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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 $3.7 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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Teen charged with murder of beloved California middle-school teacher

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Teen charged with murder of beloved California middle-school teacher



The boy was 15 at the time that 50-year-old Sergio Martin was shot dead in his home in Dinuba, California. Martin was a longtime Spanish teacher at El Monte Middle School.

A 16-year-old boy has been charged in the killing of a beloved middle-school teacher during a burglary in central California last year.

Officers found Sergio Martin, a 50-year-old teacher for the Cutler-Orosi Joint Unified School District, dead from multiple gunshot wounds in his home in Dinuba at around 3 a.m. on Nov. 6, 2023. At the time, police described the shooting as a random act of violence and said the suspect was not a former student of Martin’s.

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The teenager was charged with murder and burglary, among other counts, the Tulare County District Attorney said Monday. The teen was arraigned in Tulare County Juvenile Court on Friday.

Under California law, the boy will be tried as a juvenile because he was 15 at the time of the killing. If convicted, he can only remain in custody until the age of 25.

Two young adults also charged in burglary

Two others were charged with burglary in connection to the crime, according to the district attorney’s office.

Jorge Arrieta, 21, and Joseph Garcia, 20, were charged with second-degree burglary and accessory. Arrieta is also charged with having stolen property, according to the prosecutor.

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The two were arrested on Friday, with Arrieta remaining in custody and arraigned on Monday. Garcia was released on bail and is scheduled to return to court on May 22 for his arraignment.

USA TODAY was working to track down attorneys for Arrieta and Garcia for comment.

Martin loved vinyl records and the Dodgers

Martin taught Spanish at El Monte Middle School for 17 years. Following his death, students and teachers at the school posted dozens of notes with letters and pictures outside his classroom. One of them said, “I am sorry,” while another simply said: “We will miss you, Mr. Martin.”

The educator was a dedicated fan of the Los Angeles Dodgers, his colleague Chris Velasco told KFSN-TV in November.

Emilio Botello, one of Martin’s close friends, said he deeply cared about his parents and students and was enthusiastic about his vinyl record collection.

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“Beyond his teachings and in the classroom, he’s affected many kids, but to adults that’s not that easy, it’s not that easy and he’s done that,” Botello told KFSN.

Contributing: Eric Woomer, Visalia Times-Delta



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California “snow deluges” expected to decline significantly by 2100

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California “snow deluges” expected to decline significantly by 2100


Extreme snowfall will become less common in California by 2100, a new study found.

Scientists understand how a lack of snow or “snow drought” can affect a region, especially in the midst of a warming climate. However, before now, they did not understand the impact of unusually high levels of snow. And this is becoming more important, as California has just emerged from its second winter of high snowfall.

A new study published in the Proceedings of the National Academy of Sciences used the 2023 winter as a case study to learn more. Computational hydrologist Adrienne Marshall and colleagues from the Colorado School of Mines dubbed the term “snow deluges” to describe the phenomenon recently seen in California.

To reach their findings, they analyzed the unusual snow deluge across the Sierra Nevada mountains in 2023 to assess the impact of “high snow years.”

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A stock photo shows Emerald Bay in California dusted with snow. A new study found that extreme snowfall in California will decrease by the end of the century.

Dave Fleishman – Just a Little Light Fine Photography/Getty

In 2023, California saw an extremely high amount of snow accumulation, with record snowpack levels. Observations showed the accumulations were a “once-in-54-years event,” with some areas reporting “once-in-320-years accumulations,” the study reported.

By looking at climate projections, scientists found that years like these with the so-called “snow deluges” are set to decline by 58 percent by the end of this century. Years with median levels of snowfall are also estimated to decline by 73 percent, they reported.

“California’s massive snow year of 2023 was record-breaking at 42 percent of snow monitoring sites,” Marshall told Newsweek. “Climate models indicate that in warmer future climates, our biggest snow years will be smaller than our biggest snow years now. Another way of putting this is that a snow deluge like we saw in 2023 would be much more rare in a warmer climate like that we might expect later in the 21st century.”

Similar patterns will also be seen across the wider Western U.S., the study reports.

The findings “underscore the significance of uncovering the impact of climate change on the dynamics of snow deluges and snow droughts in mountainous regions,” the study reports.

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“These findings align with a bigger scientific picture that shows declining average snowpack and more frequent snow droughts in California and throughout the West,” Marshall said. “Our new findings suggest that we shouldn’t count on big snow years like the one we had last year to save us in warmer climates.

