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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

IDAHO — Newly released court documents are shedding light on the disappearance of Joshua "J.J." Vallow and Tylee Ryan, whose remains were found last week on Chad Daybell's property in Idaho.A probable cause affidavit for Daybell's arrest, filed June 10 in Madison County, outlines what led investigators to Daybell's home and ultimately to the remains of the missing children. This includes cell phone location data of the kids' uncle Alex Cox around the time of their disappearance, as well as text messages Daybell sent to his wife at the time.Tylee, 17, was last seen Sep. 8, 2019, at Yellowstone National Park, while J.J., 7, was last seen on the 22nd. The FBI's Cellular Analysis Survey Team discovered through Cox's cell phone GPS that he was at Daybell's home on Sep. 9 and 23.Cox, the brother of the kids' mother Lori Vallow Daybell, was with the two kids and their mom in Yellowstone that day, verified through photos. They returned home to Rexburg around 8:30 that night.Between 2:42 and 3:37 a.m. Sep. 9, Cox’s phone was at Lori and the kids’ apartment. He lived in a separate apartment in the same complex. They had moved there from Arizona on or around Sep. 1.“This is significant, not only because he was there in the middle of the night, but also because this is the only time in September he appears to go over to Lori’s between midnight and 6 a.m.,” the probable cause statement read.Later that same morning, GPS data indicates that Cox went to Chad Daybell’s home in Salem — specifically outside near the east end of a barn on the property. He appeared to have been on the property from 9:21 to 11:39 a.m. The FBI also discovered text messages between Tammy and Chad Daybell, who were married at the time. Tammy died on Oct. 19, 2019, and Chad married Lori just weeks later.On Sep. 9 at 11:53 a.m., Chad sent a text message to Tammy that said:“Well, I've had an interesting morning! I felt I should bum all of the limb debris by the fire pit before it got too soaked by the coming storms. While I did so, I spotted a big racoon along the fence. I hurried and got my gun, and he was still walking along. I got close enough that one shot did the trick. He is now in our pet cemetery. Fun times!”Investigators spoke to Tammy’s sister about a week before serving a search warrant on Daybell’s property, who confirmed that the couple had a “pet cemetery” on their land. She also confirmed its location to investigators on an aerial photograph. The location was near a firepit where Cox’s phone location was pinged.Cox’s phone was again pinged to Daybell’s property on Sep. 23, the day after J.J. was last seen.J.J. was last seen on Sep. 22 at his home by two of Lori’s friends who were visiting. The next morning, the friends asked Lori where J.J. was, and she told them Cox had come and taken him after he was “acting like a zombie” — which the friends also say Lori had said about Tylee several months before.Cox’s cell phone was again located at Daybell’s property on the morning of Sep. 23 from 9:55 a.m. to 10:12 a.m. The location was specifically pinged to a pond on the northern edge of Daybell’s property.Investigators also noted that Cox was at Daybell’s home two other times: Sep. 6 and Sep. 25, these times inside Daybell’s house and not at the firepit or pond.After discovering this information, investigators obtained and executed a search warrant on Daybell’s property on June 9. They dug in the two locations where Cox’s phone location showed him on the two days after each child’s disappearance and found both their remains.Lori and Chad are both in jail on million bond. Lori is charged with desertion and nonsupport of her children, while Chad is charged with destruction or concealment of evidence.Cox died in December of a heart attack. This article was written by Spencer Burt for KSTU. 3865

An Amazon driver was seen dropping packages into the sewer in a Baltimore neighborhood. According to Baltimore County Police, officers were called to the neighborhood around 6:44 p.m. Sunday after a neighbor called 911 to say an Amazon driver was dropping packages into the sewer.Police say the driver is from a temp agency and wanted to get off work. He dumped the packages out of anger and the temp agency will be on the hook for the damages. Police are waiting for the officer to finish the report to see how many packages were damaged. They will then determine if an arrest needs to be made.An Amazon spokesperson released a statement on the incident:We have high standards for delivery service partners and expect every package to be handled with care. We've notified the right teams internally and will work with the customers directly on matters related to their package delivery. WMAR first reported this story. 942

Millions in Northern California saw apocalyptic orange skies this week as massive wildfires burn through the region.Phoenix native Kristen Marin and her family live 2.5 hours north of San Francisco in Mendocino County, while the Oak Fire is burning near them."It feels a little like doomsday," said Marin. "It felt like it was night all during the day time. The air quality was awful. The crickets were chirping. The floodlights were on, thinking it was dark. Everything is covered in ash. It smells like smoke. You'd think that you were in a fireplace," said Marin.On Thursday, the Oak Fire was 25% contained.Luckily, Marin's family hasn't been told to evacuate."You're just on notice, all the time you're wondering if it's going to be your community or your address that pops up on the alert," said Marin.According to the California Department of Fires and Forestry Protection, there are about 14,000 firefighters on the line of 29 major wildfires burning across the state.Tait Mitton is leading a team of four from the Arizona Fire and Medical Authority. They're on a two-week mission northeast of Fresno working night shifts on the Creek Fire in the Sierra National Forest."Our responsibility is life safety. Making sure everyone is evacuated from the area, also protecting structures, houses, cabins," said Mitton.The Creek Fire has burned more than 175,000 acres and destroyed hundreds of homes and is 0% contained."Right now California---the firefighters over here --they're working really hard, they're overtaxed right now, we're going to do everything we can to help and help the community," said Mitton.Mitton said compared to desert fires, the vegetation in the Sierra National Forest makes it harder to contain the flames since there are more trees than burn hotter for longer. This article was written by Claudia Rupcich for KNXV. 1867

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