Erin Stone
covers climate and environmental issues in Southern California.
Published September 18, 2025 5:00 AM
Some Altadenans say they face gaps of hundreds of thousands of dollars between what they expect in insurance payouts and what it will cost to rebuild.
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Julie Leopo
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LAist
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Topline:
A group of fire survivors with AAA insurance say they're facing an average gap of $300,000 between the payouts they are due and what it will cost to rebuild. So they're calling on the insurer to allow them to use money set aside to replace their personal property for their rebuilds without completing the full inventory of what they lost.
Why it matters: Homeowners who lost their homes in January’s fires still have to pay their mortgages, in addition to rent, while they remain displaced. Temporary housing insurance is meant to help cover rental costs, but as the year anniversary of the fires approaches, those payouts are quickly running out. Meanwhile, most survivors are still in the traumatic and exhaustive process of compiling lists of the personal items they lost when their homes burned down. While most have been paid 80% of what they’re owed for that insurance, they need to finish the list — and prove they’re going to re-buy much of it — to get the rest.
What's next: AAA has until the end of the month to respond to the policyholders' request.
Read on ... to hear from fire survivors about how this money would help them and to read AAA's statement.
Insurance is meant to be a safety net, but for thousands of survivors of the Eaton and Palisades fires, it’s become a major barrier to their ability to rebuild.
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Fire survivors call on AAA to release personal property payments to cover rebuild costs
Almost every major insurer — State Farm, AAA, USAA and the California FAIR Plan — has faced lawsuits alleging underinsurance, delays and inconsistent support in the wake of January’s devastation.
Now a group of fire survivors with AAA insurance say they're facing an average gap of $300,000 between the payouts they're due and what it will cost to rebuild. So they're calling on the insurer to allow them to use money set aside to replace their personal property for their rebuilds without completing the full inventory of what they lost.
“The question you have to ask yourself is what is the point of buying insurance if it's not actually going to rebuild your home?” said Andrew King, who lost his home in Altadena.
Andrew King's house in Altadena before the Eaton Fire.
“People are really trying to figure out if they're going to have enough money to rebuild, and so if this doesn't get resolved, the reality is you will see a deluge of people selling their homes,” King added.
The insurer has until the end of the month to respond.
The problem
Homeowners who lost their homes in January’s fires still have to pay their mortgages, in addition to rent, while they remain displaced. Temporary housing insurance is meant to help cover rental costs, but as the year anniversary of the fires approaches, those payouts are quickly running out.
Meanwhile, most survivors are still in the traumatic and exhaustive process of compiling lists of the personal items they lost when their homes burned down. While most have been paid 80% of what they’re owed for that insurance, they need to finish the list — and prove they’re going to re-buy much of it — to get the rest.
At the same time, for those who are starting to rebuild, their mortgage companies hold onto their insurance money until they reach certain milestones in rebuilding.
All of this means that a lot of the costs have to come out of pocket, forcing difficult choices for those who can’t wait on insurance payouts.
”What family is going to be able to do those things without burning through cash?” King asked. “ Are they going to take out debt more? Are they going to start cutting back on paying their mortgage and therefore just be foreclosed on? Are they going to eat less so their kids can eat?”
Nicole Wirth, who also lost her home in Altadena and faces an underinsurance gap of about $300,000, said getting the full payout for her personal property insurance money without having to complete a full inventory would be a lifesaver.
Her message to AAA: “You underinsured us. Now you’re making us kick and scream and do all this traumatic work” to get the personal property payout. Instead, she and others want the full amounts of personal property money they’re owed so they can use it to help finance their rebuild.
The costs of delays
At the same time, the longer it takes to rebuild, the higher costs are likely to be, as new federal tariffs hit and demand surges. Wirth and other survivors worry that their insurance gaps will only grow and push back their rebuild timelines.
Even for those who aren’t rebuilding, the gap is a barrier to starting their lives over.
Christie McIntire and her family relocated to Tennessee after the fires. After their home burned, they tried to find a place in the L.A. area they could afford to live with their two children and cats, but most rents exceeded their temporary housing coverage.
“ We essentially felt forced out of California,” McIntire said.
They did receive 80% of their personal property payout, but they’ve decided not to rebuild. Still, they can’t get the rebuild insurance money from their mortgage company, which they need to purchase a new home in Tennessee. In the trauma and stress of figuring out their next steps, they have yet to start their inventory to receive the rest of their personal property payout, which they need for a down payment on a new house.
It’s a Catch-22: AAA says they won’t pay them any additional money until they close escrow on that new home — but the McIntires need that money to close. And they need the personal property money they’re owed from AAA to help with a down payment.
“ They say it's incurred cost and … what if you go into escrow on a house and then you back out and go buy something cheaper? I'm like, why would we do that?” McIntire said.
