if your experiences are not pleasant."The world in crisis, can also be inside us as hostility, resentment, and grievances — all toxic."So, get rid of toxicity in your life, this is the opportunity ... Toxic emotions, toxic relationships, toxic environments, toxic food...Time to detox," Chopra said.Chopra is blunt about the turmoil in the world. But as we rely on science and technology to find a creative response to COVID, we can lessen exhaustion by not living in the future.We must right now confront that reality. Strident, extreme atmosphere, politically, racially. What's it doing? Creating a world that frankly speaking is idiotic," Chopra said. "If you live in the present, then all you do is say: I want today, my body to be joyful and energetic, my emotions to be loving, have empathy and compassion ... My mind to clear and my soul to be light, today. That's it." 3011
SAN DIEGO (KGTV) — Eve Ramirez made the difficult decision to close her City Heights taco shop when the coronavirus outbreak hit. She says she did it to protect her eight-month-old son. "I got scared to death," she said. "I was like, you know what, I had my baby boy in January, imagine something were to happen to me. I'm a single mom. I can't risk my baby's life. I immediately shut down without thinking twice."Ramirez, who owns Mexicali Street Tacos, is one of a large number of San Diegans now struggling to pay for basic necessities amid the pandemic. A San Diego Association of Governments study released Thursday says 71% of respondents reported not being able to pay for rent, food, and utilities, while two-thirds said the pandemic has negatively impacted their employment. Ramirez said she has received donated diapers from friends, is on Medi-Cal and is receiving government food allowances. "I had no choice but to apply for help," she said. More than 3,500 San Diego households responded to the survey, conducted via 23 community-based organizations. San Ysidro Health surveyed 300 families about the impact of the virus. Ana Melgoza, the organization's vice president of external affairs, says the virus has hit South Bay families particularly hard. She says many live in overcrowded homes due to high rent, and are forced to work in jobs that require interaction with the public such as in grocery stores and retail. "When you have people literally dying to go to work and provide for their families, we need to make sure health care is a priority for people so that when they do feel sick or are infected they have the right follow up care to manage and survive this deadly virus," Melgoza said. Melgoza said one potential solution is to provide hotel vouchers so people in overcrowded homes can quarantine safely. The study also says 60% of parents with school-aged children reported distance learning challenges during the school year. It calls for exploring new ways to provide direct monetary assistance to families in need, new partnerships between governments and community-based organizations, and new paid training and internship opportunities for underserved areas. 2201
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