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What Southern California wildfire victims can expect from their insurance adjuster

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What Southern California wildfire victims can expect from their insurance adjuster


LOS ANGELES — Even with flames still burning in parts of Los Angeles County, total insured losses from the wildfires this month are already estimated at more than $30 billion, according to Goldman Sachs.

Note: The video above is from related coverage.

The massive amount of damage dwarfs the previous record of $12 billion in insured losses caused by Northern California’s Camp Fire in 2018.

With over 15,000 structures already destroyed in the Palisades, Eaton and spate of smaller fires, according to state officials, some public insurance claim adjusters are warning that it may take years for claims to be resolved, and in some instances, homeowners may not have the coverage they thought they had.

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A recent study from the University of Colorado Boulder of a 2021 wildfire in the state found that three-quarters of those who lost their homes were not fully covered for total losses.

MORE: Experts – How to get the most out of your insurance coverage after fire

Trying to figure out what to do next after surviving a disaster, contacting your insurance company should be one of the first things you do. But then what? United Policyholders is a non-profit whose mission is to assist you in getting the most out of your coverage.

As thousands of homeowners in Southern California file insurance claims to start the recovery process, they are meeting the one person who will determine how much the insurance company should pay for their loss — the insurance adjuster.

Each claimant is assigned an adjuster by the insurance company. It is the adjuster’s job to assess the damage, and in the case of the LA wildfires, prioritize the destroyed and severely damaged homes over those with minor damage.

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California law requires that insurers immediately pay policyholders one-third of the estimated value of their belongings and a minimum of four months’ rent in the event they are completely displaced.

Gov. Gavin Newsom recently issued a one-year moratorium preventing insurance companies from canceling or issuing non-renewals for homeowners in the neighborhoods or adjoining ZIP codes affected by the Palisades and Eaton fires.

After the adjuster assesses the damage, they will determine how much the insurance company pays out for the claim.

Those who file may be given a settlement offer on the spot, but Amy Bach, executive director of the non-profit consumer advocacy group United Policyholders, tells ABC News that homeowners should resist the temptation to sign on the dotted line right away.

She recommends asking insurers for a copy of the policy and studying it for details about what level of coverage can apply.

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“Give your insurance company a chance to do the right thing, but don’t be a pushover,” Bach said. “Understand reality — your insurer is a for-profit business, and you need to be pro-active to recover what you’re owed in full. Get informed on your rights and your insurer’s obligations and be politely assertive.”

MORE: These 2 types of insurance coverage will help rebuild after disaster

Most fire victims say they want to rebuild. They might have insurance, but is it going to be enough? Here are two types of coverage that experts say are key to help the rebuilding process.

Experts say if an insurer tells a homeowner that something is not covered, they should get a second opinion, including getting independent valuations of the replacement cost of the home and possessions.

“Chances are the insurer’s adjuster will use a software program to calculate what they owe you,” Bach said. “Computers don’t repair and rebuild homes — contractors and subcontractors do. So, it’s what they will charge that matters.”

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If the homeowner disagrees with the insurance company’s assessment, they can appeal the decision and hire a public adjuster for a fee, according to Bach.

The public adjuster’s second opinion may help when negotiating with the insurance company, Bach added.

Public adjusters can be found through the California Department of Insurance website, and if homeowners are not being treated fairly — they can file a complaint for free with the same department.

Bach suggests keeping detailed notes of all conversations with the insurance company and adjuster including the dates and times of speaking, the names of those representatives, and a summary of what was said.

She also recommends sending a follow-up email after every conversation to document the progress.

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Even if affected homeowners are insured, experts also recommend applying for disaster assistance from the Federal Emergency Management Agency.

Copyright © 2025 ABC News Internet Ventures.



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California

Former California doctor sentenced in Matthew Perry’s overdose death

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Former California doctor sentenced in Matthew Perry’s overdose death


LOS ANGELES — A former California doctor was sentenced to 8 months of home detention and 3 years of supervised release Tuesday after pleading guilty to ketamine distribution in connection with the fatal overdose of “Friends” star Matthew Perry.

Mark Chavez pleaded guilty in 2024 to one count of conspiring to distribute ketamine to Perry, who died at 54. Chavez appeared Tuesday before U.S. District Judge Sherilyn Peace Garnett in Los Angeles. He faced up to 10 years in prison.

He will also be required to complete 300 hours of community service and pay a $100 special assessment to the U.S. government.

“My heart goes out to the Perry family,” Chavez said outside of court after his sentencing.

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Zach Brooks, a member of Chavez’s legal team, said Tuesday: “what occurred in this case was a profound departure from the life he had lived up to that point. The consequences have been severe and permanent. Mr. Chavez has lost his career, his livelihood, and professional identity that he has worked for decades to develop.”

“Looking forward, Mr. Chavez understands that accountability does not end with this sentence. He’s committed to using the rest of his life to contribute positively, to support others and to ensure that nothing like this ever happens again,” Brooks said. “While he cannot undo what occurred, he can choose how he lives his life from this moment.”

