Jacob Margolis
covers science, with a focus on environmental stories and disasters, as well as investigations and accountability.
Updated August 21, 2023 1:36 PM
Published August 20, 2023 3:07 PM
A car is partially submerged in floodwaters as Tropical Storm Hilary moves through the area on August 20, 2023 in Cathedral City, California.
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Mario Tama
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Getty Images
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Topline:
As predicted, Tropical Storm Hilary brought heavy rains to Southern California, particularly in the mountain and desert areas, which saw quite a bit of flooding and debris flows.
The forecast: Intermittent rain and thunderstorms are expected through Monday, but things should clear up my Tuesday.
Heaviest rainfall: Lewis Ranch in Los Angeles County saw 7.04 inches.
The storm formerly known as Hurricane Hilary has broken down and moved on to Nevada, leaving behind flooded roads, downed trees, stranded cars and soaked residents.
A city employee retrieves a propane tank from a flooded bridge as tropical storm Hilary makes landfall in Rancho Mirage, California on August, 20, 2023.
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JOSH EDELSON/AFP via Getty Images
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AFP
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As predicted, Southern California's first tropical storm to make landfall in 84 years hit the mountains, foothills and deserts the hardest.
ATTN Drivers, please stay off the roads, if able. This video was taken by our #Caltrans8 Cajon Crew team wearing a head camera of SR-2 and Sheep Creek. Flash floods, high winds and the rain are making it a big challenge for all. Please be patient while we work. pic.twitter.com/BFga3z6JMG
"It was uncharted territory as much for us forecasters as it was the public who found what we were saying pretty hard to believe," said Miguel Miller, a meteorologist with the National Weather Service. "We found it hard to believe ourselves, but we couldn't discount it. Couldn't deny it."
The latest
The center of Hilary passed over Los Angeles around 8 p.m. Sunday, though the heaviest rain fell between 2 and 6 p.m., dropping more than 1 inch per hour in some spots.
There have been no reports of any significant injuries or damage as of 8 a.m. Monday, though assessments are ongoing.
"We urge you to please be cautious of hazardous road conditions," L.A. Fire Chief Kristin Crowley said at a Monday morning news conference.
Cars are seen submerged in floodwaters on the Golden State Freeway as tropical storm Hilary moves through the area on August 20, 2023 in Sun Valley, California.
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Justin Sullivan/Getty Images
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Getty Images North America
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Still, the storm was felt across the region:
Flooding, debris flows, downed power lines and trees were all an issue. Swift water rescues were performed.
LAFD responded to 1,833 emergency incidents.
LAPD was dispatched to 97 traffic incidents.
At around 7:30 p.m. Sunday, five vehicles were stranded in a flooded intersection in Sun Valley and one person had to be rescued.
The Sepulveda Basin in the San Fernando Valley remains flooded. Streets in the area are closed.
Approximately 18,000 people were still without power as of 8 a.m. Monday, with the largest outage in Beverley Grove. Those in Pico Union, Brentwood and Hollywood remain impacted. More than 41,000 people lost power during the storm, mostly in metro areas.
There was extensive flooding in streams that feed the L.A. Aqueduct, but the infrastructure that delivers water to the city remains intact.
Across L.A. County, it was the San Gabriel mountains and the Antelope Valley that saw some of the heaviest bands of precipitation.
Oak Glen and Forest Falls in San Bernardino County also experienced significant debris flows.
Morning light revealing the scale of several mud slides in the San Bernardino mountain ranges including the one I documented in Forest Falls and a major slide that destroyed several cabs in Seven Oaks. Full video below #CAwx#Hilaryhttps://t.co/oEMR448S6cpic.twitter.com/1zre7HxsSr
Tents and belongings of unhoused people are seen near the rushing water of the Los Angeles River, near Griffith Park in Los Angeles, California on August 20, 2023.
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ROBYN BECK/AFP via Getty Images
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AFP
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Rainfall: The worst of the rain should taper off by early Monday, though the chance of showers and thunderstorms will remain through the rest of the day.
Wind: Winds will continue to die down as well. However, gusts as strong as 50 mph may blow through.
