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The Brief

The most important stories for you to know today
  • Policyholders say they face large funding gaps
    A front yard with patchy grass and a center walkway that leads to charred remains of a home. Mountains can be seen in the background.
    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.

    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.

    Listen 0:50
    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.

    He is one of more than 200 survivors with AAA who recently sent a letter to the insurer asking for more flexibility.

    “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.

    A recent San Francisco Chronicle investigation into California’s major insurers also identified faulty algorithms as a reason for systemic underinsurance across the state. The Legislature recently passed several bills to address insurance and wildfire losses, as well. They now await Gov. Gavin Newsom’s signature or veto.

    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.”

    A man and woman, both middle-aged with light skin, stand smiling in front of a turqoise door. The blond woman holds a tan chihuahua. A black dog sits between them.
    Nicole Wirth and husband Michael with their dogs, Porkchop and Goose, in front of their home in Altadena before the fire.
    (
    Courtesy Nicole Wirth
    )

    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, multiple insurers — 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.”

  • Feds seized 15 around SoFi this weekend
    A green soccer pitch sits empty as some people begin to fill the stadium seats.
    A view of L.A. Stadium before the FIFA World Cup match between USA and Paraguay begins.

    Topline:

    The FBI seized about 15 drones flying near SoFi Stadium and L.A. Memorial Coliseum on Friday and Saturday for violating temporary flight restrictions.

    Why it matters: "No Drone Zones" have been put in place by the Federal Aviation Administration on match days at World Cup stadiums and venues hosting official fan festivals.

    The restrictions: Drones are prohibited at SoFi within a three-nautical-mile radius and up to 3,000 feet above ground level. They are also banned at the Coliseum for the official fan festival within a one-nautical-mile radius and up to 1,000 feet above ground level.

    The FBI seized about 15 drones near SoFi Stadium and L.A. Memorial Coliseum on Friday and Saturday for violating temporary flight restrictions, Amir Ehsaei, special agent in charge of counterterrorism and crisis response at the FBI's Los Angeles Field Office, told LAist. Multiple operators were cited.

    Stadiums hosting World Cup games and official fan festival venues are designated as "No Drone Zones" by the Federal Aviation Administration on match days.

    “We have a zero-tolerance policy when it comes to drones violating the temporary flight restrictions," Ehsaei said.

    He said drone detection teams are deployed at all SoFi games. "We will be out at other places depending on the nature — the size, the scope — [and] different intelligence that we'll get based on  threat assessments."

    Drones are prohibited at SoFi within a three-nautical-mile radius and up to 3,000 feet above ground level. They are also banned at the Coliseum for the official fan festival within a one-nautical-mile radius and up to 1,000 feet above ground level.

    Violators could face fines of up to $100,000 and federal criminal charges.

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  • Residents debate local impact
    a woman in a sweatshirt and jeans walks along a platform next to a train that says "E EAST LA"
    A woman exits the train at the Metro E Line Indiana station in East L.A. on April 15, 2025.

    Topline:

    Residents in East LA are weighing the promise of a new Metro E Line extension with concerns over construction disruptions, small-business impacts and whether more outreach is needed about the project.

    What is the project: The 4.7-mile extension of the Metro E Line would connect East Los Angeles to Montebello with four new stations. The project would relocate the existing Atlantic and Pomona station underground, and include a mix of underground, aerial and street-level track transit.

    Read on ... for more about the pros and cons locals see for the extension.

    Residents in East LA are weighing the promise of a new Metro E Line extension with concerns over construction disruptions, small-business impacts and whether more outreach is needed about the project.

    The 4.7-mile extension of the Metro E Line would connect East Los Angeles to Montebello with four new stations. The project would relocate the existing Atlantic and Pomona station underground and include a mix of underground, aerial and street-level track transit.

    The $7.9 billion project is expected to open for service between 2035 and 2037, according to Metro.

    Construction will begin in 2029 and last approximately eight to 10 years, pending full funding approval. It’s part of a wider plan to connect the E Line to the city of Whittier, though officials say the work will be built in two phases due to funding constraints.

    While officials say the project is intended to reduce traffic congestion and ease pressure on local roads, residents at a recent community meeting focused more on the immediate impact and communication.

    Concerns over construction and local impact

    “Thirty days for comment on a complex issue like this is ridiculous. … We need better outreach,” said East LA resident Clara Solis about a 30-day public comment period ending June 26.

    Solis and others also raised concerns about how construction could affect traffic and disrupt local commerce, pointing to past transit projects.

    “How is this going to impact the businesses? When the Gold Line went through, a lot of our businesses really suffered economically. We want to see a presentation on that. You should have a presentation just on how it’s going to impact the businesses,” Solis added.

    a series of interconnected dots and lines with city names and station names
    A map shows the Eastside Transit Corridor Phase 2 project will extend the E Line nearly nine miles east from East Los Angeles to the City of Whittier. ()
    (
    Courtesy Metro
    )

    Calls for broader outreach

    East LA resident Kristie Hernandez said community outreach for the project should also extend to people who do not necessarily live within the immediate 200-foot project radius.

