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California spent $3.7 billion reducing wildfire fuel. Bill would make insurers factor that into coverage

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California spent .7 billion reducing wildfire fuel. Bill would make insurers factor that into coverage


Insurers in California have sounded the alarm: A warming climate has dramatically raised the risk of devastating wildfires, and with it the cost of providing coverage. But now a Peninsula lawmaker says those insurance companies should credit the state and homeowners for the work done to reduce our vulnerability to wildfires.

State Sen. Josh Becker, a Menlo Park Democrat, has introduced a bill that would require insurers to consider the state’s efforts to thin flammable brush and trees as well as property owners’ steps to make their homes more fire resistant, such as covering vents and clearing vegetation. Those efforts would need to be incorporated into their risk modeling to determine coverage decisions and costs.

“What we’re seeing is that in addition to the impact of home hardening, that forest treatment is going to have a big impact on wildfire risk, and that’s not being taken into account,” Becker said. “You have to take these into consideration.”

Becker’s bill, SB 1060, comes as state officials scramble to prop up a home insurance market on the brink of collapse, with major insurers restricting coverage and refusing to renew policies in many parts of the state. The bill is scheduled for its first hearing before the Insurance Committee on April 24.

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The American Property Casualty Insurance Association, which represents insurers, said that while it supports wildfire mitigation efforts such as home and community hardening, the bill “has several complicating factors to consider.”

“The California Department of Insurance already requires insurers that use risk models to take into consideration specific mitigations and provide consumers discounts,” the industry association said. “The department is also in the process of developing regulations to authorize new types of catastrophe models that factor in the risk of wildfires and mitigation efforts taken by individuals and communities. We believe the department should be allowed time to adopt these regulations.”

Becker said the proposed law wouldn’t mandate any particular discount or result, only for insurers to account for wildfire risk reduction efforts.

“The bill just requires them to do the work to collect the data,” Becker said. “If the models show these activities aren’t helpful, then we shouldn’t be spending billions of dollars on this, we should be spending it on other things.”

California suffered 14 of its 20 most destructive wildfires on record in the last 10 years, a period that included a record drought. Insured losses from those blazes totaled more than $45 billion, according to the Insurance Information Institute.

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Insurers say that as wildfire risks have risen with global temperatures, California’s regulations on what they can charge consumers haven’t allowed policy premiums to keep up, forcing them to reduce their exposure by discontinuing coverage in riskier areas.

The state’s elected insurance commissioner, Ricardo Lara, has promised to overhaul regulations by the end of the year to address the industry’s top complaints. That would speed approval of rate increases, let insurers base them on catastrophe models, and pass on their costs for reinsurance, which helps them absorb catastrophic losses. Lara in exchange wants insurers to commit to covering more homes in areas at greater risk of wildfire.

Consumer advocates have argued the changes would just end up costing homeowners more without guaranteeing more coverage, pointing to other disaster stricken states like Florida.

Some California homeowners have been stung with massive increases in premiums — if not stripped of coverage altogether and forced onto the state’s last-resort FAIR Plan. That plan is a private high-risk pool that provides minimal coverage at multiple times the cost of regular policies. Many homeowners in the Santa Cruz Mountains, the North Bay and East Bay foothills have had to switch to that plan after their traditional coverage was dropped.

“This is top of mind for so many of my constituents,” Becker said. “This is affecting thousands and thousands of households.”

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Becker said that it’s gotten so bad that the California Department of Forestry and Fire Protection can’t even get insurance for at least two and as many as 11 of its fire stations.

Becker said higher temperatures weren’t the only factor that fueled the state’s destructive wildfires. Vegetation management policies over the years allowed fuels to pile up in and around forests that before modern fire suppression would have burned more regularly. Those accumulated fuels, left bone-dry by the drought, drove explosive wildfires.

But California since 2017 has spent $3.7 billion on wildland fuel reduction, thinning and vegetation management, Becker said.

He points to a 2021 analysis by the Nature Conservancy and Willis Towers Watson, the world’s third-largest insurance broker, which found that applying ecological forestry practices — prescribed burns and thinning to remove smaller trees and other vegetation in overgrown forests — could lower insurance premiums 41% on average for homes. That research was based on an ecological forest restoration project in the watershed of the Placer County Water Agency in the Tahoe National Forest.

State officials in recent years also have been promoting techniques in which homeowners can reduce their property’s wildfire vulnerability by removing vegetation, wood and other combustibles near the home and cover vents with screens to keep hot embers out. Lara has told insurers they must credit homeowners on their policies for those measures, though many say they have yet to receive such benefits.

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But Becker said that as these home-hardening measures get adopted across communities, it reduces overall fire risk, and that also should be reflected in the modeling insurers use in their underwriting decisions.

“We need to see a number of homes in a community (do the work) to have an impact on that model,” Becker acknowledged. “But it helps. Whether it’s cities or individuals, the people doing the work should get the reward.”



