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
Suspect in Molotov attack at Sam Altman’s California home set to appear in court
SAN FRANCISCO — The man accused of trying to kill OpenAI CEO Sam Altman by throwing a Molotov cocktail at his San Francisco home is set to make an initial court appearance Tuesday.
Daniel Moreno-Gama, of Spring, Texas, traveled to San Francisco last week and hurled the incendiary device at Altman’s home Friday, setting an exterior gate on fire before fleeing on foot, authorities said. Less than an hour later, Moreno-Gama went to OpenAI’s headquarters about 3 miles (5 kilometers) away and threatened to burn down the building, they said.
No one was injured at Altman’s home or the company’s offices.
Authorities said Moreno-Gama, 20, expressed hatred of artificial intelligence in his writings, describing it as a danger to humanity and warning of “impending extinction,” according to court filings.
“This was not spontaneous. This was planned, targeted and extremely serious,” FBI San Francisco Acting Special Agent in Charge Matt Cobo said during a news conference Monday.
Moreno-Gama is charged in California state court with two counts of attempted murder and attempted arson, San Francisco District Attorney Brooke Jenkins said. He tried to kill both Altman and a security guard at Altman’s residence, she alleged. Officials have not said whether Altman was home at the time.
Online state court records do not yet show whether Moreno-Gama has an attorney who can speak on his behalf.
Craig Missakian, U.S. Attorney, Northern District of California, middle, speaks during a news conference Monday, April 13, 2026, in San Francisco. Credit: AP/Jeff Chiu
Jenkins said the state charges carry penalties ranging from 19 years to life in prison.
On Monday morning, FBI agents went to Moreno-Gama’s home in a Houston suburb where they spent several hours before leaving. He has also been charged by federal prosecutors with possession of an unregistered firearm and damage and destruction of property by means of explosives. Those charges carry respective penalties of up to 10 years and 20 years in prison.
“We will treat this as an act of domestic terrorism, and together with our partners, prosecute him to the fullest extent of the law,” U.S. Attorney Craig Missakian said when announcing the federal charges Monday.
The federal court documents do not list an attorney for Moreno-Gama, and he has not yet had his first appearance in federal court.
The document in which Moreno-Gama discussed his opposition to AI also made threats against Altman and executives at other AI companies, officials said.
“If I am going to advocate for others to kill and commit crimes, then I must lead by example and show that I am fully sincere in my message,” Moreno-Gama wrote, according to authorities.
Advocacy groups that have issued grave warnings about AI’s risks to society condemned the violence.
Anthony Aguirre, president and CEO of the Future of Life Institute, said in a written statement Friday that “violence and intimidation of any kind have no place in the conversation about the future of AI.”
Another group, PauseAI, said in a statement that the suspect had no role in the group but joined its forum on the social media platform Discord about two years ago and posted about 34 messages there, none containing explicit calls to violence but one that was flagged as “ambiguous.”
Discord said Monday that it has banned Moreno-Gama for “off-platform behavior.”
California
California dad charged with incest after allegedly assaulting daughter; DA may drop case
Dad charged with incest after allegedly assaulting daughter
Makayla Rene Settles moved to California to chase her dreams. Two days later, her family says her biological father sexually assaulted her. She was 18. She died five months later. Now her family is fighting to make sure her accused attacker faces trial.
VENTURA COUNTY, Calif. – When Makayla Rene Settles turned 18, she left Raleigh, North Carolina, for a fresh start. She moved to Moorpark, California, to live with her biological father, Stephen Vincent Chavez, with plans to attend college and build a new life. Two days after she arrived, her family says she called terrified and asking for help.
“It was just the fear in her voice, her crying. I didn’t need details. I knew something was wrong, and I said, ‘I’m on the way,’” said Carolina Sandoval, Makayla’s mother.
Carolina says she rushed to Chavez’s home. When she saw her daughter, she was devastated.
“She’s barely walking,” Carolina said. “My brother picks her up and hugs her.”
Makayla was taken to a hospital, where a rape kit was performed. According to the family, the results came back positive for Stephen Vincent Chavez’s DNA. He was arrested that same night and charged with incest, taking advantage of a position of trust, and providing alcohol to a minor.
Her cousin, Crystal Sandoval, was in disbelief. She said, “I was screaming, I was crying. I just kept thinking, why would he do that to her? This is something she could not come back from.”
Crystal was right. Five months later, Makayla Rene Settles died by suicide.
“If I’m being honest, it feels like I handed my daughter to the devil,” said Carolina.
On the night Makayla was taken to the hospital, Sandoval says Chavez sent her a text message. It read, “I’m never drinking liquor again. I don’t want that blackout to happen again.”
Now, the family says they’ve been dealt another devastating blow. According to Crystal Sandoval, the Ventura County DA’s Office has told them the case may not go to trial because Makayla is no longer alive to testify.
“The DA was essentially saying, ‘We don’t know if we have a case because she’s no longer here,’ and when she told me that, I immediately said, ‘No, we’re not going to let that slide,’” said Crystal.
Determined to get justice, Crystal took to social media. Her videos went viral, drawing widespread outrage and prompting hundreds to promise to show up to Chavez’s next court hearing, scheduled for April 21 at the Ventura County Courthouse.
“It was like he took her sunshine away and just kind of broke her soul,” Crystal said.
The Ventura County District Attorney’s Office issued the following statement:
“We have seen the posts online and want to let the public know that our Sexual Assault Unit continues to prosecute the defendant for this extremely serious crime. This case has been filed since July 2025, when the evidence supported the filing of felony charges. As with any case, prosecutors filed charges based on the evidence. The court sets bail. Our office successfully moved to increase bail to $250K in July 2025 when the case was filed. The defendant requested that bail be reduced, but we successfully argued against that. The defendant has since posted $250K bail and is out of custody. With respect to the upcoming hearing, the April 21 date is an early disposition conference. This is a standard pretrial proceeding where the court and parties address the status of the case and set future dates as appropriate.”
Despite that statement, the family says they have already been told a trial is not guaranteed, and they are not backing down. Chavez has pleaded not guilty. His next court hearing is April 21 at 8:30 a.m. in Courtroom 14 at the Ventura County Courthouse.
California
California’s leading GOP candidate for governor reacts to Swalwell’s exit from race | CNN Politics
California’s leading GOP candidate for governor reacts to Swalwell’s exit from race
Republican Gov. candidate Steve Hilton joins CNN’s Dana Bash after one of his opponents, Rep. Eric Swalwell, exited the California governor’s race amid sexual misconduct allegations. “We desperately need change. And no Democrat can provide that,” Hilton says.
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