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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) — Gov. Gavin Newsom formally apologized Tuesday for violence, mistreatment and neglect inflicted on Native Americans throughout California's history, saying it amounted to genocide and pushing the state to reckon with its dark past.The Democratic governor met with tribal leaders at the future site of the California Indian Heritage Center, where he also announced the creation of a council to examine the state's role in campaigns of extermination and exploitation.Throughout history, the California government was key to efforts to remove and kill Native Americans who lived on land that would become part of what is now the world's fifth-largest economy."Genocide. No other way to describe it, and that's the way it needs to be described in the history books," Newsom said.Joseph L. James, chairman of the Yurok Tribe, which has territory near the Northern California coast, said it is significant to hear the governor acknowledge the state's efforts to eliminate indigenous communities around the time of the Gold Rush."It was a step into healing," he said.James said he hopes the governor maintains a close relationship with tribes on a range of issues, including the protection of natural resources and prevention of wildfires.Newsom is not the first to apologize for the treatment of Native Americans.Congress tucked an apology in a 2009 military spending bill, acknowledging "years of official depredations, ill-conceived policies, and the breaking of covenants by the federal government regarding Indian tribes."Last year, then-Alaska Gov. Bill Walker issued an apology to the state's indigenous people, listing a series of wrongs.Other governors have apologized for specific episodes in history, from the killing of Arapaho and Cheyenne people in the Sand Creek Massacre of 1864 to the forced move of Potawatomi people from Indiana to Kansas in 1838 on what has become known as a trail of death.Newsom pointed to California's efforts to remove American Indians as people flooded the state searching for gold in the mid-19th century.California's first governor, Peter Burnett, declared to legislators in 1851 "that a war of extermination will continue to be waged between the two races until the Indian race becomes extinct must be expected."The Legislature subsequently approved .29 million to subsidize militia campaigns against American Indians, Newsom's office said.Like other states in the U.S. West, California has seen renewed debate about its treatment of indigenous people.Stanford University announced last year it would remove the name of Spanish missionary and Catholic saint Junipero Serra from some parts of campus following criticism over his treatment of Native Americans.And in recent years, some schools have abandoned what was once a common project in elementary classrooms around California: building models of Spanish missions, which were constructed in real life with the forced labor of Native Americans.California has the largest proportion of American Indians in the United States. About 723,000 residents identified as American Indian during the 2010 census. 3127

