California
What Southern California wildfire victims can expect from their insurance adjuster
LOS ANGELES — Even with flames still burning in parts of Los Angeles County, total insured losses from the wildfires this month are already estimated at more than $30 billion, according to Goldman Sachs.
Note: The video above is from related coverage.
The massive amount of damage dwarfs the previous record of $12 billion in insured losses caused by Northern California’s Camp Fire in 2018.
With over 15,000 structures already destroyed in the Palisades, Eaton and spate of smaller fires, according to state officials, some public insurance claim adjusters are warning that it may take years for claims to be resolved, and in some instances, homeowners may not have the coverage they thought they had.
A recent study from the University of Colorado Boulder of a 2021 wildfire in the state found that three-quarters of those who lost their homes were not fully covered for total losses.
MORE: Experts – How to get the most out of your insurance coverage after fire
Trying to figure out what to do next after surviving a disaster, contacting your insurance company should be one of the first things you do. But then what? United Policyholders is a non-profit whose mission is to assist you in getting the most out of your coverage.
As thousands of homeowners in Southern California file insurance claims to start the recovery process, they are meeting the one person who will determine how much the insurance company should pay for their loss — the insurance adjuster.
Each claimant is assigned an adjuster by the insurance company. It is the adjuster’s job to assess the damage, and in the case of the LA wildfires, prioritize the destroyed and severely damaged homes over those with minor damage.
California law requires that insurers immediately pay policyholders one-third of the estimated value of their belongings and a minimum of four months’ rent in the event they are completely displaced.
Gov. Gavin Newsom recently issued a one-year moratorium preventing insurance companies from canceling or issuing non-renewals for homeowners in the neighborhoods or adjoining ZIP codes affected by the Palisades and Eaton fires.
After the adjuster assesses the damage, they will determine how much the insurance company pays out for the claim.
Those who file may be given a settlement offer on the spot, but Amy Bach, executive director of the non-profit consumer advocacy group United Policyholders, tells ABC News that homeowners should resist the temptation to sign on the dotted line right away.
She recommends asking insurers for a copy of the policy and studying it for details about what level of coverage can apply.
“Give your insurance company a chance to do the right thing, but don’t be a pushover,” Bach said. “Understand reality — your insurer is a for-profit business, and you need to be pro-active to recover what you’re owed in full. Get informed on your rights and your insurer’s obligations and be politely assertive.”
MORE: These 2 types of insurance coverage will help rebuild after disaster
Most fire victims say they want to rebuild. They might have insurance, but is it going to be enough? Here are two types of coverage that experts say are key to help the rebuilding process.
Experts say if an insurer tells a homeowner that something is not covered, they should get a second opinion, including getting independent valuations of the replacement cost of the home and possessions.
“Chances are the insurer’s adjuster will use a software program to calculate what they owe you,” Bach said. “Computers don’t repair and rebuild homes — contractors and subcontractors do. So, it’s what they will charge that matters.”
If the homeowner disagrees with the insurance company’s assessment, they can appeal the decision and hire a public adjuster for a fee, according to Bach.
The public adjuster’s second opinion may help when negotiating with the insurance company, Bach added.
Public adjusters can be found through the California Department of Insurance website, and if homeowners are not being treated fairly — they can file a complaint for free with the same department.
Bach suggests keeping detailed notes of all conversations with the insurance company and adjuster including the dates and times of speaking, the names of those representatives, and a summary of what was said.
She also recommends sending a follow-up email after every conversation to document the progress.
Even if affected homeowners are insured, experts also recommend applying for disaster assistance from the Federal Emergency Management Agency.
Copyright © 2025 ABC News Internet Ventures.
California
California under pressure — again — as partisan redistricting wars escalate
WASHINGTON — When the U.S. Supreme Court sharply curtailed a key provision of the Voting Rights Act last week, Democrats in Washington had a message: The rules of redistricting have changed, and California — the nation’s biggest blue bastion — may have a further role to play.
Rep. Alexandria Ocasio-Cortez (D-N.Y.) said Democrats should “play by the same set of rules” as Republicans. House Minority Leader Hakeem Jeffries (D-N.Y.) vowed to fight in “the Deep South and all over the country.” And Rep. Terri Sewell, an Alabama Democrat, was blunt: “I’ll take 52 seats from California, I sure would. And 17 seats from Illinois.”
