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SACRAMENTO (AP) — California on Thursday temporarily banned insurance companies from dropping customers in areas affected by more than a dozen recent blazes, invoking a new law for the first time as homeowners in the wildfire-plagued state struggle to find coverage while carriers seek to shed risk.The order from Insurance Commissioner Ricardo Lara will last for one year, and it only covers people who live inside or next to the perimeter of 16 different wildfires that burned across the state in October. The Department of Insurance estimates the moratorium will affect 800,000 policies covering millions of people in portions of Los Angeles and Riverside counties in Southern California and Sonoma County in the northern part of the state.The move comes as regulators are aggressively trying to assist homeowners in wildfire-prone areas who say they are being pushed out of the commercial insurance market as climate change makes fires larger and more frequent.RELATED: Cal Fire: Acres burned across the state is much lower in 2019 than 2018Seven of the 10 most destructive wildfires in California history have happened in the last five years — including 2018′s Camp Fire, which destroyed roughly 19,000 buildings and killed 85 people in and around the Northern California town of Paradise. That blaze alone generated more than billion in insurance claims, according to the Department of Insurance.Since 2015, state officials say insurance companies have declined to renew nearly 350,000 policies in areas at high risk for wildfires. That data does not include information on how many people were able to find coverage elsewhere or at what price.One of those homeowners is Sean Coffey, who said he and his wife have struggled to maintain fire insurance on their home in Oakland.“The pattern repeated itself almost every year since we bought our house. We would have (coverage) for 10 months. In the fall, we would get a notice we are being dropped,” he said.RELATED: Study: Alien grasses are making more frequent US wildfiresCoffey now buys fire insurance from the California Fair Access to Insurance Requirements Plan, an insurance pool mandated by state law that is required to sell policies to people who can’t buy them through no fault of their own. He must purchase a second policy to cover risks other than fire.FAIR Plan policies in wildfire-prone areas have grown an average of 8% each year since 2016, according to the Department of Insurance. Last month, Lara ordered the FAIR Plan to begin selling comprehensive policies next year that cover more than just fire damage. FAIR Plan Association President Anneliese Jivan called that order “a misguided approach,” saying it will make all of the plans more expensive.Lara has the authority to order the moratorium under a bill he authored while in the state Senate last year that was signed into law by former Gov. Jerry Brown. The law took effect in January, and this is the first time regulators have used it.In addition to ordering the moratorium, Lara called on insurance companies to voluntarily stop dropping customers solely because of wildfire risk.RELATED: Bigger, longer blackouts could lie ahead in California“I believe everyone in the state deserves this same breathing room,” Lara said.A spokeswoman for the American Property Casualty Insurance Association did not immediately respond to a request for comment.While state officials rush to assist homeowners, a new report from California Auditor Elaine Howle said the state did not do enough to protect non-English speaking, elderly and other vulnerable residents during three of the state’s most devastating fires in recent years.The audit covered Butte County, site of 2018′s Camp fire, plus the 2017 Thomas Fire that burned more than 281,000 acres in Ventura County and 2017 fires in Sonoma County that killed 24 people. The audit found none of the three counties had assessed its residents to determine who might need extra help and whether resources were available to help such people, such as transportation, during a natural disaster.The audit also scolds the state oversight agency, the Governor’s Office of Emergency Services, for failing to assist counties in developing such plans and reviewing any plans in place.Howle says it was impossible to determine whether lives could have been saved “if the counties had planned differently or more fully implemented the best practices”her office recommends in the report.” But she noted that “inadequate plans and insufficient planning are proven contributors to failure.” 4561

SACRAMENTO, Calif. (AP) — California state officials have agreed to delay the effective date of what state lawmakers intended as a Jan. 1 ban on flavored tobacco products. They'll wait until county clerks can determine if opponents led by tobacco companies filed enough signatures to put the new law to a statewide vote. Inyo County’s top elections official says her office found many signatures do not match county records. The main group opposing the law says it turned in more than enough signatures to qualify for the ballot. If enough signatures are valid, the measure will likely go before voters in November 2022. 628

