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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

It’s been a month since both of you went home to Paradise to be with Jesus. I spend most of my time imagining what both of you are seeing and experiencing. As my tears fall, I remind myself of what the apostle Paul said in first Thessalonians 4:13-14 NIV “Brothers and sisters we do not want you to be on uninformed about those who sleep in death, so that you do not grieve like the rest of mankind, who have no hope. For we believe that Jesus died and rose again, and so we believe that God will bring with Jesus those who have fallen asleep in him”. For me this is not the end but only a brief interruption. One day soon we will have a magnificent reunion and all of us will be with the Lord forever. Until then I will press on to the ultimate goal of spending eternity in Heaven. My family and I would like to thank everyone across this country who has prayed for us and sent words of encouragement our way. I also want to thank the baseball community; The love and compassion we have felt has been unbelievable. It truly feels like we are one big family. Thank you @ourbaseballlife for everything you have done to support us during this time. I also want to thank the @raysbaseball for their continuous support through all this. 1248

CASA GRANDE, Ariz. – Schools across the nation are having trouble filling teacher jobs – so districts are coming up with unique solutions. The Casa Grande Union High School District has looked overseas to help fill their teacher positions – which led us to Melvin Injosa. “If you ask me to dance I’ll suck, if you ask me to sing I’ll suck more, but if you want me to do science, physics, I’ll pour myself out,” said Melvin Injosa, teacher at Vista Grande High School in Casa Grande, Arizona. He teaches physics and chemistry and moved to Arizona from the Philippines a few years ago. He’s in the U.S. through a J-1 Visa teacher program, which allows him to teach and learn in America for up to five years. Injosa is currently in his fourth year. “It’s the best experience so far, for me,” he said, after moving here with his wife who also teaches at the school. “Many of our math and science jobs are filled by teachers from the Philippines,” said Steve Bebee, Superintendent of the Casa Grande Union High School District. Of the over 200 teachers they oversee, 18 are teaching through the J-1 Visa teacher program. Ten others finished their terms last year. “There is not an abundance of teachers applying in our district and coming our way,” Bebee explained. Arizona, California, Florida, Texas, New Mexico, North Carolina, and South Carolina have some of the highest numbers of J-1 Visa teachers, and that number rises year over year. Arizona had 187 in 2018, while North Carolina had the most with 522 participants, according to the U.S. State Department. But the new approach to hiring qualified teachers hasn’t been a hit with everyone. “Do we cut out jobs for people that are already in the U.S.? And we are not, because if we had those positions we wouldn’t have to look,” Bebee said. Just under 21 percent of teacher jobs in Arizona were still vacant a few weeks into the 2018-2019 school year, accounting for about 1,443 positions, according to a survey of 150 schools by the Arizona Personnel Admin Association completed in August 2019. “For teachers in Arizona, you’re lucky to get one applicant,” said Justin Wing, director of human resources for the Washington Elementary School District. “It hit us pretty hard.” Wing created the report that shows how the lack of teachers applying for open positions has impacted class sizes and the need for long-term substitute teachers over the years. Wing explained that Arizona is top five in highest class sizes across the nation. And the average teacher salary in the state is around ,000 lower than the national average, with Arizona sitting at ,973, according to the Learning Policy Institute in 2018. The combo of high class sizes and low pay has made it difficult to attract qualified educators in a lot of states.“I think a big issue is related to working conditions,” Leanne Abushar said. Abushar is an elementary school teacher in Phoenix, Arizona and the president of Phoenix Elementary Classroom Teachers Association.“Pay, working conditions, benefits, all of those things link back to teacher recruitment and retention,” she said. Abushar and the rest of the association are working on getting a contract in place for better pay, and other demands for teachers. She says many people just aren't applying for teacher jobs because they aren't appealing to applicants. “Everybody has been stuck with trying to find remedies,” Bebee said. "Every district is prioritizing their recruiting efforts differently, because if all of us are doing the same thing, we’re hitting still that same pool,” Wing explained. Which brings us back to Melvin Injosa’a chemistry class. Despite low wages, he currently gets paid more in this country than he would in his own. About five times more than his salary back in the Philippines.Melvin understands he has a limited time in the United States, but he makes the most of it. “Even if I only have five years here, I think I learned a lot,” he said. 3964

LAKE POWELL, Utah — A baby from St. George has set the record for the youngest child to water-ski, his family says.Casey and Mindi Humpherys posted a photo and a video of 6-month-old Rich skiing at Lake Powell on Instagram earlier this week, captioned "I went water skiing for my 6 month birthday. Apparently that’s a big deal… #worldrecord" on an account dedicated to photos of the boy growing up and going on outdoor adventures. His parents, on their own individual Instagram accounts, specified that Rich was six months and four days old at the time — beating the youngest-known record by six days. The previous record was set by Auburn Absher in 2016 at six months and 10 days old, according to reports from BuzzFeed and ABC News. No official records are available for the youngest child to water-ski."Take one look at this kid and tell me he isn’t having the time of his life! Such a little stud!" his dad added. This story originally reported by Spencer Burt on fox13now.com. 1028

He's long toyed with doing it, but rapper and fashion designer Kanye West appears to be making good on his promise to run for president. The multiplatinum Chicago native announced on Twitter Saturday that he's making good on what he said he'd do at the 2015 MTV Video Music Awards and running for president in 2020. "We must now realize the promise of America by trusting God, unifying our vision and building our future," West told his 29.3 million Twitter followers. "I am running for president of the United States!" We must now realize the promise of America by trusting God, unifying our vision and building our future. I am running for president of the United States ????! #2020VISION— ye (@kanyewest) July 5, 2020 West has created controversy his entire career but only recently become somewhat of a political figure, previously supporting President Donald Trump. The two have gone from meeting with Trump in Manhattan during his transition to the presidency to complimentary tweets to working on prison reform alongside his wife, Kim Kardashian West. The rapper made no further details of his run, or whether this signified a turn against the president. There was no indication that this was a prank or a joke, though West has given no official statement on the potential run. This article was written by Stephen M. Lepore for WPIX. 1371