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Burned and uninsured: Wildfires are leaving California’s housing market in trouble | CNN Business

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Burned and uninsured: Wildfires are leaving California’s housing market in trouble | CNN Business



Los Angeles
CNN
 — 

After the 2018 Camp Fire – the deadliest wildfire in California’s history – engulfed Michael and Kristy Daneau’s Paradise home, the couple and their four daughters were forced to move 30 miles away to find a home they could afford.

They moved to Cohasset to buy a home with money they received through their insurance claim and their portion of an $11 billion Pacific Gas & Electric (PG&E) settlement with insurance companies for the blazes linked to its equipment failure.

Six years later, the family’s experiencing déjà vu: Their new home in the rocky region of northern California recently burned down to the studs in the 2024 Park Fire, the fourth largest fire in the state’s history.

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But this time the Daneaus don’t have the safety net of insurance to help them rebuild their lives.

When they moved to Cohasset, they were denied homeowners insurance from every company they contacted, citing wildfire concerns, and when they finally found an insurer that would offer them a plan, they couldn’t afford it.  They were priced out – uninsured in a state prone to natural disasters. And now they are left with, essentially, nothing.

The climate crisis, acutely felt in California, is driving a rapid increase in the intensity and frequency of wildfires and the number of homes lost in them. That’s made home insurance increasingly unaffordable or even inaccessible – and that’s leaving more people in the same position as the Daneaus.

“We’re literally back to square one, as if we’re starting over in life again. It’s numbing, to be honest,” Michael said. He and his family are relying on what little they have saved and are hoping to secure $30,000 through donations on their GoFundMe page to “find a place, even if it’s to rent,” he said.

 Last year alone, the Insurance Information Institute tracked $80 billion in insured losses caused by natural catastrophes across the US. The Daneaus’ home was one of approximately 19,000 structures that were destroyed in the 2018 Camp Fire. Consequently, insurers are rushing to leave states like California to stop incurring such costs.

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Since 2015, the California Department of Insurance has kept a record of the number of renewed and canceled policies in the state’s high fire-risk areas, which make up more than a quarter of the state. They recorded an increase in canceled policies until the most recent report published in 2022, with the sharpest increase being 10% in 2019.

When policies aren’t being canceled altogether, insurance rates sometimes rise by exorbitant amounts. California’s largest insurer, State Farm, requested a 30% rate increase for its homeowner’s line last month. This came a year after State Farm completely stopped selling insurance for new homes, citing wildfire risks. State Farm did not respond to a request for comment from CNN.

With the combination of rate increases, non-renewals and plan cancellations, many California homeowners have been pushed to the state’s temporary solution: the California FAIR Plan, a private association created by the state as a last-resort insurer for those being denied plans.

The California FAIR Plan was established in 1968 to provide an insurance option for those who are unable to procure insurance through the traditional market. However, what was established as a temporary solution has now become the only solution for many.

After every insurance company denied the Daneaus coverage for the home they moved to in Cohasset, the couple explored their insurance options through the California FAIR Plan. What was first an affordable solution became far too expensive by 2022, when they told CNN the plan would have cost them $12,000 with a $7,000 down payment and a $4,000 payment in the next month.

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“The first year, it seemed okay … the second year it went up to where it stung a bit. The last few years, it’s been so unattainable, we would practically have to have a mortgage payment to be able to afford the California FAIR Plan, plus the secondary insurance that you would need to go along with it,” Michael Daneau said.

Since 2019, the California FAIR Plan has seen a 164% increase in policies, with a 27% jump just this past year, an indication of how many residents across the state are unable to access private insurance.

Last year, California Insurance Commissioner Ricardo Lara reached an agreement with insurers with an aim to cover approximately 85% of properties in high-risk areas. However, the commissioner does not have the authority to force insurance companies to increase coverage.

As homeowners continue grappling for insurance options, the question of what’s next has become important for homeowners and insurers alike. Across the Golden State, both groups are exploring ways for California to become wildfire resilient.

