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The Brief

The most important stories for you to know today
  • Major insurer to step up coverage in California
    Single-family homes in a neighborhood with bare, tree-lined streets and a blue sky
    Single-family homes in Alameda on Jan. 12, 2023.

    Topline:

    After companies spent years fleeing California’s insurance market following catastrophic wildfires and inflation, some are now offering more coverage

    Why it matters: Beginning Saturday, the state’s second-largest homeowners insurance carrier said it will resume offering several types of coverage that have been closed to new customers in California for more than a year, including renters and condominium insurance. It will also bump up the number of new homeowners insurance policies it accepts each month from 7,000 to 9,500.

    Why now: Insurance experts said the move signals a reversal of the yearslong trend of insurers offering less and less coverage in California following catastrophic wildfires and spikes in inflation. It comes as insurance companies are anticipating an overhaul of state regulations

    What's next: As part of the new regulations, California will require insurers to increase the writing of comprehensive policies in “wildfire-distressed” areas and account for mitigation steps taken by homeowners, businesses and communities. In exchange, companies will be allowed to use forward-looking risk modeling that takes into account the effects of climate change when they are setting rates.

    In a hopeful sign for California’s beleaguered insurance market, Farmers Insurance has reopened some closed lines of coverage and start writing more homeowners policies.

    Beginning today, the state’s second-largest homeowners insurance carrier said it will resume offering several types of coverage that have been closed to new customers in California for more than a year, including renters and condominium insurance. It will also bump up the number of new homeowners insurance policies it accepts each month from 7,000 to 9,500.

    Insurance experts said the move signals a reversal of the yearslong trend of insurers offering less and less coverage in California following catastrophic wildfires and spikes in inflation. It comes as insurance companies are anticipating an overhaul of state regulations, known as the Sustainable Insurance Strategy, to be implemented any day now.

    Insurance broker and podcast host Karl Susman called it a “good-faith gesture on Farmers’ part” given the impending regulatory changes.

    “I think that what we’re going to see is every other carrier start following suit,” Susman said. “And at some point — I would like to think by the middle of next year — we won’t have quotas per se at all. We’ll just have the free and open market again.”

    As part of the new regulations, California will require insurers to increase the writing of comprehensive policies in “wildfire-distressed” areas and account for mitigation steps taken by homeowners, businesses and communities. In exchange, companies will be allowed to use forward-looking risk modeling that takes into account the effects of climate change when they are setting rates.

    Michael Soller, a spokesperson for the California Department of Insurance, said Farmers’ move was a positive step forward and “a clear sign that our reforms are having an impact.”

    The announcement from Farmers explicitly endorses the new regulations, which are awaiting final approval by the state Office of Administrative Law.

    “Farmers Insurance has decided to take these steps to increase coverage availability for California consumers because we recognize that the state’s insurance marketplace has indeed improved,” Behram Dinshaw, president of personal lines for Farmers Insurance, said in a statement. “In addition, with the impending implementation of Commissioner Ricardo Lara’s Sustainable Insurance Strategy in the coming year, we want to be well-positioned to provide even more coverage options to residents in the state.”

    Large carriers, including Allstate and State Farm, have dramatically pulled back from offering new or renewed coverage in California, seeking to limit their financial liability in a market with regulations they considered outdated and a threat to their bottom line.

    After Farmers’ announcement, Susman said he’s also seeing other insurance companies slowly open up the taps and offer more coverage in California again, noting that Mercury Insurance is “aggressively writing property insurance.”

    “And a lot of the less-known carriers that you might not recognize the names of, they’ve been writing fairly aggressively in California. They’re raising the limits of coverage that they were willing to take,” Susman said. “Maybe they were only taking coverage up to $1 million, and now they’re a million and a half or $2 million. So definitely … the tide is already turning.”

  • How to protect yourself
    A woman clutches her stomach in pain.
    Symptoms of norovirus include diarrhea, vomiting and nausea.

    Topline:

    One or two line overview of the story, should be sharp and to the point. If it's the only thing they read it should still give them good info.

    What’s new: Officials say over a three-week period ending Dec. 11, wastewater detection of norovirus increased by more than 250% countywide and 154% within the city of L.A.

