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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
RICHMOND, Va. — There has been a major drop in the number of people behind bars in the U.S. An analysis by The Marshall Project and The Associated Press found that between March and June, more than 100,000 people were released from state and federal prisons. That's a drop of 8%. By comparison, the Vera Institute of Justice found that for all of 2019, the state and federal prison population fell by 2.2%. As the U.S. struggles with the coronavirus, prison reform advocates are urging releases to halt its spread in correctional facilities. But their release, and how they behave when they’re out, is likely to affect the larger criminal justice reform movement. 671
SACRAMENTO, Calif. (KGTV) -- California Monday launched the state’s first ever mental health line.The free service will offer non-emergency emotional support and referrals to California residents via telephone or instant messaging. State residents can access the California Peer-Run Warm Line at 1-855-845-7415.
Ride-hailing company Uber is offering people free and discounted rides if they need a lift to and from a COVID-19 vaccination appointment.In a press release, CEO Dara Khosrowshahi said the company offers 10 million free or discounted rides to ensure people get vaccinated, especially those who face a barrier getting there.Khosrowshahi said they are partnering with the National Urban League, the Morehouse School of Medicine, and the National Action Network because the organizations are tied to communities of color that have been "disproportionately hurt by the pandemic."A date when this is to kickoff has not been announced. 637
Rudy Giuliani said Wednesday that President Donald Trump's legal team has responded to the special counsel, the latest effort in ongoing negotiations over a possible interview."We have now given him an answer. Obviously, he should take a few days to consider it, but we should get this resolved," Giuliani said during an interview on the radio show of fellow Trump attorney Jay Sekulow."We do not want to run into the November elections. So back up from that, this should be over by September 1," Giuliani said.Sekulow confirmed in a statement that the legal team "responded in writing to the latest proposal" from the special counsel, but declined to comment on the substance of the response.Giuliani had previously told CNN that the team planned to send its counteroffer to special counsel Robert Mueller regarding a potential interview on Wednesday."It is a good faith attempt to reach an agreement," Giuliani, one of Trump's lawyers on the Russia investigation, told CNN.The former New York City mayor similarly would not describe the contents of the counteroffer, except to say that "there is an area where we could agree, if they agree."Giuliani wouldn't say if that area has to do with collusion or obstruction.The President has previously said that he wants to speak with the special counsel and has insisted there was no collusion or obstruction, while deriding the investigation as a "witch hunt."But Trump's public attacks on the Russia probe have sparked questions over whether his actions could constitute obstruction of justice. Those questions intensified earlier this month when the President called on Attorney General Jeff Sessions to shut down the investigation, an escalation that Giuliani attempted to downplay as Trump merely expressing an opinion.The President's team has sought to limit any potential interview to questions about collusion. But Giuliani told CNN they would be willing to consider questions relating to any obstruction of justice inquiry as long as they are not "perjury traps," a phrase favored by the Trump legal team as a way to raise questions about the fairness of the special counsel, though it also speaks to the risks of having the President sit down for an interview."For example: 'What did you say about Flynn?' 'Why did you fire Comey?'" They already know our answer," Giuliani said, referring to former national security adviser Michael Flynn and former FBI director James Comey, whom Trump abruptly fired in May 2017. The former FBI director later testified to Congress that Trump had pressed him to drop an investigation into Flynn, a claim that Trump has denied. "If they can show us something in that area that didn't involve those direct questions, that we don't consider perjury traps, we would consider it," Giuliani said, but conceded he "can't think of what that would be."Mueller has indicated to the team that the special counsel wants to ask the President obstruction questions in an interview.The President's lawyers had previously offered the special counsel written answers to obstruction questions and limiting the interview to matters before his presidential inauguration, which are largely confined to collusion.The back and forth over an interview comes as the special counsel investigation faces its first major test in court as Trump's former campaign chairman Paul Manafort stands trial in the Eastern District of Virginia where he is accused of bank fraud, tax evasion and other financial crimes.Manafort's case isn't about the 2016 presidential campaign, but he is the first defendant Mueller's team has taken to trial. 3603