Surfers and beach goers watch the waves from broken sand berms in Long Beach, California, on August 20, 2023.
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ROBYN BECK/AFP via Getty Images
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AFP
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Cancellations and closures
Roads across the region are still closed. Click through to this Cal Trans map for details.
The following L.A. County school districts have closed for Monday:
LAUSD
Inglewood
Acton-Agua Dulce
Pasadena
Paramount
Saugus Union
William S. Hart Union High
Castaic
Newhall
Sulphur Springs Union
Westside Union
Eastside Union
Antelope Valley High
Lancaster
Palmdale
Rosemead
Hughes-Elizabeth Lakes Union (except for Gorman Elementary)
State beaches in Orange and San Diego counties are closed through Monday.
Parks across L.A. County are closed on Monday.
Joshua Tree is closed until Monday afternoon. Death Valley National Park and the Mojave National Preserve, which just saw its most destructive fire on record, is closed as well.
Shelters in L.A.
The city of L.A. is providing shelters to unhoused people at the following locations:
Echo Park Community Center 313 Patton St., Los Angeles 90026
North Hollywood Senior Center 5301 Tujunga Ave., Los Angeles, CA 91601
Lake View Terrace Recreation Center 11075 Foothill Blvd., Los Angeles, CA 91342
Central Park Recreation Center 1357 E. 22nd St., Los Angeles, CA 90011
Stoner Recreation Center 1835 Stoner Ave., Los Angeles, CA 90025
Lanark Recreation Center 21816 Lanark St., Canoga Park, CA 91304
South L.A. Sports Activity Center 7020 S. Figueroa St., Los Angeles, CA 90003 (Opening Sunday)
Glassell Park Recreation Center 3650 Verdugo Rd, Los Angeles 90065 (Opening Sunday)
Downed tree, power line or flooded road?
If you need to report a flooded road or a downed tree, you can call the following non-emergency numbers:
L.A. City: Dial 311 for a flooded road or downed tree. Call (800) DIAL-DWP if you see a downed power line.
As Hurricane Hilary approaches, it's important to have a safety plan in place. Advice from L.A. County Fire Department Chief Anthony Marrone:
Have an evacuation plan
Create an emergency supply kit
Have a backup battery for any essential medical equipment
Stay out of the ocean and floodwaters, and avoid moving water
Place sandbags around homes and apartments in areas prone to flooding
Never approach downed power lines
Watch out for falling trees and power lines
Boat operators: evaluate the storm forecast and impact on marinas and harbors
A detailed list of emergency kit items can be found at ready.lacounty.gov; there will be real-time emergency updates on the county’s emergency website, found on the county’s landing page: LA county.gov/emergency.
The context
The last time we were directly hit by a tropical storm was in 1939, when one made landfall in Long Beach, according to the National Weather Service in Oxnard.
While the track of this storm was unusual, the hurricane itself was not.
“So far this season has played out as expected,” said Jamie Rhome, deputy director of the National Hurricane Center.
Tropical cyclones regularly form off the coast of Southwest Mexico between May and November. While they usually track west out into the Pacific, they can head north toward Baja.
Sometimes they do indirectly affect Southern California. In September 2022, Hurricane Kay dropped more than 5 inches of rain on the area, causing flooding and damaging homes.
Erin Stone
is a reporter who covers climate and environmental issues in Southern California.
Published January 22, 2026 10:57 AM
As rebuilt houses in the Las Flores Mutual Water Company area restart water service, they could face a hefty charge. Here, a home under construction in Altadena last year.
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Myung J. Chun
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Los Angeles Times via Getty Images
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Topline:
Last year’s fires not only destroyed homes and businesses, but also critical infrastructure, such as water delivery systems. Rebuilding that infrastructure is particularly challenging in unincorporated areas such as Altadena, which is primarily served by three tiny, private water companies.
Why it matters: The Las Flores Mutual Water Company is one of those small companies — it has only about 1,500 customers, 75% of whom lost their homes in the Eaton Fire. In lieu of state and federal funds, residents will largely have to pick up the tab to rebuild needed infrastructure.