    How it spreads: The virus is very contagious and is spread through direct contact with someone who has it, by eating contaminated food or by touching a contaminated surface, then touching your mouth. Symptoms include diarrhea, nausea and vomiting, and usually show up 12-48 hours after exposure. Children under 5 and older adults are more likely to experience more severe effects from the virus.

    How to protect yourself: Public health officials say people should:

    • Wash their hands frequently, especially before eating or preparing food or going to the bathroom
    • Wash fruits and vegetables and thoroughly cook shellfish
    • Clean infected surfaces with a bleach-based cleaner (alcohol won’t kill norovirus)

    The L.A. County Department of Public Health says cases of norovirus — or the stomach flu — are on the rise.

    Officials say over a three-week period ending Dec. 11, wastewater detection of norovirus increased by more than 250% countywide and 154% within the city of L.A.

    The virus is very contagious, and is spread through direct contact with someone who has it, by eating contaminated food or by touching a contaminated surface, then touching your mouth.

    Symptoms include diarrhea, nausea and vomiting and usually show up 12-48 hours after exposure. Children under 5 and older adults are more likely to experience more severe effects from the virus.

    How to protect yourself

    Public health officials say people should:

    • Wash their hands frequently, especially before eating or preparing food or going to the bathroom
    • Wash fruits and vegetables and thoroughly cook shellfish
    • Clean infected surfaces with a bleach-based cleaner (alcohol won’t kill norovirus)
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  • The award show will move to YouTube in 2029
    The 97th Academy Awards ceremony will take place Sunday, March 2. Above, Oscar statues are pictured ahead of the awards in 2022.
    ABC will air the Oscars through the 100th ceremony in 2028, according to Academy officials.

    Topline:

    The Oscars, the world’s most-watched awards show, will move its broadcast from ABC to YouTube starting in 2029, according to the Academy of Motion Picture Arts and Sciences. In Wednesday’s release, the multi-year deal will begin with the 101st Oscars ceremony and run through 2033.

    Why it matters: The Academy’s move is considered one of Hollywood’s biggest deals of the year. It ends a decades-long agreement between the Alphabet Network and the Academy.

    Why the move? “YouTube will help make the Oscars accessible to the Academy’s growing global audience through features such as closed captioning and audio tracks available in multiple languages,” according to Wednesday’s release.

    ABC's response: In a statement, ABC said it has been the proud home of the Oscars for more than half a century. "We look forward to the next three telecasts, including the show’s centennial celebration in 2028, and wish the Academy of Motion Picture Arts and Sciences continued success," the network added.

    Details on the deal: The red carpet coverage will be live and free to over 2 billion viewers globally. The Google Arts & Culture initiative will also digitize parts of the Academy Collection –the largest film-related collection in the world, according to officials. ABC will air the Oscars through the 100th ceremony in 2028.

    Go deeper… on what’s going on in Hollywood.

  • City Council approves hiring outside law firm
    Law enforcement officers stand in formation in an intersection. Some are holding guns. It's dark outside.
    LAPD creates a perimeter to move back anti-ICE protesters on San Pedro Street in Los Angeles.

    Topline:

    The Los Angeles City Council voted 11-2 to approve a request from City Attorney Hydee Feldstein Soto’s office to hire an outside law firm to aid the Los Angeles Police Department in its legal fight against local journalists.

    How we got here: In June, the Los Angeles Press Club and investigative reporting outlet Status Coup sued the police department for its treatment of journalists during anti-ICE protests. Judge Hernán Vera of the Central District Court of California issued an injunction in September restricting police use of force against journalists, writing that the protests presented “the latest chapter in a long and unfortunate saga of the LAPD’s use of unlawful force against members of the media.”

    The background: Ahead of October’s No Kings protest, the L.A. City Attorney’s Office filed an emergency motion on behalf of the LAPD asking the judge to lift the injunction, stating it should only cover journalists affiliated with the L.A. Press Club and Status Coup. The judge denied that motion.

    How the council voted: Councilmembers Adrin Nazarian and Monica Rodriguez voted against the request. Councilmembers Nithya Raman and Curren Price were absent for the vote.

  • Some Eaton Fire survivors are facing homelessness
    A man with medium-light skin tone stands in front of a fence with a plant poking through. He wears a black baseball cap with an upside down "LA." He has a gray beard. He smiles lightly at the camera.
    Gabriel Gonzalez moved to Altadena just a month before the Eaton Fire. He became unhoused after losing his apartment and small business.