“This is important because snow acts as a natural reservoir in the mountains that stores water until the late spring and summer when we need it most. Our best opportunities to avoid the worst consequences of this snow loss lie in reducing our greenhouse gas emissions and finding ways to adapt to adapt to changing snow and water availability.”

The study notes that snow deluges can be “both destructive and beneficial” meaning better understanding of the phenomenon can improve management of “snow-dependent ecosystems and economies.”

The 2023 snow deluge in California, in many ways, could be seen as good thing. Before it occurred, the state had been suffering from prolonged drought conditions. As a result, there was a severe lack of snowpack in the surrounding mountains, meaning less water was feeding the state’s reservoirs.

The large snow build-up, however, meant that come spring, it melted into rivers and reservoirs, saving the state from a water crisis. In fact, drought conditions in the state officially ended.

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However, the heavy snowfall indicates that climate change is worsening, as weather patterns become more unpredictable and extreme. While the drought has ended for now, climate change could cause another prolonged dry period in the future.

“Snow is important for both ecosystems and water resources, and there’s a lot still to learn about how our biggest snow years—or the loss of them—impact these systems,” Marshall said. “The present study focuses on annual-scale snow deluges, but the largest individual snowfall events could change in different ways.

“We focused on a moderate warming scenario in California and the Western U.S., but it would also be helpful to learn more about how different climate scenarios could affect snow deluges in other parts of the world.”

Do you have a tip on a science story that Newsweek should be covering? Do you have a question about California snowfall? Let us know via science@newsweek.com.

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Newsweek is committed to challenging conventional wisdom and finding connections in the search for common ground.



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Prices at California Chipotle, McDonald's and other fast-food chains are rising following minimum wage hike

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Prices at California Chipotle, McDonald's and other fast-food chains are rising following minimum wage hike


Prices at Chipotle, McDonald’s and other fast-food giants in California are rising after a minimum wage hike went into effect. 

“Chipotle said in an investor call Wednesday that prices at its nearly 500 California restaurants climbed 6% to 7% during the first week of April compared with last year, playing out across its menu,” The Wall Street Journal reported Sunday. 

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“The state isn’t making it easy,” Chipotle Chief Executive Brian Niccol reportedly said. 

CALIFORNIA’S $20 MINIMUM WAGE FOR FAST-FOOD WORKERS GOES INTO EFFECT

Prices at Chipotle, McDonald’s and other fast-food giants in California are rising after a minimum wage hike went into effect.  (Getty Images)

“I feel ripped off a little,” Greg LaVay said of rising prices at McDonald’s. 

Prices for Chick-fil-A in Los Angeles are also putting the squeeze on customers. 

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“The price for a spicy chicken sandwich at that location had gone up to $7.09 from $6.29, or 13%, since mid-February, according to research by Gordon Haskett Research Advisors,” The Journal revealed. “Chick-fil-A’s prices increased 10.6% on average in California during that time period, Gordon Haskett found.”

California’s new law boosting the minimum wage for fast-food workers in the state to $20 an hour went into effect on April 1, impacting restaurants that have at least 60 locations nationwide, except those that make and sell their own bread.

Gov. Gavin Newsom signed the legislation, AB 1228, into law in September.

The overall minimum wage for other workers in California is $15.50 an hour, among the highest of any state. The federal minimum wage, which has remained unchanged since 2009, is $7.25 an hour, or $15,080 a year for an employee working 40 hours a week.

CALIFORNIA FOOD CHAINS LAYING OFF WORKERS AHEAD OF NEW MINIMUM WAGE LAW

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Gov. Gavin Newsom signs legislation

Los Angeles, CA – September 28:Gov. Gavin Newsom signs legislation raising California fast food workers minimum wage to $20 an hour at SEIU Local 721 in Los Angeles on Thursday, September 28, 2023. Newsom gave Anneisha Williams, who works at Jack in ( Sarah Reingewirtz/MediaNews Group/Los Angeles Daily News via Getty Images) / Getty Images)

Other companies, including Chick-fil-A, Domino’s, Burger King, Pizza Hut, and Jack in the Box have also raised prices since September, The Journal reported. 

Chipotle, McDonald’s and Gov. Newsom’s office did not respond to a request for comment from Fox News Digital. 

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Fox Business’ Breck Dumas contributed to this report.



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