The Insurance Institute for Business & Home Safety (IBHS), a non-profit research organization backed by insurers, has spearheaded both an advocacy and research effort in making infrastructure more resilient.

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One result has been the Wildfire Prepared program, which designates homes as wildfire resilient after an evaluation of both retrofitted and newly built homes.

The IBHS evaluation standards include components such as wildfire-resistant decks, upgraded windows and doors, and removal of back-to-back fencing, according to Steve Hawks, senior director for wildfire at IBHS.

After the 2018 Woolsey fire, which destroyed 1,643 structures in the Santa Monica mountains, the Los Angeles Emergency Preparedness Foundation (LAEPF), a local non-profit, was mobilized to educate homeowners about the need to harden their homes.

In a door-to-door effort, they reached Angela Wilson, a Malibu homeowner of 37 years, who has taken various steps in the past year while collaborating with LAEPF to make her home wildfire resilient.

Beyond structural changes such as shuttering her doors and adding metal mesh to vents, the avid gardener has made the tough decision to part with her flower beds and lush gardens.

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“[My insurance plan] wasn’t canceled but my insurance company increased the rates quite a bit,” she said. Wilson has not yet completed the program, but hopes it will help bring her insurance costs down eventually.

“Some insurers have started giving a list of changes homeowners need to make to keep their insurance or maybe even get a discount of rates,” said Brent Woodworth, chairman & CEO of LAEPF. But he cautioned there’s no guarantee of that, leaving homeowners like the Daneaus grappling with uncertainty.

“I’m personally so numb that I just can’t wrap my head around where we’re going to go, what we’re going to do. How do we go from here knowing that we’ve built a beautiful life for us and our kids, and now we have literally nothing,” Michael Daneau said.

CNN’s Camila Bernal and Sarah Moon contributed reporting.

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Two Jewish men beaten in San Jose after speaking Hebrew | The Jerusalem Post

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Two Jewish men beaten in San Jose after speaking Hebrew | The Jerusalem Post


Two Jewish men were beaten, and later briefly hospitalized, after they were heard speaking Hebrew in front of a restaurant in San Jose’s Santana Row in California, local media reported on Tuesday. 

Footage of the incident, shot by local witnesses, shows the pair of victims attacked by three other individuals outside the Augustine restaurant, NBC Bay Area reported.

“I just turned around, and they literally started punching,” one of the victims, who wished not to be identified, told the outlet. “We got swarmed very badly. I’m in a lot of pain. I still cannot chew. My jaw hurts, my back is hurting.”

According to NBC, the victims said they did not recognize their assailants, and police are investigating the incident as a possible hate crime.

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According to ABC7 News, both Jewish men were waiting to be seated at the restaurant when the incident occurred.

“One of the witnesses said that they heard them saying, ‘don’t mess with Iran’, which we don’t know why,” one of the victims told the outlet. “We don’t have any problem with them. But, I heard at the beginning of the fight, something with, ‘F the Jews’.”

ABC7 added that one of the victims had been knocked out and needed stitches after the assault.

In a statement, the Bay Area Jewish Community Relations Council identified the pair of victims as Israeli Americans.

Sam Liccardo, the Democratic representative of California’s 16th Congressional District and former San Jose mayor, condemned the assault in a subsequent statement on X/Twitter.

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“Violence targeting any members of our community—including our Jewish and Israeli community members—amounts to an attack on all of us,” he wrote.

Current San Jose Mayor also weighed in on X, stating that “Antisemitism and all acts of hatred have no place in San Jose. Being able to talk about our differences and celebrate them is what makes us the safest big city in America.”

“I have been in touch with our police department and leaders in the local Jewish community regarding this deeply disturbing incident and will continue to monitor the situation closely as the investigation continues,” he added.