    Topline:

    Community groups, including the Eaton Fire Survivors Network, and people who lost everything are raising the alarm about fire survivors experiencing homelessness — and many more who are at risk.

    The context: The majority of Altadenans affected by the fire have not yet been able to return home, and the financial challenges are piling up. Many are running out of insurance money for temporary housing, and some already ran out. Others were uninsured. Soon, mortgage forbearance for homeowners will end.

    One man's story: A year ago this month, a lifelong Angeleno — born in South Central, raised in the Valley — moved to Altadena with hopes of buying a house and growing his plumbing company. He lost his apartment and business in the fire and has been living in his car off and on.

    Read on ... to hear more of his story and to learn what a group of fire survivors is asking of Southern California Edison.

    Gabriel Gonzalez has been living in his car for most of 2025.

    It’s a struggle he’s kept hidden from most friends and family, not wanting to worry them after losing his apartment in the Eaton Fire in January. But the loneliness, the constant struggle of keeping it together, is getting to him.

    " It's difficult for me to ask for help because I don't like to be a burden," he said.

    Just one year ago, the lifelong Angeleno — born in South Central, raised in the Valley — moved to Altadena with hopes of buying a house and growing his American Pipe Dream Plumbing Company.

    Now, he's drained his savings and has been living mostly in his Ford Fusion sedan. The small business he built is gone. He's looking for a lifeline.

    Homelessness among fire survivors

    He's not the only one. Community groups, including the Eaton Fire Survivors Network, and people who lost everything are raising the alarm about fire survivors experiencing homelessness — and many more who are at risk.

    "Overnight, rents doubled and tripled across the region. Insurance coverage that was meant to last three years is being depleted in just one," said Joy Chen, who leads the fire survivors' group and spoke at a news conference Tuesday. "As that happens, families are facing eviction, overcrowding, or living in their cars."

    The majority of Altadenans affected by the fire have not yet been able to return home, and the financial challenges are piling up. Many are running out of insurance money for temporary housing, and some already ran out. Others were uninsured. Soon, mortgage forbearance for homeowners will end.

    Megan Katerjian, who runs Pasadena shelter Door of Hope, said 10 families who lost their homes in the Eaton Fire are currently living in the shelter. She said she's preparing to accept more fire survivors in the new year.

    “We know the cliff is coming. Families are running out of family resources, savings," she said.

    Many families who have come to the shelter for housing were previously saving money by living with relatives, or sharing a house with another family, she said. Many weren't formally on a lease and had no savings to lean on after the fire, let alone rental insurance.

    "So they're living in their cars. They're living in emergency shelters," Katerjian said. "They're shacking up in unsafe living conditions, and they come to us in those circumstances."

    Seeking help from Edison

    Chen, with the Eaton Fire Survivors Network, said Tuesday that Southern California Edison has the resources and should immediately offer financial support.

    The utility giant is facing a slew of lawsuits alleging its equipment sparked the Eaton Fire. Meanwhile, SoCal Edison has created a compensation package for survivors if they agree not to sue. The utility announced Tuesday that it had made its first payment.

    The fire survivors group is asking Edison to offer separate emergency housing relief of up to $200,000 a household for survivors, no strings attached, and recommending it get reimbursed later by the California Wildfire Fund — a $21 billion pool of money funded by ratepayers and investors that was established in 2019 to protect utilities, including Edison, from bankruptcy if they cause a fire.

    " We're asking for that money to come back to us," said fire survivor Zaire Calvin, "so we can get in our homes and people aren't living in their cars."

    Edison's chief executive has acknowledged that it's "certainly possible" that its equipment sparked the Eaton Fire.

    Edison spokesperson Gabriela Ornelas said survivors looking for housing relief should apply for the utility's compensation program, which she said includes 42 months of temporary housing assistance.

    "We're fully committed to helping the Altadena community recover," she said.

    Some on Tuesday said they felt pressured to take a bad deal with the utility to secure badly needed cash.

    Meanwhile, Gabriel Gonzalez is hoping for some help before the new year. A nonprofit gave him some cash for a rental this month, but it's running out Jan. 1.

    "As of the first, I'll probably be back in my car," he said.