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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

MINNEAPOLIS, Minn. – All four police officers involved in the death of George Floyd in Minneapolis are now facing charges. Minnesota Attorney General Keith Ellison announced Wednesday afternoon that former officer Derek Chauvin’s murder charge has been upgraded from third-degree to second-degree. He’s also being charged with second-degree manslaughter.Ellison also announced that former officers Tou Thao, J. Alexander Kueng and Thomas Lane are being charged with aiding and abetting second-degree murder for their role in Floyd's death. Watch Ellison discuss the additional charges below: Ellison took the lead on the case last week and will work alongside Hennepin County Attorney Mike Freeman as they seek justice for Floyd’s killing. Wednesday, Ellison said additional evidence in the case allowed prosecutors to enhance the murder charge against Chauvin.The attorney general said that getting a conviction against the former officers will be a challenge. He added that Freeman is the only prosecutor in the state who has won a murder conviction case against an officer.Floyd died in police custody on Memorial Day. Bystander video shows one police officer, Chauvin, kneeling on Floyd's neck for more than eight minutes. Additional video shows that officers Keung and Lane also put their body weight on Floyd during the arrest. Officer Thao stood by with his back turned during the arrest. In addition to the their charges, all four officers have also been fired from the Minneapolis Police Department.Ben Crump, an attorney for the Floyd family, released this statement after the new charges were revealed: 1628

Black Friday and Cyber Monday may get a lot of attention during the Thanksgiving shopping weekend, but you could score even bigger deals Tuesday. “Travel Deal Tuesday” sees airlines cut fares up to 40 percent. The 227

CHICAGO, Ill. For the last few years, libraries have begun leveraging their resources in the fight against the deadly opioid crisis, providing critically needed information, and services. And while it’s too early to measure the impact they are having, libraries are playing an increasingly active role in prevention and recovery efforts. Every day, 130 Americans die from an opioid overdose. It’s an epidemic that Public Library Association Deputy Director Larra Clark says has placed libraries and their staff on the frontlines. “If there is an issue that's playing out in this country libraries are almost certainly part of that story,” said Clark. According to the Centers for Disease Control and Prevention, from 1999 to 2017, almost 400,000 people died from an overdose involving an opioid, including prescription and illicit drugs. Three overdoses inside the Peoria Public Library in central Illinois in less than a year forced administrators there to act. Deputy director of the Peoria Public Library Roberta Koscielski says on one occasion, a man in the midst of an overdose came up to a librarian in the middle of the day. “He collapsed right in front of her at the desk. So, she called the security card called emergency responders and he was revived with Narcan,” said Koscielski. About 80 staff members at all five of their branches are now trained on how to administer the life-saving overdose antidote Narcan or naloxone. “This role of library as an intermediary intervener supporter is not new but I think this crisis is new and we have to help the people who are coming in our doors” said Clark. The nonprofit Online Computer Library Center released a report this past fall detailing some of the ways libraries are playing a larger part in battling the national opioid crisis. At the top of that list, says Clark, is education. “How can we translate that into better services and support for people for individuals who may be addicted or for their families and their communities?” 7,000 pill bottles representing the number of opioid prescriptions filled each day in Utah hung from the ceiling at the Salt Lake County Library as part of a marketing campaign titled “Use Only as Directed” meant to represent the magnitude of the crisis. Many libraries are stocking books like Sam Quinones’s Dreamland: The True Tale of America’s Opiate Epidemic. “I had no idea when I read it just about the size of the problem and that people can work a job and be very addicted to a substance,” said Koscielski. With the threat from opioids in the form of pills, heroin and fentanyl not going away, Clark says many libraries are helping to search for answers and provide them to those who need them most.“One of the things that we heard from people is do something, right? There's not one right answer to this. It is not going to be libraries alone. It is not going to be any of these other agencies by themselves. This issue is too big.” 2954

Before Riccardo Drago owned his company delivering 12,000 Amazon packages a day, he was a bodyguard. He was of the first to take part in Amazon's pilot program, which helps people to build a delivery business. Drago received training, coaching and financial assistance to get his business, Drago Fleet, off the ground. “It's not like they say, ‘Hey, here's 20 vans’ and throw you to the wolves,” he says. “They actually coach you through and everything, so it's actually a really smooth process.” Today, Amazon announced it's trying replicate Drago’s success by expanding its delivery service partner program, offering current Amazon employees up to ,000 and three-months of their salary to start their own delivery businesses. “If you're an entrepreneur and you want to be independent, you don't mind working, you know, 80 plus hours a week, this is perfect,” Drago says.But experts say there are still risks.JB Holston, dean of the University of Denver's Daniel Felix Ritchie School of Engineering and Computer Science, believes Amazon needs to provide even more support than what’s being offered. Amazon has pledged to provide new business owners with regular work, access to its delivery technology, hands-on training and discounts on Amazon vans, uniforms and insurance. “They want them to succeed. It's not a passive operation,” says Dr. Cliff Young with the University of Colorado. “This is an active engagement with entrepreneurs to be to be mutually profitable.” Amazon wants to create its own delivery empire, instead of using companies such as UPS and FedEx. It says since June, it’s already created 200 new delivery service partners. 1662

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