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Concerns over insurance rates spread far beyond fire-prone areas in California

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Concerns over insurance rates spread far beyond fire-prone areas in California


ROSEVILLE — Hotter days are still to come, putting fire fears top of mind for many. However, it’s not just for homeowners who live in wildfire-prone areas but homeowners who call the suburbs home.

It’s not a new headline that insurance companies are pulling back on insuring California homeowners in high-risk fire zones, but what is new is how climate change is impacting homes in areas that aren’t typically considered a risk.

In Roseville, a homeowner was tasked by her insurance company to take photos of her home. What followed in the mail was a letter notifying her that she would be dropped by the company unless thousands of dollars worth of changes were made to the home, which was built within the last decade.

“This came as a surprise because we thought nothing has really changed,” said Nadia Melzer, a homeowner and Placer County realtor.

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She’s been on both sides of a growing insurance issue that she once believed wouldn’t land at her front door or, in her case, in her backyard.

According to Melzer’s previous insurer (she’s since changed companies), her home needed updates that included trees being moved further apart in the backyard and closing soffits on the home.

On the other side of her backyard fence is an open field, which she believes is the main reason her former insurance company wanted to drop their home.

“Living here in the suburbs, I didn’t think that was anything I would have to worry about,” Melzer said.

CBS13 took these questions and concerns to Ryan Lundquist, an appraiser and housing analyst. He said that he’s heard stories like this and others locally that start with a letter in the mail about changes and end with a homeowner losing home insurance.

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Tall grass, homes over 100 years old, trees close to the home, and a house near open space are all reasons Lundquist said he’s heard cited to homeowners about why their home insurance won’t be renewed.

“I’m starting to hear a lot more stories like this, and it seems like insurance companies are getting a bit nit-picky over issues,” he said.

Another trend Lundquist said he’s seen used by insurers: using drones for home inspection. He explained that a Rocklin client received notice that his home had been inspected by a drone and due to the findings, he would be dropped by his insurer.

“This is not just a California thing, but we’re seeing insurance issues in states like Florida and Texas and places where there’s been a lot of natural disasters,” Lundquist said.

Climate change, experts say, is playing a role in where some insurance companies choose to insure or renew. It’s why, Lundquist said, insurance issues aren’t limited to fire-prone areas but now in suburban neighborhoods, too.

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Melzer also said she understands that fire is a concern for insurance companies but that they should support homeowners in times of need.



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More SoCal rallies for and against military action in Iran expected on Sunday and Monday

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More SoCal rallies for and against military action in Iran expected on Sunday and Monday


LOS ANGELES (KABC) — Worshippers across Los Angeles were met with an increased law enforcement presence on Sunday as police and sheriff’s deputies stepped up patrols outside mosques, synagogues and cultural landmarks following the strikes on Iran.

Local officials said there are no credible threats to Southern California, but the Los Angeles Police Department and the Los Angeles County Sheriff’s Department heightened visibility as a precaution to ensure communities stay safe.

More demonstrations tied to the attack on Iran are expected Sunday and Monday. Several protests were held across Southern California on Saturday.

READ MORE | Rallies for and against military action in Iran draw demonstrators across Southern California

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While Iranian-Americans celebrated in Westwood, protesters gathered in downtown Los Angeles to oppose the Trump administration’s attacks against Iran.

While some groups gathered in downtown Los Angeles to protest the strikes, others assembled in Westwood to celebrate “the fall of the Ayotollah,” according to organizers.

Authorities said they will continue monitoring events as the region prepares for additional gatherings in the days ahead.

This is a developing story. This article will continue to be updated as more information becomes available.

Copyright © 2026 KABC Television, LLC. All rights reserved.

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San Jose Mayor Matt Mahan officially announce run for California governor

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San Jose Mayor Matt Mahan officially announce run for California governor




San Jose Mayor Matt Mahan officially announce run for California governor – CBS San Francisco

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San Jose Mayor Matt Mahan has officially entered the 2026 California gubernatorial race.

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Six planets to align in “planetary parade” above California. Here’s how to see it.

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Six planets to align in “planetary parade” above California. Here’s how to see it.


A rare celestial event will be taking place in the sky above California on Saturday night, as six planets are expected to be visible in what is being called a “planetary parade.”

Look towards the western horizon 30-60 minutes after sunset. Mercury, Venus, Jupiter, and Saturn will all be lined up along an arc, visible to the naked eye creating a literal parade of planets.

The alignment only occurs every few years, with the next one not until 2028.

Mars, Jupiter, and Saturn are frequently seen in the night sky, but the addition of Venus and Mercury make this planet lineup particularly noteworthy.

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In the San Francisco Bay Area, there will be some cloud coverage Saturday evening, but it should be in the high levels of the atmosphere so hopefully the horizon remains clear. In Los Angeles and San Diego, the forecast is expected to be clear.

Meanwhile, the planetary parade may not be visible in the northern part of the state, with cloudy conditions expected Saturday night in Sacramento, and possible showers and thunderstorms in Eureka and Redding.

People with telescopes and binoculars will also be able to see Uranus and Neptune as well.

For amateur astronomers, this also would be a fun time to test out your telescope skills by checking out Jupiter’s many moons or Saturn’s rings.

Please note that if your view is obscured by buildings, trees or hills, you won’t see the parade because it will appear very low on the horizon.

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The nontechnical term is Parade of Planets, but the technical term is planetary alignment. Basically, it’s just the name for what happens when the planets and sun line up in the sky, these happen during events called oppositions and conjunctions.

Opposition is the term for when a planet is directly opposite the Earth from the Sun. Meanwhile, conjunction is when they are aligned with each other and is when we get the best views of the planets. 



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