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Fire survivors to get up to $350,000 for personal property without itemized list under new state law

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Fire survivors to get up to 0,000 for personal property without itemized list under new state law

After the January fires that destroyed thousands of residences, victims who lost their clothing, furniture and other possessions faced a daunting task: creating a list of itemized losses to submit to their insurers — typically without records to rely on.

While existing law paid policyholders who suffered total losses as much as $250,000 up front using a formula based on 30% of their dwelling coverage, getting additional money could be overwhelming for victims already dealing with one of the most catastrophic events anyone can suffer.

Now, under a bill signed by Gov. Gavin Newsom, fire victims whose residences burned down can get 60% of their personal property coverage up to $350,000 without first submitting what is euphemistically called “The List. “ The law also extends the time for filing itemized claims to at least 100 days, up from just two months.

“While it’s been nine months since these firestorms struck Los Angeles, the destruction and devastation left behind is still fresh for thousands of survivors and remains a constant reminder that we have more to do to support our fellow Californians,” Newsom said in a statement, which accompanied his signature on a bipartisan package of fire-related legislation that included the itemization bill.

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The legislation, Senate Bill 495, was backed by Insurance Commissioner Ricardo Lara and authored by Sen. Ben Allen (D-Pacific Palisades), whose district includes the Palisades fire zone. It originally called for policyholders suffering total losses to get 100% of their personal property coverage limits up front, but it was opposed by the insurance industry and amended.

The new legislation, like the prior law, only applies in situations where a state of emergency has been declared, which typically occurs after a catastrophic fire. It goes into effect in January.

“The recent L.A. fires exposed difficult inefficiencies in our insurance system that unnecessarily delay the urgently needed financial support survivors are justly due,” Allen said in a statement.

Newsom also signed Senate Bill 429 funding the nation’s first public wildfire catastrophe model, which will be a benchmark for proprietary computer models insurance companies are now using to simulate the damage and potential losses from wildfires and other big disasters.

Under Proposition 103, which regulates the state’s home insurance market, insurers have had to set their premium rates based on historic fire losses. However, there is a growing consensus that climate change has heightened wildfire risks, as evidenced by a growing number of catastrophic blazes California has suffered over the last decade.

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Last year, Lara enacted regulations that allow for the private computer models to be used in rate setting, but required that steps be taken to develop a public model since the programs insurers use employ propriety algorithms and data that limit knowledge of how they work.

In May, a task force led by Cal Poly Humboldt recommended that the state fund a research and educational center that would start work on the model and develop a multi-year plan to implement it. SB 429, authored by Sen. Dave Cortese (D-San Jose), creates an insurance department fund to carry it out.

Wary of the proprietary nature of insurer models, which are being used nationwide to simulate various disasters, consumer groups had called for a California public model. Only Florida has developed one, and that is for hurricanes.

“By grounding these models in publicly available data and subjecting them to public scrutiny, policymakers can better protect consumers and promote equitable outcomes in the insurance industry,” said Mekedas Belayneh, a climate policy advocate with Public Citizen, a Washington-based advocacy group.

“Climate change is already reshaping where and how people live. The question is whether the tools used to manage that risk will serve the public interest or the narrow interests of insurance companies. California’s experiment with a public catastrophe model may be the first real test,” she added.

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Video: The Battle for Warner Bros. Discovery

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Video: The Battle for Warner Bros. Discovery

new video loaded: The Battle for Warner Bros. Discovery

Nicole Sperling, a Times reporter who covers Hollywood and the streaming revolution, breaks down the competing bids from Netflix and Paramount to buy Warner Bros. Discovery.

By Nicole Sperling, Edward Vega, Laura Salaberry, Jon Hazell and Chris Orr

December 9, 2025

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HBO Max subscriber sues Netflix to halt merger

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HBO Max subscriber sues Netflix to halt merger

Let the legal battle begin.

On Monday, a Las Vegas-based HBO Max subscriber sued Netflix over concerns that the streamer’s plans to buy some of Warner Bros. Discovery’s assets would create an anti-competitive environment in the entertainment industry and raise subscription prices.

Netflix said last week it agreed to buy Warner Bros. Discovery’s film and TV business, its Burbank lot, HBO and the HBO Max streaming service for $27.75 a share or $72 billion. It also agreed to take on more than $10 billion of Warner Bros.’ debt, creating a deal value of $82.7 billion.

Michelle Fendelander alleges in her lawsuit that if Netflix’s deal were to go through, it would decrease competition in the subscription streaming market. She is asking the court to issue an injunction to prevent the merger from happening or issue a remedy for the anti-competitive effects.

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“American consumers — including SVOD purchasers like Plaintiff, an HBO Max subscriber — will bear the brunt of this decreased competition, paying increased prices and receiving degraded and diminished services for their money,” according to Fendelander’s lawsuit, which is seeking class-action status. The lawsuit was filed in a U.S. District Court in San Jose.

Netflix on Tuesday called the lawsuit “meritless” and “merely an attempt by the plaintiffs bar to leverage all the attention on the deal.”

