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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) — California Gov. Gavin Newsom moved Friday to bypass environmental regulations to prepare for the next wildfire season, a move he said was necessary to prevent further loss of life even as it frustrated activists in a state viewed as a national environmental leader."The increasing wildfire risks we face as a state mean we simply can't wait until a fire starts in order to start deploying emergency resources," Newsom said in a statement ahead of declaring a state of emergency.California experienced two of its most destructive and deadly wildfire seasons in 2017 and 2018 and experts say climate change increases the risks. Newsom said clearing dead trees at a quick pace is essential to diminishing future threats. President Donald Trump has blamed California fires on poor forest management, though experts say climate change caused by people is more of a factor.Newsom is taking recommendations from the California Department of Forestry and Fire Protection, but one environmental group likened it to actions by Trump."Gov. Newsom should reject the Trump approach of logging and rolling back critical environmental protections," said Shaye Wolf, climate science director for the Center for Biological Diversity.Newsom also pledged million for fire preparedness in low-income communities and asked the private sector to bring forward innovative proposals.The center and other environmental groups said focusing on retrofitting and creating defensible space around homes is more effective than thinning forests. Sierra Club California said clearing trees might create more danger by loosening soil that could lead to mudslides.Newsom's order will apply only to 35 projects covering nearly 141 square miles (365 square kilometers) of land, allowing state fire officials to go around multiple state regulations. They include provisions of the California Environmental Quality Act, one of the nation's strictest state-level regulations. Administration officials would need to give the go ahead to each individual project and it's unclear exactly which regulations each individual project would forego.Newsom said moving through the normal process would drastically slow down the state's ability to act."Some of these projects quite literally, not figuratively, could take two years to get done, or we could get them done in the next two months," he told an audience in Lake County, the site of several massive wildfires in recent years.The union representing state firefighters praised Newsom's plan."These circumstances are unusual, unpredictable, unseen in our lifetime, and courageous decisions that sometimes go against the political winds need to be made," said Tim Edwards, president of CAL Fire Local 2881.Republican state Sen. Pat Bates also praised Newsom for acting with urgency ahead of the wildfire season."I stand ready to assist the Governor with any legislative action to eliminate bureaucratic roadblocks that could slow these projects," she said in a statement.While environmental groups bristled at Newsom's plan, they still align with him on a wide range of issues. Newsom's predecessor, fellow Democrat Jerry Brown, was known globally for his fight against climate change but still clashed with environmental groups at home on some issues.California has set a goal, for example, of getting 100 percent of its energy from carbon-free sources by 2045, and passed a landmark cap-and-trade law to decrease emissions."On the whole we see (Newsom) as an ally on environmental issues. I think what we're disagreeing with here is an approach to a problem that we all recognize," said Kathryn Phillips, director of Sierra Club California.The state's environmental laws are designed to protect California's soil stability, watershed and wildlife habitats, she said, and waiving environmental reviews could have unintended consequences."For some suspension of oversight now, what's the consequence going to be later?" she said. "Are we going to end up having huge silt floods and mudslides?"Beyond accelerating tree clearing, Newsom put out a "request for innovative ideas" from the private sector to help fight California fires. He said he wants to tap into Silicon Valley and California's spirit of creativity to come up with solutions to reduce wildfire threats. 4312

SACRAMENTO, Calif. (AP) — The California Supreme Court ruled unanimously Monday that inmates convicted of nonviolent sex crimes cannot be denied a chance at early parole consideration under a ballot measure approved by nearly two-thirds of voters four years ago.Former Gov. Jerry Brown, who championed the 2014 initiative as a way to reduce prison populations and costs by speeding chances for parole, has repeatedly said he and other proponents never intended for it to cover sex offenders.But lower appeals courts ruled that the plain language of the initiative means they cannot be excluded from consideration as nonviolent offenders, and the high court agreed. 672

Roman Catholics account for a bit more than 20% of the U.S. population. Yet they are on track to hold six of the Supreme Court’s nine seats now that President Donald Trump is expected to nominate Amy Coney Barrett to fill a vacancy. It’s a striking development given that the high court, for most of its history, was almost entirely populated by white male Protestants. Catholic academics and political analysts offer several explanations for the turnaround. They cite Catholics’ educational traditions, their interest in the law, and – in the case of Catholic conservatives – an outlook that has appealed to recent Republican presidents. Barrett, a favorite of conservative activists for her views on abortion and other issues, will likely be an ideological opposite of liberal icon Ruth Bader Ginsburg, the Jewish justice whose recent death created the vacancy.Margaret McGuinness, a professor of religion at La Salle University in Philadelphia, noted that Sonia Sotomayor is the only current Catholic justice appointed by a Democrat. The others — Chief Justice John Roberts, Samuel Alito, Clarence Thomas and Brett Kavanaugh and likely Barrett – were appointed by Republicans. 1187

SACRAMENTO, Calif. (AP) — California has already moved to automatically expunge the records of those convicted of qualifying marijuana crimes. Now, Democratic lawmakers and advocates want to erase the records of those who have served their time for other crimes.The lawmakers and dozens of supporters rallied in sweltering heat Tuesday supporting two Assembly-approved bills that would automatically expunge arrest and conviction records for an estimated 1 million residents who are already entitled under existing law because they have completed their sentences and supervision."Right now, if you serve your time you still can't get housing, you still can't get work, you still get treated like a criminal," said San Francisco Assemblyman Phil Ting, who authored one of the bills.His bill would require the state attorney general to catalog qualifying arrest and conviction records of lower-level felonies and misdemeanors so they can be cleared. That's similar to a law that took effect Jan. 1 requiring the attorney general to identify by July 1 those who are eligible to have their records scrubbed because California legalized recreational marijuana in 2016 and made the reduction in legal penalties retroactive.Supporters of Ting's bill and a related bill by Oakland Assemblyman Rob Bonta said the current expungement system is too cumbersome and too few take advantage even if they qualify. They count more than 4,800 California legal restrictions on those with convictions."Every right should be restored," said state Sen. Nancy Skinner of Berkeley. "Once you've done your time, that's enough."Jay Jordan, executive director of the nonprofit Californians for Safety and Justice that organized the rally, said he served eight years in prison for a robbery he committed at age 18, and still bears the consequences 15 years later."I can't sell real estate, can't sell used cars, can't sell insurance, can never adopt, I can't coach my son's Little League team, can't join the PTA, can't chaperone him on field trips," he said. "It just harms people. It doesn't make economic sense, doesn't make public safety sense."A state association of law enforcement records supervisors opposes the bill, saying it would be costly and burdensome when people can already petition to have their records expunged. Legislative analysts said the bills could cost tens of millions of dollars, though Jordan said that would be offset by the economic benefits of letting more former felons get jobs.The bills awaiting consideration in the state Senate would "unnecessarily put the burden on records management personnel, who are short staffed and without sufficient resources, to move arrest dispositions to an automated system, a very labor intensive and cost-prohibitive task," objected the California Law Enforcement Association of Records Supervisors, Inc. The group fears it would also create a legal liability for agencies that inadvertently miss a qualifying record.The lawmakers propose to use technology that can search for qualifying records, which Ting said can greatly reduce the time and cost. 3099

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