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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) -- Dr. Scott Overcash and the staff at La Mesa-based laboratory eStudySite are preparing for what could be a history-making clinical study."I'm personally really excited about being in the effort to try to prevent people from getting the disease," said Overcash.In just days, Overcash will soon be overseeing a first-of-its-kind trial of a coronavirus vaccine created by the American biotech company Moderna.Starting as early as next week, the first of 350-500 local patients will begin receiving the vaccine.The same one has already been given to patients in phases one and two of the trial. This is the next and possibly final step before FDA approval."What's a little bit different about this particular situation is that the different phases have all been sort of compressed and are all ongoing at the same time," Overcash explained.Overall, 30,000 people around the country are expected to take part in this larger study.Unlike earlier phases, this round is targeting a more vulnerable part of the population.The patients taking part will belong to one of three groups: older than 65, younger but with underlying conditions or those at high risk of catching the virus because of their job.Moderna's vaccine uses what's called messenger RNA to trick the body's cells into producing the antibodies necessary to fight the virus.So far, this particular vaccine has shown promise, but only time will tell"There are multiple candidate vaccines that are going to be rolling out and we're just so hopeful that at least one will be effective enough to be rolled out for use," said Overcash.To learn how to participate in a clinical trial, visit https://coronaviruspreventionnetwork.org/. 1708

SAN DIEGO (KGTV) - For families staying at the Ronald McDonald House, the coronavirus has made an already stressful time even more troubling."Absolutely," says Christie Kinghorn. Her daughter, Lexi, is getting treatment for Complex Regional Pain Syndrome at Rady Children's Hospital. They're living at the Ronald McDonald House for about a month."I know the coronavirus has been hard on everyone," she explains. "But to deal with significant medical issues and be seeking treatment out of state during a pandemic was very difficult."To help keep their guests safe, the Ronald McDonald House put in new protocols throughout the facility."We used to have a very busy facility with people coming in and out throughout the daytime," says President Chuck Day. "Now, we've focused on our two critical services - overnight stays for families who need us and meals."Day says the facility has fewer guests now, as fewer people are going to Rady's for treatment or elective procedures. Typically, the Ronald McDonald House has 56 families staying in it, with another 30 on a waiting list. Right now, they only have 25 families on the campus."The main thing was to make sure we knew about the family staying at the house, are they safe, have they had any instance of exposure to COVID anytime," says Day.Before anyone checks in, they have to have a negative result on a coronavirus test. Visitors and staff also get temperature checks and health screenings to look for symptoms every time they enter the building.Social distancing and mask-wearing are also strictly enforced.As for meal service, Day says the cafeteria is now offering grab-and-go meals to families staying on campus. No one is allowed to eat in the large communal dining area.For people who come by to get meals while they spend time at the hospital, the Ronald McDonald House has set up a cooler outside with bagged meals.But all the extra precaution takes extra funding. As part of National Nonprofit Day on August 17, the Ronald McDonald House will match donations, up to 5,000. They also have a wish list of supplies set up on Amazon and their website."We went out and asked people who love us, 'Would you help us?' And they said, 'Yes.' Now we're asking others in the community who know us to join in," says Day.To help, go to rmhcsd.org. 2310
SAN DIEGO (KGTV) -- Faith and community leaders and former gang members from across San Diego are calling on gangs to agree to “A Season of Peace.”They're asking for no gunfire from Thanksgiving (Nov. 26) through January 1, 2021.With the coronavirus disrupting traditional violence intervention efforts, there has been a rise in gang and gun violence. According to SANDAG's 2019 report on homicides in the San Diego region, a firearm was used in 55% of homicides. Also, firearms were used 100% of the time in gang-involved homicides. Compared to mid-year 2019, there were a greater number of homicides -- 37% increase -- reported to law enforcement in the San Diego region from January to June of 2020. Since SANDAG reported on homicides for that time period, gun violence and homicides continue to rise.During the Season of Peace campaign, community leaders will lead community walks of peace, organize street-side memorial services, ceasefire agreements with gang leaders, and host a tree planting in honor of those who've died because of community violence.Due to the coronavirus pandemic, Community Assistant Support Team (CAST) will follow the advice of health officials, collaborate with law enforcement and politicians to ensure everyone's safety.For the past eight years, CAST has brought quality community service to families impacted by gun violence with de-escalation support, conflict resolution, retaliation prevention, and in hospital spiritual care. CAST refers victims to social services to limit barriers that increase distress and unhealthy choices. 1575
SAN DIEGO (KGTV) — Former Congressman Duncan Hunter Sr. called his son’s opponent in the November election a threat to national security to his face on Tuesday.Hunter Sr., the father of Congressman Duncan D. Hunter, held what he called a “security briefing” on Democrat Ammar Campa-Najjar across from the U.S.S Midway Museum. Campa-Najjar is running against Duncan D. Hunter for his seat in the 50th Congressional District. Congressman Hunter and his wife Margaret are currently facing 60 federal charges of wire fraud and conspiracy. Both have pleaded not guilty. RELATED: 591
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