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California’s Voter ID Initiative is Way More Chill Than Trump’s SAVE Act

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California’s Voter ID Initiative is Way More Chill Than Trump’s SAVE Act


Sources: California Voter ID Initiative text (proposed); H.R. 7296, Safeguard American Voter Eligibility Act, 119th Congress, 2d Session (introduced January 30, 2026); Congressional Research Service Bill Summary; California Secretary of State; National Conference of State Legislatures (NCSL).

Background: How California Currently Handles Voter Identification

Under current California law, U.S. citizenship is required to vote, but the state relies on voters to simply attest to their citizenship when registering. California does not generally require voters to show identification at the polls. The limited exceptions apply only to first-time federal election voters who registered by mail or online without providing a California ID or Social Security number, and even then, the state allows a broad range of documents, including utility bills, bank statements, paychecks, or official government mail.

In 2024, Governor Gavin Newsom signed legislation explicitly banning local jurisdictions from requiring voter ID, following Huntington Beach voters’ approval of a local measure to do so. California currently has among the most permissive voter identification rules in the nation.

The California Initiative: A Targeted, Inclusive Reform

A proposed California ballot initiative would amend the state constitution to add a new Section 3.1 to Article II. The initiative states three purposes: to “promote public confidence and trust in the electoral process,” to “deter and detect voter fraud by maintaining accurate voter registration records and confirming eligibility to vote,” and to “minimize the risk of voter impersonation by requiring proof of identity to vote.”

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The measure is notable for what it does and, just as importantly, for what it does not do.

For in-person voting, the initiative requires that “each time a voter casts a ballot in person in any election in the State, the voter shall present government-issued identification.” The initiative defines government-issued identification as “documentation that allows conclusive verification of the voter’s identity.”

For mail voting, the requirement is far more limited. The voter needs only to provide “the last four digits of a unique identifying number from government-issued identification that matches the one designated solely by the voter for their voter registration.” Importantly, the type of ID designated by each voter “must be indicated in their voter registration record, noted on the mail ballot envelope provided to them, and available to them on request by phone or electronically,” so voters are never caught off guard.

On the question of cost, the initiative is explicit: “Upon request by an eligible voter, the state shall provide, at no charge, a voter ID card for use in casting a ballot.” This is perhaps the most important provision in the measure. One of the most common and legitimate criticisms of voter ID laws is that they can function as a de facto poll tax. This initiative addresses that concern directly by guaranteeing that the means of compliance are freely available to every eligible voter.

On citizenship verification, the initiative directs the Secretary of State and county elections officials to “use best efforts to verify citizenship attestations using government data” and to “annually report what percentage of each county’s voter rolls have been citizenship-verified.” This is a transparency measure, not a documentation barrier.

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On accountability, the initiative requires that “during every odd-numbered year, the State Auditor shall audit the State’s and each county’s compliance with this section and report its findings and recommendations for improving the integrity of elections to the public.” Citizens may also “seek judicial review and remedy of the State’s or any county’s compliance with this section.”

What the initiative does not do is equally important. It does not require documentary proof of citizenship to register to vote. It does not require voters to submit citizenship documents with mail ballots beyond the last four digits of an ID number. It does not impose criminal penalties on election officials. It does not create unfunded mandates. It does not establish a private right of action against election workers.

In short, the California initiative is a narrowly drawn measure. It asks voters to confirm who they are while ensuring that the tools to do so are freely available to all.

The Federal SAVE Act (H.R. 7296): A Sweeping and Problematic Mandate

Introduced in the House on January 30, 2026, by Rep. Chip Roy and referred to the Committee on House Administration, the Safeguard American Voter Eligibility Act amends the National Voter Registration Act of 1993. Unlike the California initiative, which works within existing systems, the SAVE Act would fundamentally restructure how Americans register to vote and cast ballots in federal elections, with requirements that, in many cases, are practically impossible for millions of eligible citizens to meet.

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Here is what the bill actually requires, provision by provision, and why each raises serious concerns.