Chavez was one of five people charged in connection with Perry’s death. The TV star died of an accidental overdose and was found dead in a hot tub at his Los Angeles home in October 2023.

Chavez’s lawyer, Matthew Binninger, has previously said his client was “incredibly remorseful” and “accepting responsibility” for his patient’s overdose.

Chavez was a licensed physician in San Diego who formerly operated a ketamine clinic. Prosecutors said he sold ketamine to another doctor, Salvador Plasencia, who then distributed it to Perry.

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“I wonder how much this moron will pay,” Plasencia said in a text exchange to Chavez, according to the investigators. “Lets find out.”

Earlier this month, Plasencia was sentenced to two and a half years in federal prison for his involvement in the case.

Chavez wrote “a fraudulent prescription in a patient’s name without her knowledge or consent, and lied to wholesale ketamine distributors to buy additional vials of liquid ketamine that Chavez intended to sell to Plasencia for distribution to Perry,” the indictment in the case said.

In the month before his death, the doctors provided Perry with about 20 vials of ketamine and received some $55,000 in cash, according to federal prosecutors.

Perry was undergoing ketamine infusion therapy to treat depression and anxiety, according to a coroner’s report. However, the levels of ketamine in his body at the time of his death were dangerously high, roughly the same amount used for general anesthesia during surgery. The coroner ruled his death an accident.

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Before his death, Perry was open about his lengthy struggles with opioid addiction and alcohol use disorder, which he chronicled in his 2022 memoir, “Friends, Lovers and the Big Terrible Thing.”

Katie Wall reported from Los Angeles and Daniella Silva reported from New York.

This is a developing story. Please check back for updates.



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California’s first mobile 911 dispatch classroom launches in Fresno

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California’s first mobile 911 dispatch classroom launches in Fresno


A mobile classroom is giving Central Valley students a hands-on look at what it takes to answer 911 calls.

The classroom on wheels is one of only two in the nation, the first in California, and is part of the Fresno Regional Occupational Program’s dispatch pathway.

“Dispatchers are the steady heartbeat of the emergency response,” Fresno County Superintendent of Schools Dr. Michele Cantwell-Copher said during Monday’s ribbon-cutting ceremony.

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California’s first mobile 911 dispatch classroom launches in Fresno (Photo: FOX26 Photojournalist Byron Solorio)

Inside the trailer, students train at real dispatch consoles designed to mimic a live dispatch center.

The program is a partnership with Fresno City College, creating a pipeline from the classroom to dispatch careers.

The curriculum is backed by California POST, or the Commission on Peace Officer Standards and Training, which sets minimum training and certification standards for law enforcement in the state.

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It gives students the opportunity to practice call taking and scenario based decision making in a realistic and interactive setting,

said Michelle D., with POST.

The system uses realistic audio and artificial intelligence to recreate high-pressure simulations.

“If it’s a child that is injured, we can have the child crying in the background, so it really gives them that true, realistic first-hand experience,” said Veronica Cervantes, a Supervising Communications Dispatcher with the Fresno County Sheriff’s Office.

Dispatch supervisors say programs like this one could help address a growing staffing shortage.

More people need to be in this profession. We are hurting for dispatchers

explains Matt Mendes, a Dispatch Supervisor with the Fresno County Sheriff’s Office.

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Officials say the job offers competitive benefits, including a starting salary of about $53,000, overtime opportunities, and the potential to earn six figures over time.



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Feds say they foiled New Year’s Eve terror plot in L.A., Southern California

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Feds say they foiled New Year’s Eve terror plot in L.A., Southern California


A plan to attack several Los Angeles-area businesses on New Year’s Eve was detailed, dangerous and already in motion, authorities said.

But as four people allegedly tied to an anti-government group gathered last week in the Mojave Desert to make and test several test bombs, FBI officials foiled the terror plot.

They had everything they needed to make an operational bomb at that location,” First Assistant U.S. Atty. Bill Essayli said at a news conference Monday morning. “We disrupted this terror plot before buildings were demolished or innocent people were killed.”

The four people were arrested on suspicion of plotting an attack that Essayli called “organized, sophisticated and extremely violent.” They were all tied to a radical faction of the Turtle Island Liberation Front called Order of the Black Lotus, which FBI Assistant Director in Charge Akil Davis called “a violent homegrown anti-government group.”

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Officials wouldn’t say what buildings or businesses were planned to be targeted but Essayli said they were different “logistics centers” similar to ones that Amazon might have.

Officials said they believe that everyone involved in the planned attack has been arrested, though the investigation into the plot remains ongoing.

The four alleged conspirators, Audrey Carroll, Zachary Page, Dante Gaffield and Tina Lai, have been charged with conspiracy and possession of an unregistered destructive device, Essayli said.

“The subjects arrested envisioned planting backpacks with improvised explosive devices to be detonated at multiple locations in Southern California, targeting U.S. companies,” Davis said.

The plans the FBI uncovered also included follow-up attacks after the bombings, which included plans to target ICE agents and vehicles with pipe bombs, Essayli said.

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