The calls for action came as Republican governors in Louisiana, Alabama, Mississipppi and Tennessee called special legislative sessions to redraw congressional maps ahead of this year’s midterm elections. Florida has also approved new maps that could give the GOP four more seats in the House, and President Trump urged other Republican states to follow suit.
The Republican response has intensified the pressure on Democrats to act, including those in California — where the ruling could upend not just congressional maps, but also legislative and local races.
“We can’t allow this national gerrymandering effort of Republicans to go unanswered,” said Rep. Robert Garcia (D-Long Beach). “If Republicans go for it, I think we have to leave all options on the table.”
For now, California’s response is far from settled.
Rep. Sydney Kamlager-Dove (D-Los Angeles) cautioned against “accelerating a race to the bottom.”
(J. Scott Applewhite / Associated Press)
The chair of the California Democratic Party said there are no current plans to redraw maps — just months after voters approved a constitutional amendment authorizing a mid-decade redistricting backed by Gov. Gavin Newsom.
The Democratic consultant who drew the state’s current congressional district boundaries says an all-blue map, while possible to create, would probably hurt Democrats more than help them in the long run. And some of the state’s congressional Democrats are worried the impulse to match Republican partisan efforts would be bad for the American electorate.
“Rather than accelerating a race to the bottom, the next step is to dial it down because you can reach a point of no return,” said Rep. Sydney Kamlager-Dove (D-Los Angeles), one of the state’s most prominent Black lawmakers. “And that’s where we’re headed.”
What California decides — and when — will matter at the national level. With 52 congressional seats, no state has more to offer Democrats in a redistricting war. But experts, lawmakers and party officials say the path forward is more complicated than the calls from Washington suggest.
California could see 48 blue seats, out of 52
That’s in part because California already acted. In 2025, voters approved Proposition 50, which drew new congressional district lines designed to favor Democrats for the 2026, 2028 and 2030 elections. The new maps, which could yield as many as 48 Democratic seats out of 52, are already in effect, and voters have begun receiving their mail-in ballots.
Going farther is not currently on the table — at least not yet.
“We have yet to fully win the seats in the map that was drawn in 2025. It seems a step too far to say we’re going to go back to the drawing board and redraw the map,” said Rusty Hicks, the chair of the California Democratic Party.
Hicks said it doesn’t mean the issue could not become part of a future discussion, but he said Democrats in other states should not look past what California has already done.
“We’re trying to pick up 48 of them. How much more do you want us to pick up? You want us to make it 52 blue? Well, you all should get into the fight,” Hicks said. “You all should pick up some seats. Let’s all do this together, because California cannot do it alone, it will take the rest of the country.”
Others are not convinced the most aggressive option makes the strategic sense in California.
Paul Mitchell, the Democratic redistricting consultant who drew California’s Proposition 50 congressional maps, said the push for a 52-0 delegation reflects a fundamental misunderstanding of how a partisan map would perform in the state over time.
“A 52-to-zero map would have the potential of backfiring,” Mitchell said. “In 2026, we could pick up 52 seats. But then in 2028 or 2030 — a bad year for Democrats, let’s say — Democrats lose 11 of those seats. You’ve drawn these districts so demonically to a Democratic advantage in a good year that in a bad Democratic year, they don’t have the ability to withstand the challenge.”
Ruling could jeopardize state’s voting rights law
The political debate over congressional maps has so far dominated the conversation in Washington. But legal scholars and redistricting experts say the ruling could also have consequences in California’s city hall, school board and county supervisor races.
The justices’ ruling, decided by the court’s conservative majority, says states cannot consider race to create majority-minority electoral districts while allowing them take partisan interests into account.
“A purely partisan map is actually more defensible now than one drawn with racial considerations,” said Rick Hasen, an election law professor at UCLA. “It turns the world on its head.”
The ruling now puts at risk any district drawn at any level of government that relied on the Voting Rights Act to justify its boundaries, Hasen said.
And in California, that uncertainty extends to districts drawn under the state Voting Rights Act, which extends protections for minority voters beyond the federal law, he said. The state law was not directly at issue in the Supreme Court ruling, but Hasen argues the court’s reasoning could provide new legal grounds to challenge the state law as potentially unconstitutional.
Cities including Santa Monica and Palmdale have faced lawsuits alleging their at-large City Council elections diluted the Latino vote. Palmdale settled its case and agreed to switch to district-based elections; Santa Monica’s case is ongoing. Hasen argued that the cities, as well as other bodies, such as school boards, could now return to court to challenge whether district maps drawn as a result of the California Voting Rights Act are unconstitutional.