1. Documentary Proof of Citizenship Required to Register

The bill is unambiguous on this point. It states that “a State may not register an individual to vote in elections for Federal office held in the State unless, at the time the individual applies to register to vote, the individual provides documentary proof of United States citizenship.”

The bill defines acceptable proof narrowly. It includes a REAL ID-compliant document “that indicates the applicant is a citizen of the United States,” a valid U.S. passport, or a military ID combined with “a United States military record of service showing that the applicant’s place of birth was in the United States.” For voters who cannot provide those documents, the bill allows a government photo ID paired with a certified birth certificate, but that birth certificate must meet an exacting list of requirements: it must include “the full name, date of birth, and place of birth of the applicant,” must list “the full names of one or both of the parents of the applicant,” must carry “the signature of an individual who is authorized to sign birth certificates,” must include “the date that the certificate was filed with the office responsible for keeping vital records in the State,” and must bear “the seal of the State, unit of local government, or Tribal government that issued the birth certificate.”

This is an extraordinarily demanding standard. Birth certificates are lost, damaged, or were never properly recorded, particularly for older Americans, rural residents, and low-income citizens.

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The bill does include a fallback process for applicants who cannot produce these documents. They may “sign an attestation under penalty of perjury that the applicant is a citizen of the United States” and “submit such other evidence to the appropriate State or local official demonstrating that the applicant is a citizen.” The official then makes a personal judgment and must sign a sworn affidavit “swearing or affirming the applicant sufficiently established United States citizenship.” This places an unusual and significant legal burden on individual election workers who are simply trying to help voters register.

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2. A Photo ID Requirement That Specifies Citizenship on the Face of the Document

The bill requires that every voter in a federal election present an “eligible photo identification document.” The bill defines that document as one containing “a photograph of the individual identified on the document,” “an indication on the front of the document that the individual identified on the document is a United States citizen,” and either an ID number or “the last four digits of the social security number of the individual identified on the document.”

The citizenship indicator requirement is the critical problem. Currently, only a handful of states denote citizenship status directly on driver’s licenses. Even REAL ID-compliant cards display the same gold star insignia for citizens and lawfully present non-citizens alike. The bill does include a limited workaround: a voter may present a non-compliant ID “together with another identification document that indicates the individual is a United States citizen.” But requiring two documents at the polls is itself a significant additional burden, and it would disqualify the standard ID held by the vast majority of Americans unless paired with a second document.

The bill also specifies that for in-person voting, the eligible photo identification document “shall be a tangible (not digital) document,” closing off the possibility of using a digital ID on a smartphone, a technology that several states have begun adopting.

3. Double Documentation Required for Absentee Voting

For voters casting absentee ballots, the bill requires that a copy of the eligible photo identification document be submitted both “with the request for an absentee ballot” and again “with the submission of the absentee ballot.” This double documentation requirement, which most states do not currently impose at any stage, would add substantial friction to the process that millions of Americans, including elderly, disabled, and overseas military voters, rely upon as their primary means of voting.

4. Immediate Effective Date, No Funding, No Phase-In

The bill states plainly that its provisions “shall take effect on the date of the enactment of this section.” There is no phase-in period. There is no federal funding provided to help states implement new documentation systems, train election workers, update voter registration forms and databases, or communicate requirements to the public. The Election Assistance Commission is given just 10 days after enactment to “adopt and transmit to the chief State election official of each State guidance with respect to the implementation of the requirements.” States are given 30 days to “establish a program” for identifying non-citizens on voter rolls. These are the conditions under which states would be expected to overhaul their entire voter registration and election administration infrastructure.

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5. The Risk of Bifurcated Elections

States that cannot comply with the law’s requirements could be forced to maintain two separate voter rolls: one for voters who have provided documentary proof of citizenship and are eligible to vote in federal elections, and one for voters who have not. Arizona has operated under just such a bifurcated system since 2004, resulting in nearly two decades of continuous litigation. The SAVE Act would risk spreading that legal and administrative chaos to all 50 states simultaneously, with no funding and no preparation time.

