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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) - Homeless encampments have moved into the site of previous fires in University heights, sparking more fire concerns.March 2018. Amid a firefight along Highway 163, bystanders on the Vermont Street Bridge looking on soon after the flames spark. Fire crews would put out that fire without any major damage. Months later, a smaller fire erupted in the same area, near another encampment. Marybeth Chruden and the University Heights Community Association organized a petition drive, leading the San Diego City Council to approve more than a million dollars for canyon abatements across the city, including one at the University Heights site in July.In the past few weeks, that site looked a lot different."Shocked, but in a way, not surprised," said Chruden.Chruden's group posted photos on their Facebook page of homeless encampments and the surrounding mess."It shows they are very comfortable, out in the open ... We see people smoking and little campfires down there. The fire danger still high with dry materials in that canyon," said Chruden.Chruden says after several requests on the city's 'Get It Done' app, crews cleared out the area Wednesday morning, except for one mattress. The problem? She expects the homeless to move back in soon."Maybe tonight, in three days or four days. Within a week, something will be going on down there," said Chruden.Chruden believes regular visits to the area by city crews are needed, possibly twice a month. 10news reached out to Councilmember Chris Ward's office for a comment and are waiting to hear back. 1574

SAN DIEGO (KGTV) - Homeowners in Mission Hills say someone is back to shining a laser pointer into their homes after a several week hiatusNew video from over the weekend a shows someone pointing a laser into a family’s living room.The laser pointer appears to be coming from the same place as it was back in January when 10News first did the story.Daniel Wang lives in Mission Hills and says his living room turned a blueish green on Friday. “The kids were here so luckily they didn’t look directly at the beam,” said Wang, “that’s the only thing to worry about.”Neighbors have filed a police report, but not much progress has been made because the source of the laser appears to be from a common space in an apartment complex.Doctors say lasers can cause blindness and in some cases induce seizures for those who have epilepsy.Shining a laser into another person’s eyes in California is a misdemeanor with a penalty of up to 30 days in jail. 955

SAN DIEGO (KGTV) — Hundreds of students at nearly a dozen schools walked out of class Friday in protest of the planned layoffs by the Sweetwater Union High School District.The district says cutting the teachers is the last resort to fixing a million budget deficit. But students across the district say cutting their teachers will not solve the problem. “I felt it was important because a school like Southwest, where it’s predominantly low income, predominantly Mexican we are typically overlooked and not heard,” says Dale McEnany, a senior at Southwest High. “So this protest is the first step in undoing that.”RELATED COVERAGE:Sweetwater Union High School District votes to cut over 200 jobsTeachers to rally in Chula Vista against Sweetwater District's layoff planHundreds of Sweetwater Union HS District students protest teacher layoffsThe Sweetwater Union High School Board has decided to layoff nearly 240 teachers, librarians, and Learning Center staff. Teachers and Students at Southwest High say cutting the Learning Center program will cause students to be enrolled in Independent Studies, which is similar to homeschooling. This program only has a 7 percent graduation rate. About 1,300 students use the district’s dozen learning centers.The state is auditing the district for potential money mismanagement, but the district says the shortfall is because of the decline in student enrollment and revenue.Students say they believe the district should cut the salaries of administrators instead of cutting hundreds of teachers. SUHSD's superintendent took home 7,000 in 2018.During the meeting where board members approved the cuts, Superintendent Dr. Karen Janney said they have looked at ways to save the positions.“Even in the most challenging financial times, layoffs for this governance team have been a last resort,” said Janney.Teachers and staff at risk of being laid off will receive pink slips in early March, though a final decision on the fate of their employment won't come until May. 2023

SAN DIEGO (KGTV) -- Extreme wind and heat is causing a school district along the San Diego coast to close early Friday. The Coronado Unified School District announced Thursday that the district will be on a minimum day Friday as heat reaches into the 90s. A minimum day means that all schools will begin at their regular times, but end the day at 12:30 p.m. Friday will mark the second day the district will let out early as heat scorches the region. RELATED: Check today's San Diego County forecastThe Sweetwater Union High School District also announced Thursday that the City of Chula Vista canceled fireworks shows at homecoming games amid the dry weather. “Attention #SUHSD communities @ CPH, HTH, ORH & MOH. The City of CV & SD have cancelled permits for fireworks displays for this Friday’s Homecoming games. We are aware fireworks are a time-tradition, however due to concerns of severe dry weather, we have been advised against them,” the district said in a tweet. The cancellations and closures also come as more than 7,000 people throughout the county are without power due to planned outages. Click here for an updated list of outages from SDG&E. A red flag warning that began early Thursday morning for a large swath of San Diego County continues through Friday at 5 p.m. 1305