“That has not been tested yet,” he said, but he fears the same arguments made to challenge the federal Voting Rights Act could be made against the state law.
At the state level, Republican strategist Matt Rexroad sees the ruling affecting the California Legislature as well. He argues the boundaries drawn for the state Assembly and Senate districts are racial gerrymanders.
“Those legislative lines, I would argue, are unconstitutional,” Rexroad said. “And those lines are probably going to change by 2028.”
But Rexroad’s biggest concern goes beyond any single set of maps: It is the future of California’s independent redistricting commission, the nonpartisan body he has spent years defending.
A threat to independent redistricting
Rexroad sees a scenario in which the national political environment gives California Democrats little incentive to return the map-making power to the commission. If Republican states continue to aggressively redraw maps, Democrats will have another justification to keep power in the Legislature’s hands, the same argument made to pass Proposition 50, he said.
“I don’t think the California redistricting commission has ever been in greater jeopardy than it is right now,” he said.
J. Morgan Kousser, a historian who has testified as an expert witness in voting rights cases for 47 years, said California’s commitment to the commission may depend on how aggressive Republican states act in redistricting.
“If we go back to an all-white South in Congress, California may not go back to a fairness standard,” Kousser said. “It may not disarm. It may rearm.”
Mitchell, the redistricting consultant, said that he hopes California and other states choose the path of disarmament and that there is a national push for independent commissions in every state.
“This isn’t good for anybody,” he said. “This was all basically a nerd war over lines that didn’t actually improve any districts anywhere.”
California
HGTV names 2 Northern California towns amongst best suburbs in the U.S.
Five favorite walkable, bikable cities in America
USA TODAY 10Best readers voted these five cities as the most walkable in the nation. Check out the full list of 10 Most Walkable Cities on 10Best.com.
Scott L. Hall, USA TODAY
A lifestyle television network recently released a list on its website of the hottest suburbs in the city, with two in California
Home and Garden Television, or HGTV as it’s most commonly known, released its list of the 20 hottest suburbs in the country for those hoping to escape city life.
HGTV partnered with Suburban Jungle, a website that advises people move from cities to suburbs, to create the list.
The channel’s website cited entertainment, seasonal festivals and local theater programs as just a few perks to suburban living.
So, what are the best suburbs according to HGTV?
What are the best suburbs in the U.S.?
Among the list of the 20 hottest suburbs around the U.S., two California towns near San Francisco made the cut.
Mill Valley, a small town in Marin County, has an estimated population of about 13,904 as of 2024.
The city is just outside San Francisco and is known for its Mill Valley Film Festival amd live performances at Sweetwater Music Hall or Throckmorton Theater are available to residents.
“Mill Valley has a one-of-a-kind natural environment and access to nature: It borders Muir Woods National Monument, Golden Gate National Recreation Area, Mount Tamalpais State Park and the San Francisco Bay,” said Pam Goldman, head Bay Area strategist for Suburban Jungle to HGTV.
Redwood City was the second California town among the hottest suburbs in the country. It is located in the heart of Silicon Valley and about 27 miles from San Francisco, HGTV says.
The city has an estimated population of 82,982 as of 2024 and several tech companies. Despite the tech presence, the town maintains a close-knit feel and has several year-round community events on Broadway, as well as seasonal events such as Oktoberfest and Music on the Square, the home and garden website said.
“Redwood City has lots of energy and youthful vibes, and it’s also right between San Francisco and San Jose,” Goodman said.
Top 20 hottest suburbs, according to HGTV:
- Chappaqua, New York
- Larchmont, New York
- Summit, New Jersey
- Port Washington, New York
- Greenwich, Connecticut
- Westport, Connecticut
- Glencoe, Illinois
- La Grange, Illinois
- Needham, Massachusetts
- Winchester, Massachusetts
- Lafayette, Colorado
- Littleton, Colorado
- Bethesda, Maryland
- Fairfax, Virginia
- Boca Raton, Florida
- Wesley Chapel, Florida
- Mill Valley, California
- Redwood City, California
- Dunwoody, Georgia
- Milton, Georgia
Ernesto Centeno Araujo covers breaking news for the Ventura County Star. He can be reached at ecentenoaraujo@vcstar.com, 805-437-0224 or @ecentenoaraujo on Instagram and X.