SACRAMENTO, Calif. (AP) — California utilities again are facing severe financial pressures from the possibility that their equipment sparked catastrophic wildfires, including two that are now burning at either end of the state.The pressure comes even though Gov. Jerry Brown signed legislation in September giving utilities some relief beginning next year.The law made it easier for utilities to pass along costs from fire-related damages to consumers and also avoid possible bankruptcy from a series of major fires that occurred during the 2017 fire season that produced more than billion in losses.But there was a gap in the law: No damages specific to 2018 were included, so utilities face a higher bar to bill customers to cover those costs. And this year already supplanted 2017 as the most destructive in California's recorded history.Authorities have not determined a cause for either of two major blazes burning now, but Pacific Gas & Electric Co. and Southern California Edison have reported irregularities with their equipment near the time and place where both ignited.A woman who owns land near the site where a deadly wildfire started in Northern California said Monday that Pacific Gas & Electric Co. sought access to her property just before the blaze started because the utility's power lines were causing sparks.PG&E shares have lost more than a third of their value since the Camp Fire broke out northeast of San Francisco, destroying thousands of homes and killing dozens of people as it leveled the town of Paradise.Moody's Investors Service said Monday that the "shortcomings" in the legislation reflect negatively on PG&E's credit rating, which is barely investment grade."Moody's negative outlook incorporates the view that additional financial stress for PG&E is likely," Moody's spokesman Joe Mielenhausen said in an email. "Going forward, we will look for signs of additional legislative and regulatory support for the utility as it works through various legal processes."Last week PG&E told state regulators that it detected a problem on an electrical transmission line near the site of the blaze minutes before the fire broke out. The utility later said it observed damage to a transmission tower on the line, and a PG&E spokeswoman said the company will cooperate with any investigations.Betsy Ann Cowley, a property owner near the site said PG&E sought access to the area before the fire started, telling her power lines were sparking.Southern California Edison told regulators there was an outage on an electrical circuit near the site where the Woolsey Fire started in Ventura County. It quickly spread into Malibu and destroyed hundreds of homes.SoCal Edison said the report was submitted out of an abundance of caution and there was no indication from fire officials that its equipment may have been involved. The report said the fire was reported around 2:24 p.m. Thursday, two minutes after the outage.Shares of parent company Edison International have tumbled more than 20 percent since the fire started.California is one of just two states that hold electric companies entirely liable for damage caused by their equipment, even if they followed all safety precautions. The new law makes it easier for them to pass some of those costs along to consumers.Utilities lobbied aggressively to eliminate that strict liability standard but lawmakers dropped the idea amid pressure from insurers, trial lawyers and fire victims.Instead, legislators passed a law making it easier for utilities to manage the costs without going bankrupt. They created two mechanisms for investor-owned utilities to shift the costs of wildfire lawsuits onto their customers— one process that begins in 2019, and another for the 2017 fires.For reasons that remain unclear, the law left the rules unchanged for 2018."The priority was on addressing 2017 victims and putting in place some fire-safety measures," said Paul Payne, a spokesman for Sen. Bill Dodd, a Napa Democrat and the bill's author. "The focus was on making 2017 victims whole."It's too soon to say whether the Legislature will take up another fight over the 2018 fires, Payne said.SoCal Edison officials say the Legislature needs to do more to shield utilities from wildfire-related liability."SCE believes the state can do more, including enacting fire-smart building codes, particularly in high fire risk areas, and ensuring the proper allocation of risk for the often-tragic consequences of wildfires," spokeswoman Justina Garcia wrote in an email.A PG&E spokesman, Paul Doherty, did not respond to questions about the legislation, saying "our entire company is focused on supporting first responders."Sen. Jerry Hill, a Redwood City Democrat and longtime critic of PG&E, called the report of troubles on PG&E's lines in the area extremely worrisome."At some point we have to say enough is enough and we have to ask: Should this company be allowed to do business in California?" Hill said. "These fires take a spark, and at least in the last few years fires have been caused by negligent behavior by PG&E. We need to see how we can hold them responsible, or look at alternative way of doing business."Hill said he was exploring legislative options to keep a closer check on PG&E, including the possibility of breaking up the utility."They are a monopoly and they act as a monopoly," Hill said. "That is a problem when the motive is profit, and that just may not be the right motive for providing utility services." 5560

Rolling Thunder, the annual event where hundreds of thousands of motorcyclists come to the nation's capitol to honor service members killed in action or taken as prisoners of war, will hold its last event in Washington next year.The last ride will be next Memorial Day weekend, on Sunday, May 26, 2019, a spokeswoman for the organizing group confirmed to CNN.Organizers said the costs of putting on the national ride have become prohibitive, with last year's event costing about 0,000 in various related expenses."It was a tough decision for us to make," spokeswoman Nancy Regg told CNN.Instead of the gathering at the nation's capital, there will be regional events organized by various chapters to honor those killed in action or who were prisoners of war, according to the group.Next year will mark the 32nd ride in Washington since the event was first held in 1988. Then-presidential candidate Donald Trump spoke at the gathering in 2016.The riders start at the Pentagon parking lot, ride over a bridge into DC, circle the National Mall and end by the Vietnam Veterans Memorial. 1103

SACRAMENTO, Calif. (AP) -- California lawmakers won't move forward this year on a plan to build denser housing in some single-family-home neighborhoods and closer to transit stations and jobs.The Senate Appropriations Committee voted Thursday to make the proposal a two-year bill, meaning action will be delayed until next year.The legislation was one of the more contentious proposals related to California's housing storage. Backers including tech companies and trade unions have argued allowing more homes around transit stations and loosening other rules could curb California's housing crunch.Making It in San Diego: Buy a deeply discounted condoBut critics say the measure threatened to change the character of some neighborhoods, worsen traffic and override local decision makers.State Senator Scott Wiener, a Democrat from San Francisco, says he's disappointed by the move. 889

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