    “We need to understand that folks who don’t necessarily live within that close proximity also frequent that area when they drive,” said Hernandez.

    Hernandez advocated for a 90-day public comment window and also called for presentations on underground infrastructure, especially in the wake of the East LA pipeline that was punctured during construction work in late May.

    “We do not want that to happen again,” she said.

    A promise for greater mobility

    Lucia Martinez spoke favorably about the extension plans, considering that she relies on buses to get around East LA to do her shopping. She said she looks forward to using the Metro to travel to the Citadel as well as to the hospital in Pasadena.

    “As an older woman who became aware of this project, I think it is amazing because I am someone who does not drive,” she said.

    LA Documenter Rafael Cazzorla contributed reporting for this story. LA Documenters trains and pays LA residents to take notes at local government meetings around Los Angeles. You can find meeting notes and audio at losangeles.documenters.org

  • Scientist celebrate FDA approval
    one hand with two bracelets around the wrist reaches up to apply sunscreen to another hand against a blue sky background
    A sunscreen ingredient used in Europe and Asia that blocks UVA and UVB rays has been approved for use in the U.S.

    Topline:

    For the first time in nearly three decades, the Food and Drug Administration approved a new chemical UV filter for use in sunscreens sold in the U.S. And that has many dermatologists cheering.

    Why it matters: The new ingredient is called bemotrizinol, and it has several advantages over the chemical sunscreen ingredients previously available in the U.S., says Dr. Heather Rogers, a dermatologist in Seattle and a fellow of the American Academy of Dermatology.

    The backstory: In the U.S., sunscreens are regulated as over-the-counter drugs rather than cosmetics, as they're classified in Europe. That means ingredients need to undergo rigorous testing for safety and efficacy before they can be approved for use in the U.S.

    Read on ... for four key things to know about this coming change.

    For the first time in nearly three decades, the Food and Drug Administration approved a new chemical UV filter for use in sunscreens sold in the U.S. And that has many dermatologists cheering.

    "This is a very big deal," says Dr. Heather Rogers, a dermatologist in Seattle and a fellow of the American Academy of Dermatology.

    The new ingredient is called bemotrizinol, and it has several advantages over the chemical sunscreen ingredients previously available in the U.S., Rogers says.

    "It hits like really every box for us that we have been waiting for as dermatologists and consumers," Rogers says.

    Here's what you need to know about this new ingredient and how it could lead to better sunscreens sold stateside.

    1. It blocks both UVA and UVB rays

    Rogers says in general, you want to use sunscreens that are broad spectrum, meaning they protect against both UVA rays — the longer wavelengths that cause premature aging and wrinkles — and UVB rays, which lead to sunburns. Both types of UV rays can cause skin cancer.

    She says the sunscreens currently sold in the U.S. do an excellent job of protecting against UVB rays, but the chemical UV filters available in sunscreens in the U.S. until now aren't as good at blocking out UVA rays.

    In general, chemical sunscreens sold in the U.S. rely on an ingredient called avobenzone to block out UVA rays, says Kelly Dobos, a cosmetic chemist who teaches at the University of Cincinnati.

    But avobenzone by itself isn't photo stable, meaning its protection can start to break down rapidly when exposed to sunlight. And as avobenzone breaks down, it can release molecules that lead to skin irritation, says Alexa Friedman, a senior scientist with the nonprofit Environmental Working Group, or EWG.

    By contrast, bemotrizinol offers protection against both UVA and UVB rays all on its own, and it is photo stable, so it breaks down more slowly, offering better protection, Rogers says.

    "So if you go a little longer than two hours to reapply your sunscreen, there will be more protection left," Rogers says. However, she says you should still reapply sunscreen every two hours.

    2. It's long been used in other countries 

    Bemotrizinol has been widely used in European and Asian sunscreens for decades. But it has taken 20 years for the FDA to approve its use in this country.

    That's because in the U.S., sunscreens are regulated as over-the-counter drugs rather than cosmetics, as they're classified in Europe. That means ingredients need to undergo rigorous testing for safety and efficacy before they can be approved for use in the U.S.

    "It's really expensive and time consuming," Dobos says. The European company DSM-Firmenich spent at least $18 million over more than two decades in its push to gain FDA approval for bemotrizinol.

    3. It has a well-documented safety profile

    However, all that testing means bemotrizinol has more safety data to back it up than any other chemical sunscreen ingredient currently approved in the U.S., says Friedman of EWG.

    "This ingredient is exciting because we have that data to support its safety," Friedman says.

    Friedman says animal testing showed bemotrizinol doesn't lead to concerns like reproductive harm, while clinical testing on humans found that it does not irritate the skin, even after repeated application over time, "which is hopefully how people are using sunscreens."

    And because bemotrizinol's molecules are larger, it's not readily absorbed by the skin and into the bloodstream, she says.

