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SACRAMENTO, Calif. (AP) — Californians who lost their home insurance because of the threat of wildfires will be able to buy comprehensive policies next year through a state-mandated plan under an order issued Thursday by the state insurance commissioner.As wildfires threaten the state, insurance companies have been dropping many homeowners who live in fire-prone areas.Most of those people turn to the California Fair Access to Insurance Requirements Plan, an insurance pool mandated by state law that is required to issue policies to people who can’t buy them through no fault of their own.But FAIR Plan policies are limited, offering coverage for fires, explosions and limited smoke damage.California Insurance Commissioner Ricardo Lara on Thursday ordered the plan to begin selling comprehensive policies by June 1 to cover lots of other problems, including theft, water damage, falling objects and liability.Lara also ordered the plan to double homeowners’ coverage limits to million by April 1.“You have people that now are being sent to the FAIR Plan and they have no other alternative. They won’t even get a call back from an insurance company to offer them a quote,” Lara said.The FAIR Plan has been around since 1968. It is not funded by tax dollars. Instead, all property and casualty insurance companies doing business in California must contribute to the plan.Known as the “insurer of last resort,” the plan has been growing in recent years as wildfires have become bigger and more frequent because of climate change. FAIR Plan policies in fire-prone areas have grown an average of nearly 8% each year since 2016, according to the Department of Insurance.Likewise, since 2015 insurance companies have declined to renew nearly 350,000 policies in areas at high risk for wildfires. That data comes from the state, and it does not include information on how many people were able to find coverage elsewhere or at what price.The FAIR Plan is governed by a board of directors appointed by various government officials. Lara says he has the authority to reject its operating plan. On Thursday, he ordered it to submit a new plan within 30 days that includes an option for comprehensive policies and other changes.California FAIR Plan Association President Anneliese Jivan did not respond to an email seeking comment.It’s unknown how much the plan’s new policies will cost. But rates for FAIR Plan policies are supposed to break even. The insurance industry must cover any losses. And if the plan generates a profit, that money is given back to insurance companies.FAIR Plan policies have been limited because, in general, the insurance industry doesn’t want state-mandated plans to compete with private insurance plans. But Amy Bach, executive director of United Policyholders — a nonprofit advocating for consumers in the insurance industry — says her group is “hearing from panicked consumers daily.”“If (insurance companies) don’t like it, the solution really is to start doing their job and selling insurance again,” she said. “This is an untenable situation.” 3083

SACRAMENTO, Calif. (AP) — The director of California's unemployment benefits department, Sharon Hilliard, said she will retire at the end of the year. The announcement Friday comes after the agency has been overwhelmed by more than 15 million claims during the coronavirus pandemic. The agency has a backlog of more than 900,000 people still waiting to receive benefits. Hilliard has said the backlog won't be cleared until the end of January. California Labor and Workforce Development Agency Secretary Julie A. Sue praised Hilliard for helping reset the agency's culture. Republican Assembly Jim Patterson urged the governor to appoint a replacement from outside the agency. 684

Rockers Metallica is set to rock out on Aug. 29 as they bring its concert to drive-ins across the nation.Encore Drive-in Nights announced the rock group will perform at venues in the U.S. and in Canada.Tickets would go on sale Aug. 14 at ticketmaster.com/encore-metallica.For a full list of sites, click here."Needless to say, this is an exciting first for us as we continue to explore new ways to connect with you and keep playing live… this definitely qualifies as a unique and memorable experience for us," the band said. "We hope you think so too!"The drive-in concert series was launched by Encore Live after the success of Garth Brooks' concert in June. Country star Blake Shelton also did a show back on July 25. 727

SACRAMENTO, Calif. (AP) — California's unemployment agency is not answering 60% of the calls it receives for help as the state struggles to work through a backlog of more than 1 million pending claims. Employment Development Director Sharon Hilliard told a panel of frustrated state lawmakers on Monday that California is on pace to have 3,700 people working in its call center by January. That's compared to the 350 it had working before the pandemic. Hilliard said the state is receiving about 6.7 million calls a week. The state has processed 10.6 million unemployment claims since March and paid more than billion in benefits. 642

Right now, dozens of train cars carrying 10 million pounds of poop are stranded in a rural Alabama rail yard. Technically it's biowaste, but to the 982 residents in the small town of Parrish, that's just semantics.They want it gone. The load has been there for almost two months, and it's making the whole place smell like a rotting animal carcass.To add insult to injury, it isn't even their poop. For the last year, waste management facilities in New York and one in New Jersey have been shipping tons of biowaste -- literally, tons -- to Big Sky Environmental, a private landfill in Adamsville, Alabama. But in January, the neighboring town of West Jefferson filed an injunction against Big Sky to keep the sludge from being stored in a nearby rail yard.It was successful -- but as a result, the poo already in transit got moved to Parrish, where there are no zoning laws to prevent the waste from being stored. 922

来源：资阳报