Why now: Las Flores is proposing a $50 monthly charge to customers over the next five years. The companywill present its final bill charge proposal and discuss consolidation with residents at 6 p.m. Thursday at the Altadena Public Library.
Last year’s fires not only destroyed homes and businesses, but also critical infrastructure, such as water delivery systems. Rebuilding that infrastructure is particularly challenging in unincorporated areas such as Altadena, which is primarily served by three tiny, private water companies.
The Las Flores Water Company is one of them — the company lost its two reservoirs in the Eaton Fire. And it has only about 1,500 customers, 75% of whom lost their homes in the fire.
“So we're basically running the company off of 25% of the revenue that we used to have,” John Bednarksi, president of the company’s board, told LAist.
The company is presenting its plans to address that shortfall at a meeting tonight. But rumors about the purpose of the meeting have been spreading online.
Bednarski said that to keep from going bankrupt, the company is proposing charging customers an extra $50 a month for the next five years, or they can pay the lump sum of $3,000 and the company will pay them back interest at the end of the five-year period. The charges will apply only to households with existing water service. As others rebuild and connect to the system, the charge will kick in.
The company is also looking to consolidate with one of the three other private Altadena water suppliers, Lincoln Avenue Water Company, which serves about 5,000 homes and businesses. The water companies have applied for funding from the State Water Resources Control Board to study whether they can merge.
L.A. County Supervisor Kathryn Barger, whose district includes Altadena, has publicly supported the idea.
“We have to keep the lights on at the company and keep the water company serving water because that's a primary utility for people,” Bednarski said. “But I also think that as we start rebuilding, we want to build back better than we were before.”
The company will present its final bill charge proposal and discuss consolidation with residents tonight. The proposals will not be voted on until a later date, Bednarski said.
If you go
What: Las Flores Water Company shareholder meeting on bill charge and consolidation
When: Thursday, Jan. 22, from 6 to 8 p.m.
Where: Altadena Library, 600 E. Mariposa St., 91001
“This is an added layer of burden,” he said. “ This comes at a really inopportune time for people in this recovery process.”
What is a mutual water company?
Mutual water companies are privately owned, mostly nonprofit utility companies.
Customers are shareholders of the company, and day-to-day operations and revenue decisions are overseen and voted on by a board that is elected by the shareholders.
Each mutual water company has its own set of governing bylaws, and is overseen by the State Water Resources Control Board.
Still, Whirledge said he understands the need to keep the company solvent and sees consolidation as a good long term solution.
“ I'm hoping that ultimately Altadena is going to be better served in the future, better served with stronger water infrastructure,” Whirledge said.
The big picture
Overall, the fires caused more than $2 billion in damage to infrastructure overseen by L.A. County — excluding the costs of restoring these small water companies, said Anish Saraiya, director of Altadena recovery for Barger’s office. And, he added, the total budget for the county Public Works Department, which serves all of L.A. County, is around $5 billion,
“Ultimately their pathway to restoration and recovery is going to be one that's going to require help from both state and federal governments,” Saraiya said.
“It is paramount that the county gets that funding,” Saraiya said. “It is going to take that kind of scale of assistance to help us rebuild this community.”
Such districts allow the county to dedicate a portion of future property tax revenue to rebuild infrastructure. It also allows the county to take out bonds or loans to finance the rebuild.
“ The next step for us is to build out the infrastructure plan and then also pursue the financing side of it to be able to generate revenues, either through bonds or through other creative financing strategies to get us the money we'd need,” Saraiya said, “ because these districts don't generate revenue until development starts to occur and homes are rebuilt.”
A year after LA fires, many are still going hungry
By Erin Rode | The LA Local
Published January 22, 2026 10:30 AM
Alexa Rodriguez lost her family’s Altadena apartment of 17 years in the fires.
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Erin Rode
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The LA Local
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Topline:
A year after the Palisades and Eaton fires, many Angelenos are still struggling to afford food and other basic necessities.
Some background: An October survey of 2,335 fire survivors commissioned by the Department of Angels found that 27% of those with incomes under $50,000 and 22% of those earning between $50,000 and $99,999 have had to cut back on food.