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California man who killed estranged wife’s lover while they slept sentenced

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California man who killed estranged wife’s lover while they slept sentenced


A now 33-year-old Northern California man, who was on the run in Mexico for five nearly five years, has been sentenced for the murder of his estranged wife’s boyfriend while the couple was sleeping in her apartment in 2017.

Arturo Hernandez was 25 when he learned that a man named Anthony Freas was in a relationship with his estranged wife. His calls to her after hearing about the situation went unanswered, according to investigators.

On Nov. 19, livid over the relationship, Hernandez went to the Regency Apartments in the 5900 block of Riza Avenue, where his wife lived. He broke into the apartment where the couple was sleeping, entered her bedroom and stabbed Freas multiple times before fleeing the scene, according to a news release from the Sacramento County District Attorney’s Office.

Anthony Freas was killed while sleeping by his girlfriend’s estranged husband on Nov. 19, 2017. (Justice4Anthony/Facebook)

Officers with the Sacramento Police Department responded to the apartment and found Freas suffering from at least one stab wound to the upper body. They began life-saving measures until paramedics arrived and rushed him to a hospital, where he later died.

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Authorities launched a manhunt for Hernandez, who was considered armed and dangerous, The Sacramento Bee reported.

  • California man who killed estranged wife's lover while they slept sentenced
  • California man who killed estranged wife's lover while they slept sentenced

It was later learned that he fled to Mexico, though it is unclear where he had been hiding or with whom.

Hernandez evaded law enforcement until July 2023, when he was arrested by Mexican authorities and FBI agents. He was later extradited back to Sacramento to stand trial.

On March 24, a jury found Hernandez guilty of second-degree murder and found true the allegation that he personally used a weapon during the attack.

More than three months later, on July 10, Judge Alyson Lewis sentenced him to 16 years to life in state prison.

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Northern California hospital runs out of antivenom saving man bitten by rattlesnake

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Northern California hospital runs out of antivenom saving man bitten by rattlesnake


An Idaho father is recovering at home after a near-fatal encounter with a rattlesnake during a vacation in Northern California that required a hospital’s entire supply of antivenom to keep him alive.





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The fierce competition to get married at California’s most popular public buildings

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The fierce competition to get married at California’s most popular public buildings


The late-morning sun peeked through a gauzy veil of fog, bright laughter echoing over the giddy whisper of tulle as the brides posed for pictures outside the Santa Barbara County Courthouse.

Moments earlier, Zoë Weber and Jordan Cantor of Hollywood had traded vows above the compound’s famous Sunken Garden. The brief, heartfelt legal ceremony was made sweeter because the date, June 26, was the anniversary of the Supreme Court decision that legalized gay marriage across the U.S. in 2015.

Minutes before that, their officiant, Santa Barbara County Supervisor Roy Lee, had married off Brittney Hua, 27, and Steven Ly, 26. The Arroyo High School sweethearts made their relationship official that same day 11 years ago, an anniversary that matches their San Gabriel Valley area code, 626.

Lee was soon rushing across the lawn to join Carmen Cardenas Ayon and Santiago Martinez, both 28, who’d come up from Compton for the last-minute wedding of their dreams.

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The groom, a bus mechanic, was starting his shift around 4:30 am Wednesday morning when he happened to check the courthouse website for cancellations and saw Friday’s open call event.

“He was like ‘We can get married on Friday in Santa Barbara!’” the bride recalled. “And I was like ‘OK, let’s do it!’”

Minshi DeHuff, 35, and Andrew DeHuff, 39, of San Francisco marry at City Hall on June 26.

(Sarahbeth Maney / For The Times)

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Less than a decade ago, courthouse weddings were still the purview of camera-shy celebrities, mid-life second marriages and mother-to-be brides. But since the pandemic, their popularity has boomed — transforming certain courthouses and municipal buildings into sought-after locales to tie the knot.

Snagging an appointment to elope has become almost as difficult as scoring Olympics tickets.

In Santa Barbara, marriage appointments open 90 days in advance, with new slots released every hour while the courthouse is open. On a recent weekday, slots in October vanished in less than five minutes.

“They pretty much get picked up as soon as we release them,” said County Clerk Melinda Greene. “We have people from all over the world.”

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Here comes the bride — and another, and another and another… 

So-called “micro weddings” have emerged as an industry unto themselves amid the soaring costs of a traditional ceremony. A recent Bank of America analysis pegged the average cost of an American wedding at $36,000 — significantly more expensive than a year of rent at the median price in Los Angeles, or two years of in-state tuition at UC Berkeley.

“A lot of my elopement brides are low-key and private,” said Asha Marshall of So Fetch Photography, who specializes in courthouse ceremonies. “They don’t want to be spending all that money.”

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The shift toward boutique legal ceremonies has transformed the marriage business and the municipal buildings where such nuptials take place, turning elopement from a breezy wedding alternative into a formal contact sport.

“It books up so fast, you have to be online at the exact time [of day] you plan on having your appointment,” explained the photographer, whose viral 2024 snaps helped supercharge the Santa Barbara courthouse’s popularity on social media. “A lot of my brides get stressed out.”

