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    What Survivors of the L.A. Fires Took With Them

    Pepper Salter Edmiston had given birth to her last child, her seventh, when she decided to take up the hobby. It started with a cookie jar in the shape of a plump woman in a vintage bathing suit, looking skyward as she nibbled on a treat. Then came the Santa Clauses, Humpty Dumptys, cats and […] More

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    California Bill Would Force Insurers to Pay Full Coverage Without Requiring Itemization

    A proposed new law would release homeowners from the onerous process of listing every object lost in a destroyed home.California’s insurance commissioner joined with state legislators on Friday to propose a new law that would force insurers to pay homeowners 100 percent of the coverage for belongings inside destroyed homes, releasing them from the mentally taxing process of listing every object they lost — a requirement of many insurers, and one that consumer advocates say only compounds the trauma.If passed, the legislation would make California the only state in the country requiring 100 percent insurance payouts without such itemization. Similar legislation in Oregon and Colorado following catastrophic fires in those states require insurers to pay 70 and 65 percent of the coverage limit, without an inventory, according to Emily Rogan, a senior program officer for United Policyholders, which supports the rights of consumers.The bill applies only to homes that were destroyed in a disaster and calls on insurance companies to pay a homeowner’s total contents coverage without forcing them to provide an inventory, according to the bill’s sponsor, California Insurance Commissioner Ricardo Lara, and the bill’s author, State Senator Ben Allen.“The idea here is, we say, ‘Look, this is the insurance plan that you own. You have a total loss, and we’re not going to require you to draw up this itemized list in this moment of incredible pain and vulnerability,’” said Mr. Allen, whose district includes the Pacific Palisades burn zone.Forcing homeowners to account for every last item in their former house is “inhumane,” said Mr. Lara, adding that he was inspired to name the bill “Eliminate ‘The List’” after The New York Times published an article detailing the experience of a homeowner in Altadena, Calif., as she attempted to itemize every T-shirt burned in the flames. “It’s hard to describe the agony in people’s faces,” he said.The proposed law comes a week after Mr. Lara issued a bulletin imploring insurance companies to voluntarily pay 100 percent of the contents coverage for homes destroyed in the recent fires. That notice did not have the force of law, and the commissioner said that “it’s clear that we need to go further,” based both on the Times’s reporting and on the feedback his office has received from distressed homeowners.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Southern California Braces for Storm Damage in Wildfire Areas

    An intense storm could cause flooding and debris flows in areas burned by wildfires. Some residents have begun to evacuate.A large swath of California was bracing Thursday for an intense bout of rain that could lead to flooding and cause debris flows in areas recently burned by wildfires.The Southern California regions scorched by flames last month were of particular concern because the soil in those areas can repel water and allow sheets of water to race downhill, collecting debris along the way.In the Los Angeles area, about two inches of rain was expected over the next two days, but some parts of Southern California could receive more than four inches, according to the National Weather Service office in Oxnard, Calif. A torrent of rain within a short period could pose particular problems.“It’s looking like we’re going to be seeing the highest amount of rain that we’ve had in a single storm so far this season,” Lisa Phillips, a meteorologist with the Weather Service, said. Some officials in Southern California began to issue evacuation warnings and orders on Wednesday. In Santa Barbara County, the sheriff’s office ordered evacuations in areas in and around the burn scar of the Lake fire, which burned more than 38,000 acres last year. Residents under the order were told to leave by 3 p.m. on Wednesday, and those who chose not to evacuate were told to prepare to sustain themselves for several days if they had to shelter in place.Track the Latest Atmospheric River to Hit the West CoastUse these maps to follow the storm’s forecast and impact.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    California’s FAIR Plan Gets $1 Billion Bailout After L.A. Fires

    The move will likely lead to higher costs for households across the state, and may push more insurers to leave, intensifying a home insurance crisis.California’s home insurance plan of last resort, designed for people who can’t get coverage on the private market, does not have enough money to pay claims from the Los Angeles wildfires and is getting an infusion of cash from regular insurers.State regulators said Tuesday that they will allow the program, known as the FAIR Plan, to collect $1 billion from private insurance companies doing business in California to pay its claims. That is likely to drive up insurance costs for homeowners across the state.The situation marks a perilous new stage for California’s home insurance market, which had already been reeling from wildfires made more frequent and intense by climate change. Facing growing losses, major insurers like State Farm were already pulling back from the state, making it harder for homeowners to find coverage.Now the pressure to leave will be even greater.The $1 billion assessment is the largest since the FAIR Plan was created in 1968, and the first time since the 1994 Northridge earthquake near Los Angeles that the FAIR Plan has faced claims it can’t pay on its own. The fee will be divided among insurers based on their market share, as required by state law.“The number one priority right now is that the FAIR Plan pay out its claims,” Ricardo Lara, California’s insurance commissioner, said in an interview. “The FAIR Plan, the way we’ve set it up, is doing what it’s supposed to.”As of 2023, the state’s largest insurers by market share were State Farm, Farmers Insurance Group and CSAA Insurance, according to data from AM Best, a company that rates the financial strength of insurers. Other major insurers in the top 10 included Liberty Mutual, Allstate and Travelers.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    The New NIMBY Battle Over the Waste From the L.A. Fires

