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Concerns over insurance rates spread far beyond fire-prone areas in California

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Concerns over insurance rates spread far beyond fire-prone areas in California


ROSEVILLE — Hotter days are still to come, putting fire fears top of mind for many. However, it’s not just for homeowners who live in wildfire-prone areas but homeowners who call the suburbs home.

It’s not a new headline that insurance companies are pulling back on insuring California homeowners in high-risk fire zones, but what is new is how climate change is impacting homes in areas that aren’t typically considered a risk.

In Roseville, a homeowner was tasked by her insurance company to take photos of her home. What followed in the mail was a letter notifying her that she would be dropped by the company unless thousands of dollars worth of changes were made to the home, which was built within the last decade.

“This came as a surprise because we thought nothing has really changed,” said Nadia Melzer, a homeowner and Placer County realtor.

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She’s been on both sides of a growing insurance issue that she once believed wouldn’t land at her front door or, in her case, in her backyard.

According to Melzer’s previous insurer (she’s since changed companies), her home needed updates that included trees being moved further apart in the backyard and closing soffits on the home.

On the other side of her backyard fence is an open field, which she believes is the main reason her former insurance company wanted to drop their home.

“Living here in the suburbs, I didn’t think that was anything I would have to worry about,” Melzer said.

CBS13 took these questions and concerns to Ryan Lundquist, an appraiser and housing analyst. He said that he’s heard stories like this and others locally that start with a letter in the mail about changes and end with a homeowner losing home insurance.

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Tall grass, homes over 100 years old, trees close to the home, and a house near open space are all reasons Lundquist said he’s heard cited to homeowners about why their home insurance won’t be renewed.

“I’m starting to hear a lot more stories like this, and it seems like insurance companies are getting a bit nit-picky over issues,” he said.

Another trend Lundquist said he’s seen used by insurers: using drones for home inspection. He explained that a Rocklin client received notice that his home had been inspected by a drone and due to the findings, he would be dropped by his insurer.

“This is not just a California thing, but we’re seeing insurance issues in states like Florida and Texas and places where there’s been a lot of natural disasters,” Lundquist said.

Climate change, experts say, is playing a role in where some insurance companies choose to insure or renew. It’s why, Lundquist said, insurance issues aren’t limited to fire-prone areas but now in suburban neighborhoods, too.

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Melzer also said she understands that fire is a concern for insurance companies but that they should support homeowners in times of need.



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California

Over 100 horses at Southern California facility at risk of being displaced

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Over 100 horses at Southern California facility at risk of being displaced


More than 100 horses are in danger of being displaced, including some that are too old to be moved and would need to be euthanized, after the city of Lakewood announced it could no longer afford to run the beloved equestrian center.  

The Lakewood Equestrian Center also houses miniature horses and some mules. Some of the horses are old and have been retired, while others are used for training and riding.  

Taylor Cohen, who works as a first responder and boards her horse at the center, explained that horses provide people with the opportunity to relax and just love their animals.  

Hearing news that the city plans to shutter the equestrian center, she said, was devastating.  

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“Having been a first responder [for] the last 18 years of my life, finding ways to manage the stress that you come into is huge,” Cohen explained. “There has to be other ways [to do that] besides going and seeing a therapist.”  

Part of the land the equestrian center sits on is owned by the county. Another portion is owned by Southern California Edison.  

The city has announced plans to wipe the equestrian center out and build a park with pickleball courts, though, according to Cohen and others, this comes with a huge problem.  

  • Lakewood Equestrian Center
  • Lakewood Equestrian Center
  • Lakewood Equestrian Center
  • Lakewood Equestrian Center

“There’s nowhere for these horses to go,” she said. “Some of them won’t be able to be moved because of age or health issues. There’s actually no place around that will be able to board all these horses.”  

Lakewood City Council halted their vote on the issue to give people more time to come up with a proposal for taking it over, but the facility needs at least $6 million in repairs and Edison is owed more than $40,000 on the lease, leaving some people who use the center at a loss.  

“We have nowhere else to go,” Noah Grove, who boards his animals at the facility, told KTLA’s Jennifer McGraw. “Huntington Beach Equestrian Center, their full and have a 35-horse waitlist. I’m actually from Huntington Beach. I drive 18 to 30 minutes to get here, depending on traffic, and I’m up here sometimes twice a day.”  

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Riders like Makella Mahan are hoping someone can grab the reins of the facility and save this haven for her and the horses.  

“Honestly, all these beautiful horses would be out of a home, and I think that would be very sad,” she said.  

For its part, city officials have said they don’t necessarily want to close the facility and are hoping to come up with a plan, along with the equestrian community, for making the center profitable or even getting it to break even.  



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New law requiring California bars to offer drink spiking drug test kits takes effect July 1 | CNN

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New law requiring California bars to offer drink spiking drug test kits takes effect July 1 | CNN




CNN
 — 

A new law requiring many California bars and nightclubs to offer common date-rape drug test kits will take effect Tuesday, according to the California Department of Alcoholic Beverage Control.

The law, Assembly Bill 1013, requires approximately 2,400 establishments with a Type 48 license to have signage letting patrons know that drug testing kits are available.

Type 48 licenses are issued to bars and nightclubs and authorize the sale of beer, wine, and distilled spirits, according to the department.

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The signage reads, “Don’t get roofied! Drink spiking drug test kits available here. Ask a staff member for details.”

The drug testing devices will either be offered for sale at a reasonable price or be given to customers for free, according to the department.

Devices could include test strips, stickers, or straws that can detect the presence of controlled substances in drinks.



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California bars required to offer drug testing kits starting July 1

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California bars required to offer drug testing kits starting July 1


California bars required to offer drug testing kits starting July 1 – CBS Sacramento

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Bars and nightclubs across California will be required to have testing kits for date rape drugs, effective Monday.

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