California
Contributor: California law limiting bail is clear. Will judges keep ignoring it?
Gerald Kowalczyk tried to buy a hamburger with credit cards he found on the floor. Then, while presumed innocent, he spent months in a California jail — not because a judge determined he was dangerous, not because he threatened anyone, but because the court set bail at $75,000 for a man who couldn’t afford it, then simply denied bail altogether, in defiance of the law. Last week, the California Supreme Court unanimously said no more. The court held that pretrial liberty is the norm; incarceration before conviction for any crime is the rare, carefully limited exception. If courts choose to condition freedom on a monetary payment it “must” be “an amount that is reasonable.”
For years, California courts ran an unconstitutional shadow detention system. The mechanics were straightforward: Set bail at an amount the defendant cannot pay and the result is the same as ordering detention outright. As the court explained in its Kowalczyk ruling, pretrial detention requires strong evidence of a serious charge and “clear and convincing evidence establishing a substantial likelihood that the defendant’s release would result in great bodily harm to others.” Instead, as Justice Joshua P. Groban explains in concurrence, courts have used money bail to detain poor people accused of nonviolent offenses with “devastating repercussions for their employment, education, housing, access to public benefits, immigration status, and family stability.”
This wasn’t a bug. It was the system.
Last week’s ruling closes that loophole — unambiguously and unanimously. Courts can no longer use unaffordable bail as a backdoor detention order. Where detention isn’t authorized, bail must be set at an attainable amount, based on the defendant’s actual circumstances. The ruling builds directly on the Humphrey precedent from 2021, a California Supreme Court decision that first held wealth-based detention unconstitutional and a case I helped bring.
I know how hard these victories are to win. I also know how easily they can be ignored.
Even after Humphrey was decided, across Santa Clara, San Mateo and Alameda counties, judges asked about a defendant’s financial circumstances exactly once out of nearly 250 observed cases. In more than 95% of hearings, judges cited no legal standard at all when ordering detention. More than 90% of people jailed pretrial were charged with offenses that didn’t even qualify for detention under the California Constitution: shoplifting, driving without a license, vandalism. These findings came from Silicon Valley De-Bug, a community organization whose members spent years watching what happens in arraignment courtrooms.
The system didn’t follow the rules set out in Humphrey. We must ensure the system makes good on the unanimous ruling in Kowalczyk.
Start with public defense. California is one of just two states that contributes no funding to trial-level public defense, leaving the 58 counties with no state standards or oversight. The result is a patchwork of wildly unequal and inadequate representation. Last week’s ruling requires courts to make individualized findings about flight risk, public safety, alternative release conditions and ability to pay — which means defense attorneys must be present at or before arraignment, prepared to make ability-to-pay arguments, demand findings and challenge unaffordable bail on the record. In counties where public defenders carry caseloads of 100 or more, that is not happening. It cannot happen without resources.
Then there is the question of alternatives. The ruling requires judges to consider conditions of release — drug treatment, check-ins, social services referrals, in serious cases ankle monitoring — before resorting to money bail or detention. But these options exist only where counties have invested in pretrial services outside of law enforcement, programs such as San Francisco’s Pretrial Diversion Project. Most haven’t. A constitutional right to alternatives is hollow without alternatives for judges to choose from.
Finally, the Judicial Council, which makes policy for California courts, should establish monitoring standards, reporting requirements and training protocols that ensure courts no longer impose unnecessary or unconstitutional pretrial incarceration.
Kenneth Humphrey spent 250 days in jail for $5 and a bottle of cologne. Gerald Kowalczyk spent months inside for a hamburger. Behind each of them are tens of thousands of Californians who spent similar time behind bars unjustly, who lost jobs and homes and custody of their children, because the system treated their poverty as grounds for imprisonment.
The Supreme Court has now said clearly what our Constitution has since 1849: Pretrial liberty is the norm. Pretrial detention is the carefully limited exception. There is a good reason for the presumption of innocence: 1 in 3 California arrests does not lead to any conviction, and upending people’s lives by jailing them pretrial is so destabilizing it actually increases future crime.
Let’s ensure this presumption of innocence means something in practice if you, or your loved one, need it.
Chesa Boudin is the former district attorney of San Francisco and the executive director of the Criminal Law & Justice Center at UC Berkeley School of Law.
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