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SACRAMENTO (AP) — California on Thursday temporarily banned insurance companies from dropping customers in areas affected by more than a dozen recent blazes, invoking a new law for the first time as homeowners in the wildfire-plagued state struggle to find coverage while carriers seek to shed risk.The order from Insurance Commissioner Ricardo Lara will last for one year, and it only covers people who live inside or next to the perimeter of 16 different wildfires that burned across the state in October. The Department of Insurance estimates the moratorium will affect 800,000 policies covering millions of people in portions of Los Angeles and Riverside counties in Southern California and Sonoma County in the northern part of the state.The move comes as regulators are aggressively trying to assist homeowners in wildfire-prone areas who say they are being pushed out of the commercial insurance market as climate change makes fires larger and more frequent.RELATED: Cal Fire: Acres burned across the state is much lower in 2019 than 2018Seven of the 10 most destructive wildfires in California history have happened in the last five years — including 2018′s Camp Fire, which destroyed roughly 19,000 buildings and killed 85 people in and around the Northern California town of Paradise. That blaze alone generated more than billion in insurance claims, according to the Department of Insurance.Since 2015, state officials say insurance companies have declined to renew nearly 350,000 policies in areas at high risk for wildfires. That data does not include information on how many people were able to find coverage elsewhere or at what price.One of those homeowners is Sean Coffey, who said he and his wife have struggled to maintain fire insurance on their home in Oakland.“The pattern repeated itself almost every year since we bought our house. We would have (coverage) for 10 months. In the fall, we would get a notice we are being dropped,” he said.RELATED: Study: Alien grasses are making more frequent US wildfiresCoffey now buys fire insurance from the California Fair Access to Insurance Requirements Plan, an insurance pool mandated by state law that is required to sell policies to people who can’t buy them through no fault of their own. He must purchase a second policy to cover risks other than fire.FAIR Plan policies in wildfire-prone areas have grown an average of 8% each year since 2016, according to the Department of Insurance. Last month, Lara ordered the FAIR Plan to begin selling comprehensive policies next year that cover more than just fire damage. FAIR Plan Association President Anneliese Jivan called that order “a misguided approach,” saying it will make all of the plans more expensive.Lara has the authority to order the moratorium under a bill he authored while in the state Senate last year that was signed into law by former Gov. Jerry Brown. The law took effect in January, and this is the first time regulators have used it.In addition to ordering the moratorium, Lara called on insurance companies to voluntarily stop dropping customers solely because of wildfire risk.RELATED: Bigger, longer blackouts could lie ahead in California“I believe everyone in the state deserves this same breathing room,” Lara said.A spokeswoman for the American Property Casualty Insurance Association did not immediately respond to a request for comment.While state officials rush to assist homeowners, a new report from California Auditor Elaine Howle said the state did not do enough to protect non-English speaking, elderly and other vulnerable residents during three of the state’s most devastating fires in recent years.The audit covered Butte County, site of 2018′s Camp fire, plus the 2017 Thomas Fire that burned more than 281,000 acres in Ventura County and 2017 fires in Sonoma County that killed 24 people. The audit found none of the three counties had assessed its residents to determine who might need extra help and whether resources were available to help such people, such as transportation, during a natural disaster.The audit also scolds the state oversight agency, the Governor’s Office of Emergency Services, for failing to assist counties in developing such plans and reviewing any plans in place.Howle says it was impossible to determine whether lives could have been saved “if the counties had planned differently or more fully implemented the best practices”her office recommends in the report.” But she noted that “inadequate plans and insufficient planning are proven contributors to failure.” 4561

SACRAMENTO, Calif. (AP) — The enthusiasm both parties say exists in the electorate hasn't yet translated into early voting in California, where the percentage of people who have voted so far is similar to this time four years ago.Voters who are Republican, white and older are sending in their ballots early at a higher rate, which is typical in California elections, said Paul Mitchell of Political Data Inc., a firm that collects voter data from the counties.About 570,000 Californians had cast ballots as of early Monday. That's about 100,000 more than voted at this point in the 2014 election. About 12.5 million people received mail-in ballots, compared to 9.2 million four years ago.RELATED: What you need to know about voting this NovemberThe early numbers are just a fraction of the total voters expected to cast ballots by mail. California voters can send in their ballots through Election Day, on Nov. 6, and ballots are counted as long as they are received by the Friday after the election.In 2014 roughly 4.5 million people cast mail ballots."Right now it's hard to tell exactly how much we're measuring enthusiasm and how much we're measuring changes in the mechanics of the elections," Mitchell said.Monday is the deadline to register to vote, although people can register conditionally through Election Day. Their ballots will be treated like provisional ballots that are counted after the voter information is verified.Statewide, Republicans count for just a quarter of registered voters. But they make up 34 percent of early voters.RELATED: See your sample ballot for the November 2018 electionEighty percent of already returned mail ballots are from voters older than 50, even though they make up only about half of the electorate.Democrats need strong turnout to win U.S. House seats in Orange County and the Central Valley that have long been held by Republicans. They're banking on increased enthusiasm among voters angry at President Donald Trump or concerned about issues such as health care and immigration to drive turnout."For Democrats to win these competitive congressional races they need atypical," Mitchell said.Drew Godinich, a spokesman for the Democratic Congressional Campaign Committee, said Latinos and young voters are "outpacing expectations" in key districts and that it's too early to jump to conclusions about turnout."In these tight races, every vote counts — and Democrats have been organizing since last year to turn out our voters in these crucial midterms," he said in a statement.More than 19 million people registered to vote as of early September, a record in a California gubernatorial election.Mitchell predicts a 56 percent voter turnout. That would be higher than the 2014 election but lower than 2010. 2774