Why it matters: For many families, that tradeoff has become impossible. Before the Eaton Fire, “We had a place to stay, so if we had to spend our last money on food, then that was fine,” Danielle Valdes said at a recent “Come Get Some Event” by local non-profit Home of Kings and Queens, which runs a free weekly farmer’s market for Eaton Fire victims. Now, the family is juggling paying rent while trying to stretch their insurance money as far as possible so that “it can go towards housing or getting our way back to Altadena.”
Read on... for how survivors are relying on local food programs to feed their families.
The line of cars stretched a quarter-mile down Sierra Madre Villa Avenue in Pasadena. For hours, they inched into the parking lot, where volunteers filled trunks with bottled water, produce, diapers, toothbrushes — and, on this particular Saturday during the December holiday season, toys.
Pasadena Church became a distribution hub when the Eaton Fire began — and never stopped.
“People respond to crises… So everybody responded, all of the companies, all of the agencies, they all tried to do something. And then the resources started shifting,” Pastor Kerwin Manning of Pasadena Church said. “After a couple of months, all of the hype died down… It became apparent that those of us who were remaining were in it for the long haul.”
Cars line up outside Pasadena Church as Pastor Kerwin Manning and volunteers distribute food to families during a community distribution in December.
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Erin Rode
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The LA Local
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A year after the Palisades and Eaton fires, many Angelenos are still struggling to afford food and other basic necessities. An October survey of 2,335 fire survivors commissioned by the Department of Angels found that 27% of those with incomes under $50,000 and 22% of those earning between $50,000 and $99,999 have had to cut back on food.
Around half of those surveyed are making up the difference by “blowing through their savings and taking on debt,” Angela Giacchetti, head of communications at the Department of Angels told The LA Local. “And that’s not good, but there’s a smaller percentage, but an alarming number of survivors who are experiencing even worse outcomes… People are going without food. They’re skipping meals. They’re skipping medical care, they’re taking on extra jobs to make ends meet, they’re falling behind on their bills.”
For many families, that tradeoff has become impossible. Before the Eaton Fire, “We had a place to stay, so if we had to spend our last money on food, then that was fine,” Danielle Valdes said at a recent “Come Get Some Event” by local non-profit Home of Kings and Queens, which runs a free weekly farmer’s market for Eaton Fire victims. Now, the family is juggling paying rent while trying to stretch their insurance money as far as possible so that “it can go towards housing or getting our way back to Altadena.”
Local non-profit Home of Kings and Queens runs a free weekly farmer’s market for Eaton Fire victims.
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Erin Rode
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The LA Local
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For most people impacted by the fires, there is a significant gap between what was lost and what insurance and other aid has covered. A January survey from the Department of Angels found that 60% of survivors face a gap in coverage of at least $100,000, and for more than half of respondents, that amount exceeds their annual household income.
When it comes to these more severe hardships, “the disparity between white and nonwhite survivors is large,” according to the January survey. Black and Latino survivors are two to three times as likely as white survivors to have cut back on food or experienced other forms of severe hardship, such as falling behind on rent, mortgage, or utility bills, relying on food assistance, or experiencing homelessness. Single parents and renters are also experiencing these challenges at higher rates.
For Alexa Rodriguez, losing her family’s Altadena apartment of 17 years pushed them over the edge. Rodriguez landed in a Pasadena apartment with her two teenage children after the fire, but now pays $800 more a month. As a renter, she didn’t receive insurance money for temporary housing, and has struggled to piece together financial support. “To get back on your feet it might take a year or two, the first month I did get help, but since then I’ve been on my own,” Rodriguez said, who takes the bus to the Home of Kings and Queens’ distributions every week.
In the weeks after the fires, events like those at Pasadena Church were a common scene. Brandon Lamar, founder of Project Passion, said he once counted more than 30 separate distribution events in the area on a single Saturday.
Now, the weekly events at Pasadena Church (a collaborative effort with Project Passion and other partners) are among the few remaining regular distribution events for people impacted by the Eaton Fire. Lamar calls it “the longest-lasting distribution hub in our community.” Project Passion also offers an appointment-only free store every Monday and Tuesday.