    Federal and state officials say the temporary sites for processing hazardous waste pose no threat, but residents are worried about their air and water.Gov. Gavin Newsom of California visited Altadena on Tuesday to praise the progress of the cleanup after the devastating Eaton and Palisades fires, vowing to complete debris removal at “unprecedented, record-breaking speed.”Catalina Pasillas has a problem with the debris, but her home is far from Altadena. She lives near one of the four federal staging areas where hazardous materials from the rubble are being stored.Ms. Pasillas, a real estate agent who lives in Duarte, about a mile from one of the sites in the San Gabriel Valley east of Los Angeles, said smoke from the fires had exacerbated her asthma. Now, she worries that the waste site, in Lario Park, will poison the air even more.“I understand they need to put the toxic waste somewhere,” she said. “But it feels like they chose our city because they thought we wouldn’t say anything.”Near the ruins of the Los Angeles fires, a new battle has been emerging over how to dispose of the toxic waste left behind.Federal officials said the four temporary sites processing the debris pose no threat to public health or to the environment. But some local leaders and residents worry that their neighborhoods could suffer long-term environmental harm and accuse officials of selecting them because they are working-class Black and Hispanic communities.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    7 Years After Losing My House in a Wildfire, I Still Have My Moments

    Sean KellySean Hope Kelly is a cartoonist whose work appeared in “Rescue Party: A Graphic Anthology of Covid Lockdown.”The Times is committed to publishing a diversity of letters to the editor. We’d like to hear what you think about this or any of our articles. Here are some tips. And here’s our email: letters@nytimes.com.Follow the New York Times Opinion section on Facebook, Instagram, TikTok, WhatsApp, X and Threads. More

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    Trading Hope for Reality Helps Me Parent Through the Climate Crisis

    When I gave birth to my first child, in 2019, it seemed like everything that could possibly go wrong went wrong. He came out white and limp, his head dangling off to the side. People swarmed into the hospital room, trying to suction his lungs so he could breathe. Hours later, my husband and I stood in the NICU, looking down at this newborn baby, hooked up to wires and tubes.We had spent months talking about how to protect him from various harmful influences, and here we were, an hour out of the gate, dealing with a situation we hadn’t even considered. Had his brain been deprived of oxygen for too long? Would there be lifelong damage?That night in the hospital, I learned the first lesson of parenting: You are not in control of what is going to happen, nor can you predict it. This applies to your child’s personality, many of his choices and to some extent his health. It also applies to the growing threat of climate change.The climate crisis is bad and getting worse. Here in Oregon, we’ve endured several severe heat waves and wildfires in recent years. As the impacts compound, it’s clear a lot of people around the world — many of them children — are going to suffer and die.Globally, one in three children is exposed to deadly heat waves, and even more to unclean water. A study estimated wildfire smoke to be 10 times as harmful to children’s developing lungs as typical pollution. Researchers also concluded that nearly every child in the world is at risk from at least one climate-intensified hazard: extreme heat, severe storms and floods, wildfires, food insecurity and insect-borne diseases.If you are someone like me who has children and lies awake terrified for their future, you should not let hopelessness about climate change paralyze you. In fact, I would argue that right now the bravest thing to do — even braver than hoping — is to stop hoping.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    California Asks Insurers to Spare Wildfire Victims ‘the List’

    The state’s regulator wants insurance carriers to pay full policy limits without requiring victims to itemize every object in their destroyed homes.California’s top insurance regulator urged insurance carriers on Thursday to pay policyholders the full amount of the belongings in their coverage without requiring them to itemize every object lost — an undertaking that has burdened thousands of residents whose homes were destroyed by wildfires last month.In a notice that said policyholders are “overwhelmed,” Ricardo Lara, California’s insurance commissioner, gave insurance companies a deadline of Feb. 28 to inform the state agency on whether they would comply.Consumer advocates have long criticized the demand by many insurance carriers that homeowners to make detailed lists if they hope to get their full coverage amount.The stress is compounded in places like California’s burn zone, where many families are scrambling to find new places to live and new schools for their children. The monumental task of remembering all items inside a home that no longer exists is adding unbearable strain, said Michael Soller, the deputy insurance commissioner, in an interview.Mr. Soller said he and his colleagues continue to hear from homeowners about “the agony of having to go through the process of filling out an inventory after you just lost everything.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More