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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) -- Firefighters have extinguished the fire that caused a hotel near Harbor Island Park to be evacuated Wednesday afternoon. Firefighters say the two-alarm fire broke out at the Sheraton on the 1300 block of Harbor Island Drive. No one was injured, but the fire, which took place in the hotel's elevator shaft, caused at least 0,000 in damage. Firefighters were alerted to the fire after they say people reported heavy smoke coming from the elevator shaft.At this time, the cause of the fire is unknown.  551

SAN DIEGO (KGTV) — Five of California's 10 largest fires ever are still burning.The largest of the state's wildfires, the August Complex fire, is now California's largest wildfire on record, burning 471,185 acres since Aug. 17. The blaze began as 37 different fires before each merged into the massive group.According to CAL FIRE, its list of the 10 largest wildfires in state history (as of Sept. 10, 2020) includes:August Complex: 471,185 acres (August 2020; 24% contained)Mendocino Complex: 459,123 acres (July 2018)SCU Lightning Complex: 396,624 acres (August 2020; 97% contained)LNU Lightning Complex: 363,220 acres (August 2020; 94% contained)Thomas Fire: 281,893 acres (December 2017)Cedar Fire: 273,246 acres (October 2003)Rush Fire: 271,911 acres (August 2012)Rim Fire: 257,314 acres (August 2013)Elkhorn Fire (SHF Elkhorn Lightning Fires): 255,309 acres (August 2020; 27% contained)North Complex: 252,163 acres (August 2020; 23% contained)The state's 17th largest wildfire in history, the Creek Fire, is also still burning in Fresno and Madera Counties. It has burned 175,893 acres since it ignited on Sept. 4 and is 0% contained. 1148

SAN DIEGO (KGTV) - For the first April 20 in California, marijuana use is legal in the state.California’s new recreational marijuana laws took effect Jan. 1, 2018, as the passage of Proposition 64 in November 2016 opened up the state to regulate cannabis. For local users, however, it's not a matter of simply heading outside and smoking freely.Several state laws are in place to make sure smokers celebrate "4/20' legally - and safely - will be in effect Friday. Here's what they need to know:RELATED:  536

SAN DIEGO (KGTV) - Fire investigators have determined that a blaze that scorched 100 acres in the San Pasqual Valley Monday was not intentionally set.  169