    That's important, because studies have shown that some of the other chemical sunscreen UV filters sold in the U.S. can be absorbed in the bloodstream, prompting calls for more safety data and leading to a backlash against sunscreen on social media fueled by misinformation. Rogers says that trend is concerning because skin cancer is the most common form of cancer.

    "We just need to have sunscreen that people will use, that they'll trust," Rogers says. "And this ingredient is going to allow that to happen. And that is very exciting."

    And bemotrizinol is also considered to be non-irritating, Friedman says. That should be welcome news to people who've been put off by chemical sunscreens in the past.

    4. It could lead to sunscreens that look better on you

    Until now, Rogers says, the only sunscreen ingredient available in the U.S. that offered the aforementioned advantages of bemotrizinol — photo stable, non-irritating, minimally absorbed into the skin and with good broad spectrum protection against both UVA and UVB rays — was zinc oxide.

    Both zinc oxide and titanium dioxide are mineral UV filters. Both chemical sunscreens and mineral sunscreens work by absorbing UV rays from the sun. Mineral sunscreens also reflect some UV rays. The bigger difference is that mineral sunscreens sit on the surface of the skin, while chemical sunscreens get absorbed into the skin, Rogers says.

    The downside of mineral sunscreens is that they can leave an unattractive white cast on the skin — think of lifeguards with white paste on their noses. "Particularly if you're a person of color, zinc is going to make you look pale, white or ashy, which really makes it hard to use on a regular basis," Rogers says.

    Bemotrizinol, on the other hand, is transparent on the skin, and because it protects against both UVA and UVB rays on its own, it doesn't have to be mixed with as many other chemical filters and stabilizers to achieve broad spectrum protection, Dobos adds. She says that should lead to more aesthetically pleasing, less greasy sunscreen formulations in the near future.

    "I think it's a real win for public health," Dobos says. "If we can make a sunscreen that consumers like to use and want to use and apply in the proper amounts, I think that's something that's really going to be a win for consumers."

    DSM-Firmenich has exclusive rights to market bemotrizinol in the U.S. for 18 months. It will be sold under the brand name Parsol Shield. The company says the first sunscreen products containing the ingredient should start hitting American store shelves around September.

  • DOJ approves Warner acquisition, CA pushes back

    Topline:

    The Justice Department yesterday approved Paramount's proposed $111 billion takeover of Warner Bros. Discovery.

    How we got here: The decision came after the DOJ concluded its antitrust investigation into the pending merger. The department said in a statement that it found that the deal posed no threat to competition or consumers of film, broadcast television or streaming.

    What's next: The decision clears the way for a merger of two rival Hollywood studio titans: Paramount, the owner of CBS, including CBS News, will swallow the much larger Warner, which includes HBO and CNN. But several states, including California, have raised antitrust concerns. The European Union is investigating as well.

    The Justice Department on Friday approved Paramount's proposed $111 billion takeover of Warner Bros. Discovery.

    After concluding its antitrust investigation into the pending merger, the department said in a statement that it found that the deal posed no threat to competition or consumers of film, broadcast television or streaming.

    The decision clears the way for a merger of two rival Hollywood studio titans: Paramount, the owner of CBS, including CBS News, will swallow the much larger Warner, which includes HBO and CNN.

    The DOJ''s Antitrust Division concluded that a union of two studio giants isn't anti-competitive because the streaming market has expanded the competition for conventional Hollywood studios, which includes Netflix, Apple and Amazon, as well as smaller streamers. The Justice Department's view is that, for the same reason, consumers won't lose out because there are plenty of other places to get entertainment.

    Several states, including California, have raised antitrust concerns. The European Union is investigating as well.

    California Attorney General Rob Bonta, who has been investigating the deal for antitrust violations, said in a post on social media following the Justice Department's approval: "The merger of Warner Bros and Paramount is not a done deal and remains under investigation by my office."

    In a statement following the decision, Paramount described the deal as "pro-competitive," and would result in "a stronger company better positioned to compete against dominant technology platforms in an industry increasingly defined by intense competition for audiences, talent, technology, and investment."

    The company said it planned to complete the merger as soon as possible, "delivering its benefits to consumers, creators, and the entertainment industry as a whole."

    The consolidation will put media mogul David Ellison — son of Oracle co-founder Larry Ellison — at the helm of Warner Bros. studio as well as its cable and streaming properties, including CNN and HBO. The Ellison family took over Paramount and CBS last summer.

    In the months leading up to the regulatory approval, critics in Hollywood feared the deal would consolidate an already concentrated media landscape and lead to fewer jobs and less creative content.

    In April, thousands of directors, actors, writers and other industry talent — including Kristen Stewart, Pedro Pascal and Javier Bardem — signed an open letter opposing the merger.

    The elder Ellison is also a financial backer and adviser to President Trump on artificial intelligence. Critics of recent changes at CBS under the Ellisons' control are concerned that, as they say has happened with CBS News, the acquisition would make CNN more friendly to Trump.

    NPR's Carrie Johnson and Mandalit del Barco contributed to this story.
    Copyright 2026 NPR