Underinsurance by the numbers
A group of fire survivors took it upon themselves to survey 34 neighbors about their AAA insurance coverage. Here’s what they found:
On average, AAA coverage to rebuild a home in Altadena is $628,000.
On average, field adjusters told AAA policyholders it would cost $867,000 to rebuild, about 41% more than AAA’s coverage.
Contractor quotes averaged $928,000 for the surveyed survivors. The lowest contractor bid was $906,000.
A recent Department of Angels report found that just one-quarter of Eaton and Palisades fire survivors who suffered severe damage or total loss have had their claims fully approved. The most common issues include delays, denied claims, underpayments and complicated processes that stretch on for months.
Why so much underinsurance?
Two lawsuits filed in June against AAA and USAA allege widespread insurance fraud and the use of flawed software that doesn’t accurately calculate insurance costs.
AAA did not respond to detailed questions from LAist regarding how it calculates insurance coverage and if it might consider releasing personal property payments as policyholders have asked.
“At the Auto Club of Southern California, every claim is handled with care and attention, tailored to the unique circumstances of each member and guided by the terms of their individual insurance policy,” AAA spokesperson Doug Shupe said in an email to LAist. “Just as every home is different, so is every claim — and we treat them as such.”
Nicole Wirth and husband Michael with their dogs, Porkchop and Goose, in front of their home in Altadena before the fire.
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Courtesy Nicole Wirth
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That chronic underinsurance is why survivors like King, Wirth and McIntire say insurance should be more flexible — and that, in the case of total loss, personal property insurance should be paid out without requiring a detailed inventory. King said he already has a list with 2,500 lines and still isn’t finished.
There is precedent: Following 2017 North Bay wildfires, multipleinsurers — including parts of AAA, USAA, Farmers, Chubb, Allstate and Liberty Mutua — paid personal property coverage to fire survivors without requiring detailed inventories.
“If people cannot get their personal property coverage to pay for their homes, many of them will ultimately be forced to sell,” King said. “ What I'm hearing from nearly every survivor, including myself to some degree, is we are going to have to use the money to buy our stuff to actually rebuild our home. And most of us will be living in shells just because we need a place to live.”
Jordan Rynning
has been following this case for months, including interviewing the man at the center of allegations.
Published October 31, 2026 7:00 AM
Michael Angel Alvarez, 41, spoke with LAist on Sept. 16, 2026, about the federal body armor case against him being dismissed.
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Jordan Rynning
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LAist
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Topline:
The L.A. County District Attorney’s office dropped its felony body armor charges against Michael Angel Alvarez earlier this week. Alvarez was sentenced to time served on a lesser charge — a probation violation. He served more than 100 days in jail earlier this year while awaiting trial.
Most serious claims haven’t materialized: Though federal prosecutors made headlines claiming in court documents and on social media that Alvarez was “leading a violent street gang, while claiming to be a gang interventionist for the City,” they have not filed charges related to those claims.
The Los Angeles County District Attorney’s Office dropped its felony body armor charges against Michael Angel Alvarez on Wednesday. Alvarez was sentenced to time served on a lesser charge — a probation violation. He had served more than 100 days in jail earlier this year while awaiting trial.
Why Alvarez’s arrest made headlines: Alvarez was working as a city-contracted peace ambassador in MacArthur Park when he was arrested by federal agents in May. Federal and county prosecutors each brought felony charges against him, claiming he was in possession of body armor as a violent felon.
Bill Essayli, who leads the U.S. Attorney’s office in L.A., pointed to the case on social media to criticize city officials for allowing taxpayer money to be “shelled out to a convicted gang murderer.”
About his criminal record: Judges in federal and state court have now dismissed prosecutors’ felony charges against Alvarez, after U.S. District Judge Anne Hwang found on Sept. 9 that Alvarez did not have a violent felony conviction. Alvarez was 15 when he committed a gang-related murder. He was tried and convicted as an adult in 2002. After a change in state law increased the age at which minors could be sentenced as adults to 16, Alvarez’s case was sent back to juvenile court, and he was released in 2024. At that point, he had served more than 20 years.
A federal judge ruled Tuesday, Oct. 7 that Republican Bill Essayli is not legally serving as the top U.S. prosecutor in Los Angeles.
The ruling is the latest roadblock to the Trump administration’s effort to extend handpicked acting U.S. attorneys beyond the 120-day limit set by federal law. The strategy was designed to bypass confirmation by the U.S. Senate — something that generally requires a degree of bipartisan support.
Essayli “is unlawfully serving as a ‘de facto’ United States Attorney,” U.S. District Judge J. Michael Seabright wrote.
The order won’t take effect until the court rules on the government’s motion for a stay pending appeal. Essayli said he doesn’t agree with the court’s order. He said the president and Attorney General “have every right to select supervisors within the Justice Department.”