A bride poses for wedding pictures on steps with a long veil and dress.

Shuting Zang, 28, is photographed on her wedding day at San Francisco City Hall.

(Sarahbeth Maney / For The Times)

Santa Barbara’s Moorish Revival hall of justice has long been Southern California’s most coveted civil marriage spot. Vice President Kamala Harris and Doug Emhoff took their vows in its storied Mural Room in 2014. Reality TV star Kourtney Kardashian and Blink-182 drummer Travis Barker were wed on the steps outside in 2022.

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But officials say demand has exploded in recent years, thanks in part to Pinterest and TikTok.

“We see dozens a day, starting at 8 o’clock in the morning,” said Lee, the county supervisor and officiant for the day, whose office is across the street. “I see them line up right there outside the doors.”

Ly, the newlywed from El Monte, said that in order to secure their spot at the Santa Barbara courthouse, he and his bride were prepared for an experience akin to buying stadium tour tickets.

“Both of us were on two separate computers, each of us trying to copy and paste the details so we could get in early,” he said.

“I let him do the first one,” his wife, Hua, said. “He didn’t get it, so I did the second one and I got it.”

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Others, including Amy Rodriguez, were left scrounging for cancellations.

“I decided one night, let me double check if there’s an opening,” the bride said as she waited for her groom-to-be near the front entrance to the courthouse, where wedding parties must pass through a metal detector. “I logged in — it was literally midnight, maybe one o’clock — and got the slot.”

The race to the clerk’s window is not limited to Santa Barbara. Other popular courthouses such as the L.A. County Courthouse in Beverly Hills and the Old County Courthouse in Santa Ana have seen a similar spikes in demand.

But no municipal building in the state compares to San Francisco City Hall, where Marilyn Monroe and Joe DiMaggio tied the knot in 1954.

A couple kisses at City Hall.

Elias Salem, 33, left, and Samuel Tyler, 33, of San Francisco pose after being married at San Francisco City Hall.

(Sarahbeth Maney / For The Times)

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Today, the gilded Beaux-Arts building sees as many as 7,000 marriage ceremonies a year. That’s two-thirds again more than its Santa Barbara rival, which does about 4,000, and roughly the same number as take place at the Norwalk headquarters of the Los Angeles County Registrar, a top contender for the country’s busiest wedding venue after New York’s Manhattan Marriage Bureau and the Office of Civil Marriages in Las Vegas.

“Over the last three to four years it’s been really dramatic,” said Cheri Tran, a popular elopement photographer in San Francisco. “When I did my first City Hall elopement six or seven years ago, we were only dodging 20 or 30 people. Now it’s hundreds.”

The TikTok-driven crowds leave many locals in the lurch. Tran nudges her brides toward the Marin County Civic Center, Frank Lloyd Wright’s final public building. Others, like photographer Anna Perlman, encourage “adventure elopements” in Joshua Tree or Big Sur.

Officials, too, have sought creative ways to relieve the pressure. On the last Friday in June, San Francisco and Santa Barbara both opened their books to scores of additional couples, ushering in a brief return to the romance of last-minute marriage.

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“There were simultaneously four or five couples trying to take a picture on the staircase,” said newlywed Daniel Tran, 28, who chanced upon one of the extra slots opened for San Francisco’s annual Pride wedding event. “One of our witnesses took a picture, and you could see couples on every floor getting married. It was a little jarring.”

Several brides and grooms stand around a grand staircase.

Newlywed couples wait their turn for photos on the grand staircase during the busiest wedding day of the year at San Francisco City Hall.

(Sarahbeth Maney / For The Times)

A similar scene played out in Santa Barbara, where officials agreed to marry couples without an appointment for “Palindrome Day,” a sought-after anniversary that reads the same backwards and forwards.

“This is the first time we’ve ever done no appointments out here,” Greene said. “We authorized overtime and we’re gonna take short lunches and we’re just gonna get as many as we can through.”

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By 11 a.m., the building’s lush courtyard was aflutter with white dresses and mascara-streaked tissues, cameras snapping from every angle as clerks flitted back and forth with marriage licenses.

Some, like the El Monte couple, had planned their nuptials for months. Others, like the pair from Compton, had pulled their ceremony together virtually overnight.

But few had managed an eleventh-hour affair quite as swiftly as Susie Villacis and Gaspar Garcia Jr., who cruised into town around 2 a.m. Friday morning after hunting down an all-inclusive civil ceremony from halfway across the state.

“To be honest, it was last minute — it was yesterday,” the bride said of the decision to marry in Santa Barbara.

With their Catholic wedding in Ecuador looming, the San Francisco couple needed a license and a civil ceremony ASAP.

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“We were going to get married at San Francisco City Hall, but the earliest appointment was September,” Villacis said. “This was the only place we could do everything in one go.”

Lee, the county supervisor, was happy to oblige. The black-robed officiant led the pair through their wedding vows, pronouncing them husband and wife as their mothers looked on with tears in their eyes.

Garcia dipped Villacis for a dramatic first kiss. Then the trio posed for a selfie.



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