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Since January of this year, state regulators have approved about 100 rate hike requests involving dozens of property insurers.The insurance regulation office in Florida gave the green light to South Fidelity to raise their rates by about 30%. And regulators okayed a 30% rate hike for Capitol Preferred.Jupiter homeowner Heidi Epstein said her property rates shot up by 50% when her insurer stopped doing business in Florida. Protecting her property will now cost Heidi an additional ,500 a year."In the middle of a pandemic when everyone is not sure what their financials are going to look like, this is not the time to have everything going sky high," she said.The insurance industry blames the 2017-2018 storm season. Hurricanes Irma and Michael caused catastrophic damage and triggered more than billion in claims.Senator Jeff Brandes (R-St. Petersburg) says the storms and rampant lawsuits against insurance carriers are driving the steep hikes in rates."They are filing more and more lawsuits they know some of these insurance companies will settle, and ultimately those costs are passed on to homeowners," he said.Insurance Industry watchdog The Federal Association for Insurance Reform points to thousands of lawsuits filed by contractors. President Paul Handerhan says roofers, plumbers and others solicit homeowners through ads, calls or door knocks and convince them to file an insurance claim. Handerhan described the pitch to homeowners as: "Let us do a free inspection of your roof, let us go inside the property of your home to see if we can find any damages. We will file a claim on your behalf."Brandes says all those claims snowball and lead to premium hikes."You have hundreds if not thousands of people asking for new roofs then all of a sudden rates across the state begin to skyrocket."Pasco County homeowner Linda Cempe got a new roof after contractor Smart Storm Solutions cold-called her about possible storm damage. She said the roofer told her that "other than a minor deductible, the whole cost for the repairs, including the facia and soffits, would be covered."The I-team checked court records and found Smart Storm Solutions filed over 300 lawsuits against insurers, including Linda Cempe's carrier in 2019 alone.Smart Storm Solutions staff attorney Robert MacKinnon says the company will only canvas neighborhoods with known storm damage. He also said the company files cases when insurance companies refuse to pay the full cost of a claim."They are confirmed claims we are arguing over the extent of damages," MacKinnon said.Smart Storm Solutions also sued Larry Kohman's insurance company over his claim after cold calling the homeowner about roof damage.We checked and found court documents showing the Kohmans' insurer settled with Smart Storm Solutions over a year ago. But the contractor never returned to replace the roof."We don't sleep much," Larry said, who explained he and his wife constantly worried about the growing amount of water damage in their home caused by a leaky roof.Smart Storm Solutions' attorney blamed the pandemic for the delay in Kohman's case and apologized, saying the company should have communicated better. After we started asking questions, Smart Storm Solutions replaced the couple's roof.MacKinnon says the lawsuits his company is filing are needed to keep insurers in check and are not part of the rate hike problem.Brandes says insurance rates could double in the next three years over claims and litigation. He says he will propose legislative reform measures that would reduce attorney fees and route some lawsuits into mediation. He's calling on legislative leaders to take action before Florida homeowners face another round of rate hikes that many simply can't afford.Before your next insurance renewal date, shop around for a policy and get multiple quotes. You can also ask to lower your coverage limits and raise your deductible, but it will cost you more if you must make a claim. This article was written by for WFTS. 4028

During his visit to Wisconsin on Thursday, Joe Biden sat down with Charles Benson, a reporter for Scripps' Milwaukee station, to discuss his campaign and the message he wants to spread. Thursday marked Biden's first stop in Wisconsin since the start of his campaign. You can watch the full video above. Benson's conversion with Biden is organized by topic below.MORE COVERAGE:Joe Biden stresses unity in visit to Kenosha, talks to Jacob Blake and his familyJacob Blake speaks by phone with Joe BidenKenosha residents react to Joe Biden visiting Kenosha: 'This community needs healing'Joe Biden discusses meeting with Jacob Blake and his family: Biden discusses meeting with Blake family Biden shares his message to law enforcement: Biden's message to law enforcement Joe Biden: 'Racism is a national health crisis': Biden: Racism is a national public health crisis This article was written by Charles Benson for WTMJ. 1052

One mom in Alaska is trying to draw more attention to how she deals with pain. It’s called microdosing and it involves marijuana. Leah Campbell wrote about it in an 178

At the Denver Public Library, story time is one of the most popular programs. They're interacting with me, they're responding to questions, they're rhyming,” says children’s librarian Warren Shanks. But in the age of social media, a principal in Texas is offering children a more modern option: a digital version of story time. Principal Dr. Belinda George hosts the story hour called "Tucked in Tuesday" on Facebook Live. “You can't just stay stagnant. You'll lose the kids,” Dr. George says. “You got to meet them where they are.” The principal says she got the idea before Christmas break. “I knew I would miss my scholars,” she says. So, she decided to read them a story, while in her pajamas, from her living room. She decided to keep reading, with the goal of bridging the gap between home and school.What started with 35 students from her Texas elementary school, has grown to hundreds of kids and parents around the world. The response has been overwhelming. “In my head, I'm doing something that I love and I’m doing something for kids, and so the attention that I’m getting is kind of like I don't know the big deal yet,” Dr. George says. Now, authors are sending in books for her to read, and some are even joining her during story time. But Dr. George says what's most important is that her students are learning.“They're learning to read with expression,” she says. “They're learning that the principal cares.” 1438

A woman in Maricopa, Arizona, has been arrested, accused of physical abuse against her seven adoptive children. Maricopa police say that on March 13, an adult woman came to their department and said her mother, 48-year-old Machelle Hackney, had been abusing her siblings.According to a police report, she said the siblings were left in locked closets for days at a time, pepper sprayed and left with no food or water for days on end by their adoptive mother.Police went to the home and allegedly found a child in a closet wearing a pull-up diaper and no other clothing. The closet had a lock on it, but it was not locked at the time. Police say they children appeared pale, underweight and had bags under their eyes. One of the children told police they were pepper sprayed numerous times as punishment by his mother, among other physical abuse. "I either get beat with a hanger or belt, or a brush, or get pepper sprayed from head to toe.” The others described similar abuse, including abuse to their private parts and being forced to take ice baths. Police also say the children were also forced to participate and “act” in a popular YouTube series that Hackney filmed in their home. Several of the children said if they forgot lines, or tried not to participate, they would be physically abused as punishment. Police interviewed one of Hackney’s adult sons. Logan Hackney said he and his brother Ryan discussed reporting the abuse, but never did. Logan allegedly admitted to knowing about the physical abuse, and said they would sneak the children food when possible. When questioned, Machelle Hackney "denied the pepper spray, denied the ice baths and stated the only forms of punishment she uses is having to stand in the corner, getting spankings and being grounded,” according to police paperwork. Logan Hackney and Ryan Hackney were booked into Pinal County Jail for seven counts each of failing to report abuse of a minor. Machelle was booked into Pinal County Jail for two counts of molestation of a child, seven counts of child abuse, five counts of unlawful imprisonment and five counts of child neglect. 2131