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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

Roughly 200 people are being asked to quarantine for 14 days after going to a gym in West Virginia.A member of Planet Fitness tested positive for COVID-19 after going to the gym on June 24, and the Monongalia County Health Department is urging anyone who was at the gym that day to watch for symptoms.The health department estimates about 205 people were at the Planet Fitness during the window of time they are concerned about.“Out of an abundance of caution, the club is temporarily closed for deep cleaning and we are not aware of any additional members or team members reporting symptoms at this time,” Planet Fitness said in a statement.West Virginia, as well as dozens of other states, has seen an increase in COVID-19 cases in the last few weeks. In the past 10 days, the state has seen an increase of about 400 cases; in the 10 days prior to that, cases rose by about 240. As of late Saturday afternoon, the West Virginia case count was 2,782, according to a statement from Monongalia County.Those who are quarantined should not leave their home unless to seek medical care, and should limit contact with others in their household as much as possible. 1167

SACRAMENTO, Calif. (AP) — For decades, California and the federal government have had a co-parenting agreement when it comes to the state's diverse population of endangered species and the scarce water that keeps them alive.Now, it appears the sides could be headed for a divorce.State lawmakers sent to the governor early Saturday morning a bill aimed at stopping the Trump administration from weakening oversight of longstanding federal environmental laws in California. The lawmakers want to make it easier for state regulators to issue emergency regulations when that happens."The feds are taking away significant pieces of water protection law, of air protection law, and California has to step into the void," Democratic Assemblyman Mark Stone said.Democratic Gov. Gavin Newsom has 30 days to decide whether to veto the bill, sign it into law or allow it to become law without his signature.The bill survived a furious lobbying effort on the Legislature's final day, withstanding opposition from the state's water contractors and Democratic U.S. Sen. Dianne Feinstein."We can't really have a California system and a federal system," said Jeffrey Kightlinger, general manager of the Metropolitan Water District of Southern California, which delivers water to nearly 19 million people. "We're all in the same country here, so we need to find a way to make this work."California has a history of blunting Republican efforts at the federal level to roll back environmental protections. In 2003, shortly after the George W. Bush administration lowered federal Clean Air Act standards, the Legislature passed a law banning California air quality management districts from revising rules and regulations to match.More recently, after the Trump administration announced plans to roll back auto mileage and emission standards, Newsom used the state's regulatory authority to broker a deal with four major automakers to toughen the standards anyway.State lawmakers tried this last year, but a similar proposal failed to pass the state Assembly. But advocates say several recent announcements by the Trump administration — including plans to weaken application of the federal Endangered Species Act — have strengthened support for the bill.The bill would potentially play out most prominently in the management of the state's water, which mostly comes from snowmelt and rain that rushes through a complex system of aqueducts to provide drinking water for nearly 40 million people and irrigation to the state's billion agricultural industry.The bill would make it easier for state regulators to add animals protected under California's Endangered Species Act — animals that have historically been protected under federal law. It would then apply the state's Endangered Species Act to the Central Valley Project, a federally operated system of aqueducts and reservoirs that control flooding and supply irrigation to farmers.But it's not clear if a state law would apply to a federal project, "which could generate years of litigation and uncertainty over which environmental standards apply," according to a letter by Feinstein and four members of the state's Democratic congressional delegation.Plus, Kightlinger warns the proposal would disrupt complex negotiations among state and federal entities and water agencies over the Water Quality Control Plan. If all sides can sign these voluntary agreements, it would avert costly litigation that would delay environmental protections for fish and other species impacted by the water projects."We're pretty close. We believe we can get to completion by December. If (this bill) passes, half of the water districts pull out and go to litigation instead," Kightlinger said. "That's something that would be terrible for our ecosystem and what we're trying to achieve here."Senate President Pro Tempore Toni Atkins, the bill's author, insisted early Saturday the bill would not impact those voluntary agreements."We really and truly did work in good faith to try to address those concerns," she said. 4049