6. Mandatory Federal Database Cross-Checks and Data Sharing

The bill requires states to establish programs to identify non-citizens on voter rolls using information from the Department of Homeland Security’s SAVE system, the Social Security Administration, and state driver’s license agencies. Federal agencies must respond to state requests within 24 hours and are directed to “share information with each other with respect to an individual who is the subject of a request.”

More Choice for San Diego

The bill goes further: it directs the Secretary of Homeland Security to “conduct an investigation to determine whether to initiate removal proceedings” against any non-citizen found to be registered to vote. This means voter registration data would become a direct input into federal immigration enforcement. The scope of personal voter information flowing between state election systems and federal agencies raises significant privacy concerns that the bill does not address.

7. Criminal Penalties for Election Officials

The bill amends the existing criminal penalties section of the National Voter Registration Act to make it a federal crime for an election official to register “an applicant to vote in an election for Federal office who fails to present documentary proof of United States citizenship.” The bill also criminalizes “providing material assistance to a noncitizen in attempting to register to vote or vote in an election for Federal office” for executive branch officers and employees.

Critically, the bill does not limit criminal liability to knowing or willful violations. An election official who makes an honest administrative mistake could face federal criminal prosecution. This provision could have a severe chilling effect on election administration, discouraging qualified people from serving as election officials and causing those who do serve to deny registration to borderline applicants out of fear of personal legal consequences.

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8. A Private Right of Action Against Election Officials

The bill expands private right of action provisions under the National Voter Registration Act to include “the act of an election official who registers an applicant to vote in an election for Federal office who fails to present documentary proof of United States citizenship.” This means private individuals may sue election officials directly for compliance failures, compounding the chilling effect of the criminal penalties and creating a hostile legal environment around the routine work of election administration.

Side-by-Side Comparison

Feature

California Initiative

Federal SAVE Act (HR7296)

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Photo ID for in-person voting

IVP Donate

Yes

Yes

Digital IDs accepted

Not specified

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No, tangible only

Mail ballot ID requirement

Last 4 digits only

Full photocopy required twice

Let Us Vote : Sign Now!

Proof of citizenship to register

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No

Yes, documentary proof required

Citizenship indicator required on ID

No

Yes, on the face of the document

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Free ID provided

Yes, guaranteed by the initiative

More Choice for San Diego

Not addressed

Federal or state funding provided

State legislative implementation is required

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No funding provided

Phase-in period

Legislature required to act promptly

No phase-in, effective immediately

Criminal penalties for officials

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IVP Donate

No

Yes, including for non-willful errors

Private right of action against officials

No

Yes

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Risk of bifurcated elections

No

Yes

Let Us Vote : Sign Now!

Federal database surveillance of voters

No

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Yes, extensive, including immigration referrals

Annual audits and public reporting

Yes, required by the initiative

No

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The Bottom Line

Both proposals share a stated goal: ensuring that only eligible U.S. citizens cast ballots in American elections. But they represent fundamentally different visions of how to pursue that goal, and the differences matter enormously for millions of American voters.

The California initiative works within existing systems. It asks voters to confirm who they are, provides free IDs to those who need them, and builds in transparency and accountability through annual audits and public reporting. Its requirements are clearly defined, its burdens are modest, and its protections for voters are explicit.

More Choice for San Diego

The SAVE Act, as written in H.R. 7296, would impose requirements that tens of millions of eligible American citizens cannot currently meet, without providing a dollar in funding, a meaningful period of preparation, or protection for the election officials expected to carry it out. It takes effect the day it is signed. It gives states 30 days to overhaul their voter rolls. It exposes election workers to both criminal prosecution and private lawsuits for honest mistakes. It routes voter registration data into federal immigration enforcement. And it threatens to force all 50 states into the kind of bifurcated election chaos that Arizona has lived with for two decades.