“People told us early on that this might change in the long haul, because when people get settled and things of that nature, but what we’ve started to see is that the need has actually increased, but the donations have decreased,” Lamar said.
Some national organizations that were on-the-ground immediately after the fires have moved on. FEMA ended its in-person presence in October (although virtual support is still available). And some local groups that pivoted to provide support after the fires have also returned to their usual focus areas. The remaining food distributions are mostly run by residents of the fire-impacted communities, according to Giacchetti.
As direct aid has slowed, some have also turned to longstanding food programs. Foothill Unity Center, which offers six weekly food distribution events for residents across 12 foothill communities (including Altadena and Pasadena), saw about six times as many people in 2025 versus 2024, according to Julie Swayze, director of advancement and institutional giving at the nonprofit.
Foothill Unity Center offers six weekly food distribution events for residents across 12 foothill communities, including Altadena and Pasadena.
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Erin Rode
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The LA Local
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Many fire survivors are “likely to face years of deficits” before they can recover financially, according to the Department of Angels report. A year after the fire, Manning and Lamar believe they’re seeing increasing need.
Finding new work, rebuilding a home or securing housing all takes time, Manning said, complicated by factors like paying higher rent or running out of insurance for temporary housing. That’s why he believes in supporting people through the “middle passage” of recovery. When members of his congregation ask how much longer the church’s parking lot will be a food distribution hub, he gives a one-word answer: “Until.”
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<i>Warner Bros. Pictures; NEON; Scott Garfield/Warner Bros. Pictures/Apple Original Films; Warner Bros. Pictures</i>
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Topline:
Oscar nominations are out, kicking off seven weeks of conversations about what the Academy got right (and wrong) today and predictions about what voters might still get wrong during the awards on March 15.
Sinners dominates: Before this year, no movie had ever gotten more than 14 Oscar nominations. This year, Ryan Coogler's brilliant vampire story Sinners bested that by two, landing 16 nominations. If it had been 15, you could argue that the new category honoring best casting (in which Sinners, yes, was nominated) was the difference. But with 16, that's a straight-up record-breaker.
Strong showing for non-English films: Four non-English language acting performances were nominated this year, three from Norway's drama Sentimental Value (Inga Ibsdotter Lilleaas, Renate Reinsve and Stellan Skarsgård) and one from the Brazilian political thriller The Secret Agent (Wagner Moura). That's a record. Both of those films were nominated for best picture as well, which continues the pattern from recent years of non-English-language films like Parasite, I'm Still Here, Emilia Pérez, Drive My Car and others earning nominations in the top category.
Franchises lose steam: The first Avatar received nine Oscar nominations; the second, Avatar: The Way of Water, received four; this morning, the third, Avatar: Fire and Ash, received only two, for costume design and visual effects. A year ago, Wicked received 10 nominations; this year, Wicked: For Good received zero. Avatar: Fire and Ash still made a mountain of money and Wicked: For Good made plenty, but the one-two punch of big box office and awards sparkle has worn off for both.
Oscar nominations are out, kicking off seven weeks of conversations about what the Academy got right (and wrong) today and predictions about what voters might still get wrong during the awards on March 15.
Sinners dominated, followed by One Battle After Another
Before this year, no movie had ever gotten more than 14 Oscar nominations. Three films — All About Eve, Titanic and La La Land — shared the top spot. This year, Ryan Coogler's brilliant vampire story Sinnersbested that by two, landing 16 nominations. If it had been 15, you could argue that the new category honoring best casting (in which Sinners, yes, was nominated) was the difference. But with 16, that's a straight-up record-breaker. Of course, nomination numbers do not always equal wins, let alone wins for a big category like best picture.
One Battle After Another, with 13 nominations, is also formidable on numbers alone. But Sinners was nominated in every category in which it was competing, which is a stunning accomplishment. Since each branch of the Academy votes on its own nominees (and everyone votes for best picture nominees), that suggests that the film has strong support across every single group of Oscars voters. And it's fair to ask: If every element of a movie is top-notch, from its design to its performances to its script to its music, how does it not deserve to be best picture?