ROSEMEAD (CNS) - Residents across Southern California were checking their homes and apartments this morning for any damage caused by a magnitude 4.5 earthquake that struck two miles south of Rosemead and was felt across a large portion of the region, including Orange County.The quake struck at 11:38 p.m. Friday, according to the U.S. Geological Survey. It was in almost the same location as the magnitude 5.9Whittier Narrows earthquake in 1987, famed seismologist Dr. Lucy Jones said. ``Just like in '87, the earthquake is quite deep ... it's possibly on the same fault,'' Jones told NBC4 early Saturday morning.She later tweeted this quake ``is not considered an aftershock (to the Whittier Narrows quake) because the aftershocks died off completely in less than two years.''A pair of aftershocks, magnitudes 2.1 and 1.6, struck within 10 minutes of Friday's quake, Jones said.She said there is about a 5% chance this was a foreshock to a bigger earthquake.The Los Angeles Fire Department went into ``Earthquake Mode, with all 106 Neighborhood Fire Stations checking their areas for damage.''About 12:45 a.m., the department said it had completed its assessments. "Though felt widely in the greater Los Angeles area, we are pleased to report there are no serious injuries, and no preliminary indication of significant infrastructure damage within the City of Los Angeles,'' department spokesman Brian Humphrey said.The department asked residents to also check on at-risk neighbors, especially seniors living alone, and pets. Immediately after the quake, the department called on residents to be prepared for aftershocks.``If inside when shaking starts: DROP, COVER, HOLD ON,'' the department said in a statement. ``Protect your head (and) neck while taking cover under sturdy furniture or near a sturdy interior wall, away from windows and doorways until the shaking stops.''There were no reports of damage at Los Angeles International Airport, but crews are thoroughly checking the airfield and terminal, officials at Los Angeles World Airports said.USC tweeted about 2:15 a.m. that ``(Department of Public Safety) completed a survey of (the main) & (Health Services) campuses, respectively. There were no reports of injuries or damage.''A news photographer near the Golden State (5) and Garden Grove (22) freeways in Santa Ana told City News Service the shaking there was ``significant.''The Los Angeles Police Department tweeted about 12:40 a.m. ``fortunately there are no significant incidents to report'' and asked residents to only call 911 for emergencies. 2578

ROCHESTER HILLS, Michigan — A Michigan man is accused of trying to kill a teen after the boy allegedly knocked on his door for directions.Jeff Zeigler, 53, a former Detroit firefighter, is charged with assault with intent to murder over the incident.Lee Kolozsvary, a long-time friend of Zeigler's says he's blown away by the allegations and thinks he was just trying to scare away the teen at the door.During a hearing on Friday, Zeigler said the public isn't hearing the whole store.Brennan Walker, 14, got lost on his way to school without a phone after missing the bus."I guess I put my hand up, I don't really remember, and I started to run," Walker said. "I looked back behind me and I saw him aiming at me and I turned back. I turned back and I heard the gunshot."Walker's family said the thought he was trying to break in. It was all caught on security video.Kolozsvary says he doesn't think Zeigler had any intent to kill."The Jeff Zeigler I know, he's a good guy," Kolozsvary said. "I know what kind of family man he is and I don't think he had any malice whatsoever toward that young man except for the protection of his home." 1156

SACRAMENTO, Calif. (AP) — Gov. Gavin Newsom formally apologized Tuesday for violence, mistreatment and neglect inflicted on Native Americans throughout California's history, saying it amounted to genocide and pushing the state to reckon with its dark past.The Democratic governor met with tribal leaders at the future site of the California Indian Heritage Center, where he also announced the creation of a council to examine the state's role in campaigns of extermination and exploitation.Throughout history, the California government was key to efforts to remove and kill Native Americans who lived on land that would become part of what is now the world's fifth-largest economy."Genocide. No other way to describe it, and that's the way it needs to be described in the history books," Newsom said.Joseph L. James, chairman of the Yurok Tribe, which has territory near the Northern California coast, said it is significant to hear the governor acknowledge the state's efforts to eliminate indigenous communities around the time of the Gold Rush."It was a step into healing," he said.James said he hopes the governor maintains a close relationship with tribes on a range of issues, including the protection of natural resources and prevention of wildfires.Newsom is not the first to apologize for the treatment of Native Americans.Congress tucked an apology in a 2009 military spending bill, acknowledging "years of official depredations, ill-conceived policies, and the breaking of covenants by the federal government regarding Indian tribes."Last year, then-Alaska Gov. Bill Walker issued an apology to the state's indigenous people, listing a series of wrongs.Other governors have apologized for specific episodes in history, from the killing of Arapaho and Cheyenne people in the Sand Creek Massacre of 1864 to the forced move of Potawatomi people from Indiana to Kansas in 1838 on what has become known as a trail of death.Newsom pointed to California's efforts to remove American Indians as people flooded the state searching for gold in the mid-19th century.California's first governor, Peter Burnett, declared to legislators in 1851 "that a war of extermination will continue to be waged between the two races until the Indian race becomes extinct must be expected."The Legislature subsequently approved .29 million to subsidize militia campaigns against American Indians, Newsom's office said.Like other states in the U.S. West, California has seen renewed debate about its treatment of indigenous people.Stanford University announced last year it would remove the name of Spanish missionary and Catholic saint Junipero Serra from some parts of campus following criticism over his treatment of Native Americans.And in recent years, some schools have abandoned what was once a common project in elementary classrooms around California: building models of Spanish missions, which were constructed in real life with the forced labor of Native Americans.California has the largest proportion of American Indians in the United States. About 723,000 residents identified as American Indian during the 2010 census. 3127

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