California
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.
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.
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.
Melzer also said she understands that fire is a concern for insurance companies but that they should support homeowners in times of need.
California
California high surf and flood warnings continue after pier collapse
What’s New
California’s coastal residents are facing dangerous conditions this Christmas Eve as high surf and flood warnings continue after heavy waves caused a pier to collapse on Monday.
Why It Matters
Portions of the Pacific coast are currently under hazardous seas warnings, high surf warnings and coastal flood warnings as it is shaping up to deliver some of the most severe surf conditions of the winter season, according to the National Weather Service (NWS) office in Portland.
The NWS issued a high surf warning, with waves reaching up to 35 feet, which can pose significant risks to both property and lives.
“Large waves can sweep across the beach without warning, pulling people into the sea from rocks, jetties, and beaches,” the agency warned in a Christmas Eve bulletin.
The alert remains in effect until Tuesday evening, prompting evacuations and heightened vigilance in several coastal communities.
What To Know
The NWS warnings come after a municipal wharf in Santa Cruz that was under renovation succumbed to a storm’s force. Around 150 feet of the structure collapsed into the Pacific, pulling three engineers inspecting the site into the water. All three individuals survived with two rescued by lifeguards and one swimming to safety.
Santa Cruz Mayor Fred Keeley said that section of the pier had been damaged over time, and the structure was in the middle of a $4 million renovation following destructive storms last winter.
Tony Elliot, Santa Cruz Parks & Recreation Department head, confirmed that the severed portion of the wharf, which included restrooms and a closed restaurant, drifted nearly half a mile before settling in the San Lorenzo River.
In response, coastal towns including Santa Cruz have evacuated vulnerable homes and hotels as the state braces for more damage.
What People Are Saying
Keeley said Monday: “We are anticipating that what is coming toward us is more serious than what was there this morning.”
The National Weather Service’s Bay Area office said in a post on X (formerly Twitter): “You are risking your life, and those of the people that would need to try and save you by getting in or too close to the water.”
The NWS office in Portland, Oregon, said in a post on X:“It will likely go down as some of the highest surf this winter.”
California Governor Gavin Newsom’s press office posted to X on Monday afternoon, saying that he is aware of the situation with the pier.
“@CAGovernorNewsom has been briefed on a previously damaged section of the Santa Cruz pier that broke off due to heavy surf. @Cal_OES is coordinating with local officials and is ready to provide support,” Newsom’s press office wrote. “Residents and visitors should avoid the area and follow local guidance.”
What Happens Next
As California residents grapple with these dangerous conditions, meteorologists warn that the storm’s high surf may be the most intense of the season.
With more severe weather expected, officials are urging the public to heed warnings and avoid risky coastal areas.
This article includes reporting from The Associated Press.
California
Video shows moments shoplifting suspects discuss new California laws in back of Seal Beach patrol car
A recently viral video shows the moments that two shoplifters discuss Proposition 36, one of the new laws in effect in California that now makes stealing a felony, while sitting in the back of a police car.
The video, which was shared on Sunday by the Seal Beach Police Department, follows along with a trio of shoplifting suspects as they hit multiple stores back on Dec. 4, making off which more than $1,600 in stolen merchandise.
The suspects first enter an Ulta Beauty store at around 7:12 p.m., where police say they took off with almost $650 worth of stolen merchandise. Less than an hour later, they enter a Kohl’s store, where they reportedly stole more than $1,180 worth of items. They can then be seen as they leave the store, walking through the parking lot with stolen items in tow.
Suddenly, the video cuts to body camera footage of police chasing the suspects through a parking lot before they’re arrested, according to a statement released on Monday.
The suspects have been identified as Destiny Bender, 24, and Deanna Hines, 24, of Long Beach and 26-year-old Signal Hill woman Michelle Pitts. All three were booked on charges of grand theft, conspiracy to commit a crime and resisting arrest.
Video shows two of those suspects sitting handcuffed in the back of a patrol car.
“It’s a felony?” one can be heard asking.
“B—h new laws,” the other responds. “Stealing is a felony. And this is Orange County b—h they don’t play.”
Seal Beach police offered an explanation of the new changes in effect across California.
“Proposition 36, which voters approved in November 2024, creates stricter penalties for organized theft and expands law enforcement capabilities to combat repeat offenders,” the Seal Beach police statement says. “Specifically, it permits felony charges for petty theft with prior convictions, allows aggregating the value of stolen goods from multiple thefts to meet the $950 felony threshold, and introduces enhancements for theft crimes involving two or more offenders acting in concert.”
The video was set to the tune of “These Boots Are Made For Walkin’” by Nancy Sinatra, likely alluding to the large furry boots worn by one of the suspects.
Police say that the release of the video is a part of their “Don’t Steal in Seal” campaign, which highlights arrests and looks to educate the public on the consequences of committing crimes in their city.
“The campaign has received widespread praise for this innovative approach and effectiveness in engaging the community,” the department release said.
California
A portion of the Santa Cruz pier in California collapses
Words of caution circulated online after a portion of the Santa Cruz Wharf in California broke off and drifted into the surrounding waters on Dec. 23.
Two people with minor injuries were rescued and transported to a local hospital, and a third made their way to safety on their own after the partial collapse happened at 12:45 p.m. PT, according to Santa Cruz officials. No deaths were reported.
A bystander-captured video and shared on X of a large part of the wharf, which is similar to a pier but often smaller, and its debris drifting in the water on the same day. The video owner is credited as Harrison Patiño. A second video, viewed by TODAY.com, shows a small, house-like wooden structure floating in the ocean following the partial collapse.
The 2,745-foot-long wharf has long been a local landmark and tourist attraction and was constructed in 1914, according to the City of Santa Cruz website. It is the sixth wharf to have existed at the site just off of Beach Street.
On X, the press office for Gavin Newsom, the governor of California, cautioned residents and visitors to avoid the area and follow local guidance.
“Newsom has been briefed on a previously damaged section of the Santa Cruz pier that broke off due to heavy surf,” the post reads in part. “(California Governor’s Office of Emergency Services) is coordinating with local officials and is ready to provide support.”
In a press conference later in the day, Santa Cruz officials confirmed that authorities had braced for potential damage to the wharf ahead of time due to strong storms and swell.
“We also would tell people that we want them to stay away,” Rob Oatey of the Santa Cruz Fire Department said. “We pointed out before, the ocean right now is extremely dangerous, so we’re telling all people to stay away, to observe from a safe distance. It’s the holidays, and we have people visiting from out of the area. Observe from a very safe distance. And if they can observe online.”
The official cautioned that debris from the wharf will continue to spread in the ocean and that storms would continue to affect the area for the next four or five days.
The Santa Cruz Wharf has now been closed to the public.
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