The Los Gatos, Calif.,-based streamer is long seen as the winner of the subscription streaming wars, boosted by having successfully entered the streaming content space earlier than rivals and for its superior recommendation technology. By buying Warner Bros. Discovery’s assets, Netflix would gain access to more franchises and characters, including Batman, “Game of Thrones” and Harry Potter. Netflix said it plans to keep Warner Bros.’ commitments to bringing its movies to theaters.

But Fendelander and some industry observers are concerned that Netflix owning one of its streaming rivals will hurt the entertainment industry because it means less competition.

“The elimination of this rivalry is likely to reduce overall content output, diminish the diversity and quality of available content, and narrow the spectrum of creative voices appearing on major streaming platforms,” according to the lawsuit by Fendelander, who has never been a Netflix subscriber.

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Streamers over the years have steadily raised their prices, and some analysts said they would not be surprised if subscription prices continued to go up.

Netflix executives said they believe their deal to acquire WBD’s assets will benefit key stakeholders.

“It’s going to mean more options for consumers,” said Netflix Co-CEO Greg Peters on a call with investors last Friday. “It’s going to be more opportunities for creators, more value for our shareholders. Together, we’ve got the chance to bring great stories, cutting edge innovation and more choice to audiences everywhere.”

Peters also pointed out at a UBS conference on Monday that Netflix combined with the assets it is acquiring from Warner Bros. Discovery would still amount to a smaller share of U.S. TV viewing than YouTube.

Whether the deal will get over the finish line remains to be seen, although Netflix executives say they believe it will. On Monday, Paramount said it would directly appeal to shareholders to offer an alternative bid.

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Federal judge strikes down Trump’s order blocking development of wind energy

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Federal judge strikes down Trump’s order blocking development of wind energy

A federal judge on Monday struck down the Trump administration’s ban on federal permits for wind energy projects in what supporters said was an important victory for the embattled industry.

President Trump issued the ban on his first day back in office through an executive order that called for the temporary withdrawal of nearly all federal land and waters from new or renewed wind-energy leasing. The president said such leases “may lead to grave harm” including negative effects on national security, transportation and commercial interests, among other justifications.

U.S. District Judge Patti B. Saris, for the District of Massachusetts, ruled that the ban is “arbitrary and capricious and contrary to law,” and said the concern about “grave harm” was insufficient to justify the immense scope of a moratorium on all wind energy.

The challenge was brought by attorneys general in 17 states, including California, and Washington.

In it, they argued that halting federal wind permits created an “existential threat” to the wind industry that could erase billions of dollars in investments and tens of thousands of jobs.

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“A court has agreed with California and our sister states nationwide: The Trump Administration’s attempt to thwart states’ efforts to make energy more clean, reliable, and affordable for our residents is unlawful and cannot stand,” California Atty. Gen. Rob Bonta said in a statement. “The Trump Administration seems intent on raising costs on American families at every juncture — and California is equally committed to challenging every one of its illegal attempts to make life more expensive for Californians.”

At least seven major offshore wind projects were paused as a result of the federal permitting ban, according to the nonprofit Natural Resources Defense Council, plus several more that were in early phases of development.

“This ban on wind projects was illegal, as this court has now declared. The administration should use this as a wake-up call, stop its illegal actions and get out of the way of the expansion of renewable energy,” said Kit Kennedy, the council’s managing director for power, in a statement.

The lawsuit noted the president’s executive order was issued the same day as his National Energy Emergency Declaration, which encouraged domestic energy development not tied to wind and other renewables. The president has heavily supported fossil fuel production including oil, gas and coal.

In a statement to The Times, White House spokeswoman Taylor Rogers said offshore wind projects were given “unfair, preferential treatment” under the Biden administration while the rest of the energy industry was “hindered by burdensome regulations.”

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“President Trump’s day one executive order instructed agencies to review leases and permitting practices for wind projects with consideration for our country’s growing demands for reliable energy, effects on energy costs for American families, the importance of marine life and fishing industry, and the impacts on ocean currents and wind patterns,” Rogers said. “President Trump has ended Joe Biden’s war on American energy and unleashed America’s energy dominance to protect our economic and national security.”

California has vowed to stay the course on offshore wind despite the federal challenges.

The state has an ambitious goal of 25 gigawatts of floating offshore wind energy by 2045, by which point California officials say offshore wind could represent 10% to 15% of the Golden State’s energy portfolio. Five ocean leases have already been granted to energy companies off Humboldt County and Morro Bay.

In August, the Trump administration said it was cutting $679 million for “doomed” offshore wind projects, including $427 million that had been earmarked for California.

Ted Kelly, director and lead counsel of U.S. clean energy at the nonprofit Environmental Defense Fund, said obstructing the build-out of clean power is the wrong move as the country’s need for electricity is surging from data centers, industry and other demands.

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Wind, solar and battery storage offer the most affordable ways to get more reliable power on the grid, Kelly said.

“We should not be kneecapping America’s largest source of renewable power,” he said, “especially when we need more cheap, homegrown electricity.”

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