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Mariana Dale
explores and explains the forces that shape how and what kids learn from kindergarten to high school.
Published October 31, 2026 5:00 AM
Myrna Velasco (left) performs as Dolores Huerta in “¡Sí Se Puede!” at Boyle Heights City Hall on April 2, 2026.
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Carlin Stiehl
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LAist
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Topline:
An all-ages play about the life of Dolores Huerta and other under-told stories of the farmworker labor movement is back on tour in Los Angeles.
The backstory: Center Theatre Group commissioned ¡Sí Se Puede! from Eliana Pipes in March 2025 and it debuted in L.A. this spring. “There's this perception that farm work was only done by men,” Pipes said. “There were women on the fields, there were women on the picket lines, and there were women in leadership in the United Farm Workers movement.”
An all-ages play about the life of Dolores Huerta and other under-told stories of the farmworker labor movement is back on tour in Los Angeles.
The show's extension had been announced prior to the news that Huerta died Wednesday, Oct. 28., at her Bakersfield home. She was 96 years old.
“There's this perception that farm work was only done by men,” said playwright Eliana Pipes. “There were women on the fields, there were women on the picket lines, and there were women in leadership in the United Farm Workers movement.”
Center Theatre Group commissioned ¡Sí Se Puede! from Pipes in March 2025 and it debuted in L.A. this spring.
CSULA seeks memories from underground music scenes
Adolfo Guzman-Lopez
is an arts and general assignment reporter on LAist's Explore LA team.
Published October 31, 2026 5:00 AM
CSULA is seeking memorabilia from LA's underground music scenes for its research archives.
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Courtesy Special Collections and Archives, University Library, California State University, Los Angeles.
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Topline
There’s a whole world of underground Southern California music history that’s hidden in storage boxes — photos, fliers, cassettes and other memorabilia. Research librarians at the California State University, Los Angeles are holding a community archive event on Nov. 5 to ensure the cultural memory of L.A.’s underground music scenes are preserved for future generations.
Why it matters: The memorabilia are the physical remnants of the supportive L.A. communities built around music and enjoyment. But many of these objects languish out of sight, and run the risk of being lost, along with the memories attached to them.
Why now: For four years, archive staff have held an annual day to receive ephemera from the public. They're doing it again on Thursday, Nov. 5.
Read on… to hear how goth, rockabilly and other underground clubs in L.A. inspired the head archivist.
Right around the year 2000, there was a club night in Hollywood called Clockwork Orange. Fans of The Smiths, Depeche Mode, Bauhaus and other bands came for the DJ’s mix of their favorite songs but also for a vibe that welcomed people regardless of race, ethnicity or sexual and gender identity.
“I was a pretty shy person, and so that was a place where I could sort of be myself and express myself,” said Azalea Camacho, a regular there in those days.
She had just graduated from Workman High School in the City of Industry and was also clubbing at rockabilly music nights in Rosemead and goth club nights in downtown L.A.
Camacho said there was lots of memorabilia from those times, such as photos taken in and outside the clubs, ticket stubs and promotional fliers. They're the physical remnants of those supportive communities built around music and enjoyment, but many of them languish in shoeboxes and storage units, at risk of being lost — along with the memories attached to them.
Cal State LA has hosted Sounds of the Underground Archive for the last four years. It's an opportunity for people to donate their underground music scene memorabilia.
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Courtesy Special Collections and Archives, University Library, California State University, Los Angeles
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“I think the danger is maybe those stories are not being told, or people don't know about the story,” she said.
Keeping stories alive
More than two decades later, Camacho is now in a position to make sure those stories are kept alive. She’s head of special collections and archives at the university library at California State University, Los Angeles.
Four years ago, she and library staff created an annual day for area residents to donate or digitize memorabilia for their Sounds of the Underground Archive. This year it's on Thursday, Nov. 5. They’ll accept physical donations, but they’ll also have a scanner to digitize printed material, so people can keep items that are precious to them.
SOUNDS OF THE UNDERGROUND ARCHIVE
Date: Thursday, Nov. 5 Time: 2 p.m. – 5 p.m. Location: Cal State LA Library Community Room, 5151 State University Drive, Los Angeles
Camacho is hoping this year will bring in a bumper amount of memorabilia. It's taken time to get the word out, she said.
“From the actual community archiving day [we’ve collected] maybe 100 or less than 100 items. … It's not a lot,” she said.
She said they're on the lookout for a wide range of mementos, including:
Fliers
Handbills
Zines
Newsletters
Posters
Set lists
Photographs (prints, negatives or digital files)
Cassette tapes, CDs, or vinyl records
Ticket stubs
Wristbands
Band merchandise (stickers, buttons, patches, T-shirts)
DIY press kits or liner notes and correspondence (letters, emails, messages related to music scenes)
Venue or collective ephemera (membership cards, schedules, announcements and more)
