Wildfires

Subterms

    More stories

    • 150 Shares199 Views

      in Elections

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

      by

      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

    • 125 Shares139 Views

      in Elections

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

      by

      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

    • 175 Shares199 Views

      in Elections

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

      by

      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

    • 138 Shares119 Views

      in Elections

      Trading Hope for Reality Helps Me Parent Through the Climate Crisis

      by

      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

    • 113 Shares139 Views

      in Elections

      California Asks Insurers to Spare Wildfire Victims ‘the List’

      by

      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

    • 88 Shares129 Views

      in Elections

      My 500-Mile Journey Across Alaska’s Thawing Arctic

      by

      Flames were leaping out of the forest beneath the float plane taking us deep into the remote interior of northern Alaska. Our destination was the glacial Walker Lake, which stretches 14 miles through Gates of the Arctic National Park.Nearly 100 miles from the nearest dirt road, Walker Lake is within an expanse of uninhabited tundra, scraggly boreal forests and the seemingly endless peaks of the Brooks Range in a wilderness bigger than Belgium. Once we arrived, we saw wide bear trails bulldozed through alder thickets and plentiful signs of moose and wolves.We had come here to begin a 500-mile journey that would take us in pack rafts down the Noatak River, believed to be the longest undeveloped river system left in the United States, and on foot, slogging the beaches of the Chukchi Sea coastline. Our goal was to get a close-up look at how warming temperatures are affecting this rugged but fragile Arctic landscape. Worldwide, roughly twice the amount of the heat-trapping carbon now in the atmosphere has been locked away in the planet’s higher latitudes in frozen ground known as permafrost. Now that ground is thawing and releasing its greenhouse gases.The fire we flew over was our first visible sign of the changes underway.While wildfires are part of the landscape’s natural regenerative cycle, they have until recently been infrequent above the Arctic Circle. But now the rising heat of the lengthening summers has dried out the tundra and the invasive shrubs that have recently moved north with the warmth. This is a tinderbox for lightning strikes. The fires expose and defrost the frozen soil, allowing greenhouse gases to escape into the atmosphere.I have slept more than 1,000 nights on frozen terrain while exploring the Far North. My first Arctic venture was in 1983, with a fellow National Park Service ranger in a tandem kayak on the Noatak River in Gates of the Arctic. We awoke one morning, startled by the sounds of a big animal running through low willows. It jumped into the river straight toward our tent — a caribou chased by a wolf. We were relieved it wasn’t a bear.I couldn’t help but feel unsettled, even reduced, by the immense sky and landscape. While the scale of it all seemed too much to process, the Arctic had captured my soul and I set out on numerous other trips across different places in the North.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

    • 125 Shares119 Views

      in Elections

      Panic at Pepperdine University in Malibu as Wildfires Threaten City

      by

      No structures were damaged and no one was injured, but students spent a frantic night sheltering in place as thousands of nearby residents evacuated.The residence halls had lost power, and cell service was not working. Embers had sparked tiny flare-ups on the school grounds, setting palm trees ablaze. Helicopters were descending to extract water from a campus pond.And so the students gathered, many in their pajamas, in the library and in the campus center where the windows framed a distressing sight: Flames ravaging the mountains in the not so far distance; smoke spiraling in the dark sky.They called their parents. They prayed.So went early Tuesday morning for nearly 3,000 students, faculty members and staff members at Pepperdine University, a Christian school in Malibu known for its bucolic setting of rolling hills and ocean views.Around them, the Franklin fire, fueled by fierce winds, ravaged the Santa Monica Mountains and forced thousands of people to evacuate from Malibu — the famed affluent coastal enclave that boasts picturesque beaches and celebrity homeowners. Schools were closed, and residents were ordered to stay away.The blaze also shut down a portion of the Pacific Coast Highway, a key artery in and out of the city, as flames leaped across it and threatened the Malibu Pier, a popular tourist attraction. By Tuesday afternoon, the wildfire had burned more than 2,800 acres, and officials said that gusts as strong as 60 miles per hour had challenged the more than 700 firefighters responding to the scene.“But rest assured, we are going to have a coordinated air and ground assault on this fire for as long as it takes,” said the Los Angeles County fire chief, Anthony C. Marrone.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

    • 138 Shares129 Views

      in Elections

      California Lawmakers to Propose $25 Million Fund to Litigate Trump Administration

      by

      California lawmakers will convene a special session on Monday to discuss legislation to bolster the state against potential attacks by Donald J. Trump’s administration, including a proposed fund of up to $25 million to underwrite litigation against the federal government, Gov. Gavin Newsom said.President-elect Trump and fellow Republicans signaled during the campaign that he would target signature California policies if he were to win the election, including environmental protections, safeguards for immigrants, civil rights laws and abortion access. Democratic governors across the country have expressed concerns that the second Trump administration will be better prepared and less restrained.California’s Democratic leaders, who have been working for more than a year on contingency plans in the event of a second Trump term, announced within days of the election that they would begin to meet early this month on plans to “Trump-proof” the nation’s most populous state.“We will work with the incoming administration and we want President Trump to succeed in serving all Americans,” Governor Newsom said in a statement on Monday. “But when there is overreach, when lives are threatened, when rights and freedoms are targeted, we will take action.”The fund for litigation aims to pay for legal resources in the state’s Justice Department and regulatory agencies to “challenge illegal federal actions in court and take administrative actions to reduce potential harm,” according to the governor’s office.The proposed $25 million figure is significantly less than the roughly $42 million that California spent on lawsuits against the federal government during the first Trump administration, when the state sued the government more than 120 times. The smaller number — a fraction of the state’s nearly $300 billion annual budget — is a testament to concern over the risk of a financial shortfall. California’s lawmakers struggled to close a deficit this year.The figure is also a nod to the number of fronts on which the state’s Democrats expect the Trump administration to attack California. Mr. Newsom has already vowed to provide rebates to eligible residents who buy electric vehicles if Mr. Trump ends the $7,500 federal E.V. tax credit. The governor also has floated a possible disaster assistance fund to cover victims of floods and wildfires should Mr. Trump withhold federal aid from the disaster-prone state.California also extends health insurance coverage under the state’s version of Medicaid to low-income residents regardless of immigration status, a program that the next administration has also targeted.But the fund’s size also reflects the state’s success during and after Mr. Trump’s first term in protecting Californians against efforts to weaken state regulations, and the likelihood that Democratic states will work together to challenge Mr. Trump. More