Non-English language features continued their strong showing
Four non-English language acting performances were nominated this year, three from Norway's drama Sentimental Value(Inga Ibsdotter Lilleaas, Renate Reinsve and Stellan Skarsgård) and one from the Brazilian political thriller The Secret Agent(Wagner Moura). That's a record. Both of those films were nominated for best picture as well, which continues the pattern from recent years of non-English-language films like Parasite, I'm Still Here, Emilia Pérez, Drive My Car and others earning nominations in the top category. Consider this: 10 such best picture nominations happened between 1938 and 2017; 12 have now happened between 2018 and 2026. (On the other hand, it's worth noting that the highly-regarded Korean movie No Other Choice from filmmaker Park Chan-wook was shut out, disappointing its many supporters.)
F1 overperformed
The car-racing movie F1, which felt a lot like a promotional film for F1 racing itself, received what will be, for some, an eyebrow-raising best picture nomination in addition to nominations for editing, sound and visual effects. Both the Broadway drama Blue Moonand Iranian thriller It Was Just An Accidentreceived original screenplay nominations, Blue Moon landed a lead actor nomination for Ethan Hawke, and It Was Just An Accident was nominated for best international feature (for France, which submitted it); neither appeared on the best picture list. People really like cars going vroom vroom, apparently.
New Avatar and Wicked stories lost steam
The first Avatar received nine Oscar nominations; the second, Avatar: The Way of Water, received four; this morning, the third, Avatar: Fire and Ash, received only two, for costume design and visual effects. A year ago, Wicked received 10 nominations; this year, Wicked: For Good received zero. Avatar: Fire and Ashstill made a mountain of money and Wicked: For Goodmade plenty, but the one-two punch of big box office and awards sparkle has worn off for both.
Diane Warren is Diane Warren, now and forever
The least-surprising possible news on Oscar nomination morning is a nomination for Diane Warren, who received her 17th nod, this time for the song "Dear Me" in the documentary Diane Warren: Relentless. She has never won — except for an honorary award in 2022 — which perhaps makes her the Susan Lucci of best original song, in honor of the All My Children actress nominated 21 times for a Daytime Emmy for playing Erica Kane. But one fact should be foremost in the mind: Susan Lucci eventually won. Yes, it took until her 19th nomination, but it happened. This year, Warren is nominated for a song she wrote for a documentary about herself; wouldn't it be fun if this were her year? If not, she should not lose heart, because let's be real: She will be nominated again next year.
Gravel covers a five-foot non-combustible buffer in front of a model home in the Dixon Trail neighborhood of Escondido.
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Adriana Heldiz
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CalMatters
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Topline:
As fire survivors continue to navigate life after disaster, California lawmakers roll out new bills attempting to further regulate insurance companies like State Farm.
Why it matters: Survivors and community organizations that have formed after the fires have asked their local and state elected officials for help in dealing with these varied issues. Some of the bills introduced in response to survivors’ experiences include attempts to address the transparency and timeliness related to insurers’ handling of fire claims.
More stringent requirements for insurers: Senate Bill 876 is a wide-ranging bill that seeks to make various amendments to the state’s insurance code.
Read on... for more new bills.
Jen Egan is still dealing with the aftermath of the Palisades Fire that damaged the home of her 83-year-old father, Paul, last January.
That has meant more than a year of going back and forth with State Farm, which has assigned three different claims adjusters to their case. Egan also hired a public adjuster to help her navigate the process, who she says has been a “saving grace.”
Egan and her father have received some payouts and are preparing to make repairs to the home. But this week, they received an estimate for compensation that falls tens of thousands of dollars short of what Egan said they have already paid out of pocket to address a brush violation issued by the fire department, and to conduct soil testing.
She is growing more frustrated. “No one’s asking for a new jacuzzi,” Egan said. “We want my father to be able to return to a safe and habitable home.”
Stories like the Egans’ are all too common after last year’s deadly Los Angeles County fires. State Farm says it has paid $5 billion so far on more than 13,500 claims. But survivors express frustration over insurers’ poor and delayed communication.
State Farm customer Rebecca McGrew has no outstanding complaints about her claims after her Altadena home burned down — except that she was “drastically under-insured by hundreds of thousands of dollars.” Many others like her have realized — too late — that their insurance payouts won’t cover all of their rebuilding costs.