Rudy Giuliani's assertion to CNN this week that President Donald Trump can't be indicted by the special counsel, and thus can't face a subpoena, banks on a series of internal Justice Department policies.The question to this day is untested in the court system. Yet the step-by-step process Robert Mueller or any special counsel could follow for a President under investigation has several possible outcomes.According to several legal experts, historical memos and court filings, this is how the Justice Department's decision-making on whether to indict a sitting president could play out:First, there must be suspicion or allegations of a crime. Did the President do something criminally wrong? If the answer is no, there would be no investigation.But if the answer is maybe, that puts federal investigators on the pursuit. If they find nothing, Justice Department guidelines say they'd still need to address their investigation in a report summarizing their findings.If there could be some meat to the allegations, the Justice Department would need to determine one of two things: Did the potentially criminal actions take place unrelated to or before to the presidency? Or was the President's executive branch power was crucial in the crime?That determination will come into play later, because Congress' power to impeach and remove a president from office was intended by the framers of the Constitution to remedy abuse of the office, legal scholars say.Perhaps, though, the special counsel decides there's enough evidence to prove that the President broke the law.That's where the Office of Legal Counsel opinions come in.In 1973 and 2000, the office, which defines Justice Department internal procedure, said an indictment of a sitting president would be too disruptive to the country. This opinion appears to be binding on the Justice Department's decision-making, though it's possible for Deputy Attorney General Rod Rosenstein to choose to override the opinion, give Mueller permission to ignore it and take it to court, or ask the office to reexamine the issue by writing a new opinion.This sort of legal briefing has been done before, like in the year after the 1973 opinion, when then-special prosecutor Leon Jaworski wrote a Watergate-era memo describing why the President should not be above the law.Of course, there's another immediate option if a special counsel finds the President did wrong. Prosecutors could use the "unindicted co-conspirator" approach. This would involve the special counsel's office indicting a group of conspirators, making clear the President was part of the conspiracy without bringing charges against him.At any time, in theory, a special counsel could decide to delay an indictment until the President leaves office -- so as not to interfere with the functioning of the executive branch. The other options would be to drop the case or send an impeachment referral to Congress. As evidenced by Mueller's actions previously in the investigations of Trump's personal attorney Michael Cohen and former campaign chairman Paul Manafort, any steps this special counsel takes will likely come with the full support of the acting attorney general on the matter, Rosenstein.The question of whether a President could be subpoenaed is a story for another day. 3303

SACRAMENTO, Calif. (AP) — California is adopting nearly two dozen laws aimed at preventing and fighting the devastating wildfires that have charred large swaths of the state in recent years and killed scores of people.Democratic Gov. Gavin Newsom announced Wednesday that he had signed the 22 bills, saying several also will help the state meet its clean energy goals.The measures largely enact key recommendations from a June report by a governor’s task force and build on billion in the state budget devoted to preparing for wildfires and other emergencies, Newsom said.Newsom signed the legislation as the state approaches the anniversary of the wildfire that killed 85 people and largely leveled the Northern California town of Paradise last November.It’s just short of the second anniversary of the firestorms that raced through the wine country counties north and east of San Francisco, noted state Sen. Mike McGuire, a Democrat representing Healdsburg in the affected areas. But he said the state is learning from its mistakes.The fires changed the lives of tens of thousands of Californians, but the losses of lives and property “should not go in vain,” McGuire said in a statement. “We have a new normal in California and our state is stepping up.”Several bills encourage communities to adopt standards for making homes and their surroundings more fire resistant. One requires state officials to work with communities in high-risk areas to create a retrofit program to update homes built prior to stricter building codes in 2008.Others address the precautionary power shutoffs that utilities have begun using more frequently to ease the risk of blazes sparked by electric lines, which have ignited some of California’s deadliest wildfires in recent years. One, for instance, will help low-income people receive backup power if they rely on life support equipment.Some increase state regulation of utilities’ wildfire prevention efforts. One of those bills requires an independent third-party to verify the clearing of vegetation from utility lines.Others try to safeguard and streamline communications systems including those used to notify millions of Californians during disasters. Another bill creates the California Wildfire Warning Center, a network of automated weather and environmental monitoring stations that will help officials forecast bad fire weather and better assess the threat.“Given the realities of climate change and extreme weather events, the work is not done, but these bills represent important steps forward on prevention, community resilience and utility oversight,” Newsom said in a statement.Fire officials have blamed global warming for a longer, drier wildfire season that now stretches virtually year-round in parts of the state. Newsom called climate change “a core driver of heightened wildfire risk” and said five of the bills he signed, including one with incentives for using storage batteries, will help California keep its role as a clean energy leader.Several of those bills increase utility regulation by the California Public Utility Commission, while another sets requirements for additional utility safety reviews by the commission.Earlier this year, Newsom signed a law requiring California’s three investor-owned utilities to spend a combined billion on safety improvements and standards. That measure also sets up a billion fund that the companies and utility customers pay into that can be tapped to help pay victims of future wildfires.On Wednesday the Democratic governor vetoed a bill by Republican Assemblyman Jay Obernolte of Big Bear Lake that would have eased the state’s strict environmental laws when building fire safety routes, saying the measure is premature and could bring unintended consequences.Newsom said he would need better information on the number, location and potential impacts of future fire safety road construction projects. 3925