RTW Retailwinds, the parent company of retail chain New York & Co., announced Monday that is filing for Chapter 11 bankruptcy — the latest blow to an industry whose struggles were taken to new heights by the coronavirus pandemic.The company said in a press release Monday that filed for bankruptcy relief in New Jersey. In the statement, the company hinted that all of its more than 400 brick-and-mortar stores could close for good.In recent months, sales have fallen at New York & Co. as the pandemic forced shutdowns at non-essential retail stores across the country. In addition, massive layoffs and a large increase in employees working from home shrunk demand for professional attire. Other purveyors of businesswear have also fallen on hard times — Brooks Brothers filed for bankruptcy last week.CNN reports that New York & Co. furloughed a "significant portion" of store employees in March and that last week, the company was delisted from the New York Stock Exchange.New York and Co. joins an exponentially growing list of retailers who have filed for bankruptcy in recent weeks, including Sur La Table, JC Penney, Pier 1 Imports J. Crew and Niemen Marcus. 1184

Retailers want you to shop early this holiday season. However, the pandemic has caused delivery service companies to work overtime and that strain is only expected to get worse during the holidays.Shipmatrix is a shipping consulting company. Experts there tell us that starting Thanksgiving, 56 million packages are expected to be shipped per day, including weekends.That's an excess of 7 million packages that delivery services will have to deal with, resulting in a delay if you're opting for free shipping.Experts say this season, it may be worth paying for shipping, even if you qualify for the free option.“Retailers are trying to use the cheapest form of transportation, which is the ground service that can take up to five, six days. And during this holiday season, it may take an extra day or two,” said Satish Jindal, President of ShipMatrix.If you're shipping gifts to loved ones and are a little bit of a procrastinator, it’s advised that you pay for express shipping this year. You'll also want to get that package in the mail before December 18.At the end of the day, all carriers, including UPS, FedEx and USPS all have similar shipping times. 1165

SACRAMENTO, Calif. (AP) — California lawmakers are trying again to tamp down rising housing costs by expanding rent control and stopping rental price gouging, warning a failure to act this year could result in another costly ballot measure in 2020."Our Legislature has failed to act to address the plight of struggling tenants," Democratic Assemblyman David Chiu said. "That has to change in 2019."California lacks enough homes to shelter its nearly 40 million people, a situation that drives up the costs of homes and rental units. The federal government considers someone "rent burdened" if they spend more than a third of their income on rent. More than half of California renters meet that threshold.At the center of the debate is a 1995 law that bans rent control on apartments constructed after that year and on single-family homes and condominiums.RELATED: Making It in San Diego: Rent increases sharply in San Diego, new report showsDemocratic Assemblyman Richard Bloom wants to change the law to allow rent control on apartments built more than 10 years ago as well as single family homes, with an exception for small landlords. He said those ideas are a starting point.His proposal comes after he tried unsuccessfully to repeal the law last year, prompting tenants to take the question to the ballot. Advocates on both sides spent a combined 0 million, with the bulk coming from real estate agents in opposition.Opponents argued rent control would stifle the building of more homes. Voters ultimately rejected the ballot measure and upheld the law."It failed, but it did not end the crisis," Bloom said.RELATED: Making It in San Diego: Prevalence of fake home rental scamsAssembly Democrats argue that renters need protections now, because it will take years for the state's housing supply to increase significantly."We have got to build homes and protect tenants," Assemblywoman Buffy Wicks said.Bloom said he hopes to begin conversations with groups representing real estate agents and apartment owners to avoid another ballot fight.Sid Lakireddy, president of the California Rental Housing Association, said rent control policies do not create more affordable housing. He said his group, which represents rental housing owners, is open to discussing "real solutions.""The California Rental Housing Association supports smart and effective policies that will actually make a difference by rapidly increasing our affordable housing supply," he said in a statement.The California Apartment Association and California Realtors Association did not immediately respond to emails seeking comment.A Chiu bill would ban rent gouging, relying on consumer protection laws targeting price gouging following natural disasters or other emergencies.It would set a threshold, likely somewhere between 6 and 10 percent, above the consumer price index and say rent increases can't top that percentage. Chiu argued the cap would be high enough that landlords could still take in profits.Oregon recently passed a similar law.Two other bills would create a rental registry to help the state gather data on rent increases and prevent landlords from evicting people if they can't prove a cause.Several renters joined the lawmakers to talk about their own experiences with rent spikes.Stasha Powell of Redwood City brought a letter from her landlord saying her rent would be increased from ,040 a month to ,500 a month in several increments.Newsom said he wants lawmakers to bring him a package of bills to address skyrocketing rents."We need new rules to stabilize neighborhoods and prevent evictions, without putting small landlords out of business," he said during his February State of the State. "Get me a good package on rent stability this year and I will sign it." 3776

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