Reasonable people can disagree about whether voter ID requirements are necessary or wise as a matter of policy. But the contrast between these two proposals is instructive. One is a carefully drawn, incremental reform that takes eligible voters’ concerns seriously. The other is a sweeping federal mandate that, as written, would make voting harder for millions of lawful American citizens while creating new legal and administrative burdens that states are given neither the time nor the resources to meet.



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Man who was severely stabbed bled to death after someone stole his ambulance, family says

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Man who was severely stabbed bled to death after someone stole his ambulance, family says


Recent retiree Reinaldo Jesus Lefonts was charging his EV in a Downey library parking lot when he was attacked in a stabbing that severed both carotid arteries and both jugular veins. He was alive when an ambulance arrived at the parking lot — but that emergency vehicle was then stolen.

The driver of the ambulance, according to police, led officers on a pursuit that ended in a crash miles away.

“In that moment, every second mattered,” Lefonts’ family says in a legal claim against the city. “The City’s paramedics and rescue vehicle were Reinaldo’s only realistic chance of survival.

Lefonts died at the scene of the stabbing, authorities say.

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Now his family is seeking $40 million from the city. Their attorneys cite failures in public safety and the emergency response. They say a “surveillance” sign at the lot led Lefonts to believe he was safe, and that the ambulance was missing a required locking device.

The 68-year-old had only recently retired from his job as a lab technician at UCI Medical Center when he was attacked on the morning of Sept. 13, 2025, in the Downey Civic Center parking lot adjacent to the public library at 11121 Brookshire Ave., according to the claim, filed Friday with the Downey city clerk. Suspect Giovanni Navarro, 23, had been arrested for trespassing at the same location less than 24 hours earlier.

Navarro had 28 prior criminal convictions, including brandishing a weapon, attempted burglary and criminal threats, attorneys said.

The Los Angeles County medical examiner determined that Lefonts suffered at least four sharp force injuries to his head, neck and right forearm. The fatal wound was a stab to the neck, and the manner of death was ruled a homicide, according to the autopsy report.

The Downey Fire Department rescue vehicle that responded was not equipped with a Tremco anti-theft locking device required under state law and applicable Fire Department standards, the family’s attorneys argue. While paramedics treated Lefonts, 52-year-old Nicholas DeMarco allegedly got into the ambulance and drove away. The police pursuit followed.

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In the parking lot, Lefonts was pronounced dead at 9:55 a.m., the autopsy report states.

The city logged about 675 calls for service to the Civic Center and library between January 2022 and December 2025, covering assaults, robberies, sex crimes, arson and narcotics violations, according to the claim.

“While both the violent attack and theft were criminal acts, it was entirely foreseeable in light of the known conditions around the Civic Center and the repeated criminal and transient activity in the area,” the claim states. “The City’s failure to equip its own rescue vehicle and secure it properly directly interfered with the provision of emergency care to Reinaldo. As a result, Reinaldo did not receive the timely medical treatment he desperately needed.”

Just weeks before Lefonts was killed, the Downey City Council received a report at its Aug. 26, 2025, meeting on homelessness-related public safety concerns, attorneys said.

The family’s attorneys also argue that the lot’s posted signage, reading “Area Under 24 Hour Surveillance,” led Lefonts to reasonably believe he was in a protected space when he paid the city to use its EV charger, the claim states.

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“The City of Downey knew this parking lot was dangerous,” lead attorney Alexis Galindo said in a statement. “They knew the man who killed Reinaldo had just been arrested there the day before. They knew their rescue vehicle wasn’t properly equipped. And still, they did nothing. Reinaldo died within reach of help that should have been there. His family deserves answers, accountability and justice.”

The claim seeks $35 million in general damages and $5 million in special economic damages. Under California law, the city has up to one year to respond by accepting, rejecting or settling. A rejection would allow the family to file the case in court as a formal lawsuit.



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