Survivors and community organizations that have formed after the fires have asked their local and state elected officials for help in dealing with these varied issues. Some of the bills introduced in response to survivors’ experiences include attempts to address the transparency and timeliness related to insurers’ handling of fire claims.
More stringent requirements for insurers
Senate Bill 876 is a wide-ranging bill that seeks to make various amendments to the state’s insurance code. They include getting insurance companies to share their disaster-recovery plans with the insurance department; doubling penalties from $5,000 to $10,000 for each violation of fair claims practices during declared emergencies; and requiring insurers to notify policyholders within five days when they’re assigned a new adjuster.
In addition, the legislation, proposed by new Senate Insurance Committee Chair Steve Padilla and sponsored by Insurance Commissioner Ricardo Lara:
Expands policy limits for required payments for additional living expenses by 100% in case of a total loss.
Requires upfront, cash-value payments be made within 30 days of a contract to buy or rebuild a home.
Requires insurers to offer extended and guaranteed replacement cost coverage when writing policies.
Applies building-code upgrade coverage at the time of a rebuild.
“People need a sense, particularly when they face tragedy, that the underwriters they’ve relied on and paid into for decades, will want to help and not get in the way (of recovery),” said Padilla, a Democrat from Chula Vista, in an interview with CalMatters.
He acknowledged that the insurance industry will have objections to his bill, but said the companies know that they need to provide adequate coverage for the health of the insurance market.
Padilla is right about the industry’s opposition. “It appears these measures would worsen the current affordability and availability crisis for Californians just as we are starting to implement the Commissioner’s Sustainable Insurance Strategy to restore a healthy and competitive market,” said Seren Taylor, vice president at Personal Insurance Federation of California, in an email.
Lara’s strategy, which went into effect last January just days before the L.A.-area fires, aims to get insurance companies to start writing policies in the state again, especially in areas at high risk of fires. Many insurers had pulled back from the state in the past few years, complaining of increasing fire risks and state regulations that they said slowed down their ability to match prices to those risks.
Tornadoes and drones
Meanwhile, Senate Bill 877 would require insurance companies to provide claims-related documents to policyholders within 15 days. Co-authored by Democratic Sens. Sasha Renée Pérez of Pasadena and Ben Allen of El Segundo, the legislation would also require insurers to disclose changes to repair estimates, who approved them and why.
Senate Bill 878 would require insurers to pay interest of 20% annually if they fail to meet deadlines for claims payments. The bill, also written by Pérez and Allen, will compel companies to submit to the state’s insurance department a report, signed by a corporate officer under penalty of perjury, that shows the company’s compliance with prompt payments requirements.
In the Assembly, lawmakers plan to introduce bills that will “continue to make sure we have oversight (of insurers),” said Assemblymember Lisa Calderon, the Los Angeles-area Democrat who also chairs the Assembly Insurance Committee, in an interview. She said she expects bills to address strengthening and modernizing the FAIR Plan, as well as mitigation efforts for natural disasters.
She mentioned that California has to deal with fires, floods, earthquakes and, last year, something rare: “Last year, we had two small tornadoes in urban Los Angeles. I can’t remember another year when it’s happened.”
A large housing development near Pittsburg on Sept, 2, 2021.
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Anne Wernikoff
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CalMatters
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Calderon is trying again to regulate insurers’ use of drone images by introducing Assembly Bill 1559. Her similar effort last year passed the Assembly and made it through some Senate committees but ultimately didn’t advance. This year’s bill would require companies to notify consumers about when they plan to take aerial images of their properties; ban insurers from ending coverage based on drone images taken more than 180 days before sending notice of that decision to policyholders; and require companies to provide the images to policyholders, allowing them to dispute accuracy and to take action if needed before having their policies terminated.
“We’ve been hearing from consumers that they’ve been blindsided by these images that were inaccurate,” she said. “I believe homeowners should have the right to request an in-person inspection.”
She also intends to introduce legislation to implement recommendations from a forthcoming report about the California Wildfire Fund that she expects to include provisions related to the availability and affordability of property insurance in the state.