The Brief

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For the first time since California insurance commissioner became an elected position, two Democrats will vie for the job in November.

The top two vote-getters in the June primary were former San Francisco Board of Supervisors member Jane Kim and state Sen. Ben Allen, who received about 27% and 20% of the vote, respectively. One of them will succeed Ricardo Lara, the former Democratic lawmaker who has served two terms as insurance commissioner. Lara has presided over the Insurance Department in the past eight years, during which the state saw its deadliest and most devastating fires.

Kim or Allen will be taking on complicated, enormous challenges that have implications for local communities, people’s ability to buy homes and start businesses, and the state’s economy.

In the past few years, insurance companies stopped writing new policies or renewing old ones, especially in high-risk areas, citing increasing wildfire risk from climate change and inflation that followed the COVID-19 pandemic. This caused homeowners to turn to the last-resort FAIR Plan, which is mandated by law to provide fire insurance. The plan, run by an alliance of insurers, has grown to more than 684,000 policies in force as of March, an increase of 152% since September 2022. It has warned about its ability to keep paying claims after major disasters.

Proposition 103, a law approved by voters in 1988, means that among many other things, the elected commissioner has the power to approve rate increases. It has kept the state’s rates from rising too much over the years — Californians’ homeowners insurance premiums have hovered around the middle of the pack nationwide — but that could change. Last year, the commissioner put in place regulations that include new factors insurers can use when setting their premiums, such as catastrophe modeling and reinsurance costs. Some companies have applied for and received approval to raise their rates, so they’re starting to write policies again.

Keeping insurance available but affordable will be the most pressing issue for either Kim or Allen, whose responsibilities will also include regulating auto, pet and some aspects of health insurance, plus workers’ compensation.

Another problem that will need plenty of attention: making sure insurance companies pay their claims in a timely manner that helps communities to rebuild. The L.A.-area fires shed a light on insurer practices that delay and deny claims, as well as underinsurance and the lack of standards for smoke damage, which have held up recovery. Pending legislation — such as those authored by Allen, whose district was hit by the fires last year — and lawsuits will address some of those issues. Well-organized fire survivors who called for Lara’s resignation over his department’s response to their concerns will surely keep up the pressure on his successor.

Here’s a look at each candidate’s record and how she or he would approach the job, based on their interviews with CalMatters and what they have said publicly, including at candidate forums.

Jane Kim

Kim’s proposal to create “natural disaster insurance for all,” inspired by a program in New Zealand, has gotten a lot of attention. She plans to fund such a system with a portion of policyholder premiums that insurance companies would collect and divert to the state. The state would then guarantee fire and flood coverage, while insurance companies would continue to cover other risks.

Naysayers, including consumer advocates, wonder why she hasn’t released any specifics about how much capital such a fund would require. Kim told CalMatters that it would need to be studied, but that at its core her proposal would generate revenue.

Opponents of her proposal also say it’s a bad idea to shift catastrophic burden onto the state, pointing to what they say is the failure of splitting off earthquake insurance from homeowner insurance — most California homeowners now have no insurance coverage.

“We (taxpayers) already are on the hook,” Kim said. “When insurers and utilities refuse to pay, they just pass it on to us anyway. Sharing the risk is important.”

Kim also told CalMatters that an idea Merritt Farren, a Republican candidate for commissioner, proposed — that the state create a reinsurance authority to encourage insurers to write policies in the state — “may turn out to be a more efficient model.”

Among Kim’s shorter-term priorities if she wins:

• Create public dashboards to show how insurance companies are spending policyholder premiums, and that show their record on claims.
• Expand eligibility for a program that provides low-cost insurance to drivers who make less than $38,000 a year. 
• Tie a company’s ability to sell auto insurance in the state to its willingness to write homeowner policies.
• Make the FAIR Plan more transparent by requiring that its list of board members be public, and that its board meetings be public.
• Freeze rates when policyholders file claims.

The former San Francisco elected official, an attorney, touts among her accomplishments free community college for the city’s residents; the first $15 minimum wage ordinance in the state; and a tenant-protection ordinance to avoid unjust evictions. She worked as the California director for Sen. Bernie Sanders’ 2020 U.S. presidential campaign and most recently as California Director for the Working Families Party.

Kim has a long list of endorsers, including many unions such as SEIU California. Besides Sanders, another U.S. lawmaker, Rep. Ro Khanna of Silicon Valley, has also endorsed her.

Ben Allen

The state senator, who will be termed out of the Legislature, wants to bring together the state, insurers, builders, local governments and firefighters to work on risk-reduction strategies.

“I think that's ultimately going to be the way that we get ourselves out of this mess,” he told CalMatters.

What he calls a comprehensive approach includes thinking about where people live and build: “We shouldn't be building new construction that is irresponsible in high-risk areas. We should be looking for ways to carefully and sensitively encourage people to pull back from high-risk areas.”

If he wins, Allen’s other plans include:

• Create a consumer advocate position within the insurance department, and increase staff to handle customer service. 
• Require insurers to explain claim denials and provide real-time reports of delays and outstanding claims after a disaster.
• Increase oversight of the FAIR Plan and make sure it complies with commissioner orders.
• Ban the insurance commissioner and staff from working for the industry immediately after they leave the department.

Allen has played up his experience as a legislator, including writing and passing bills related to holding insurance companies accountable. For example, a law he wrote now requires insurers to pay 60% of policyholders’ contents coverage without a detailed inventory, and gives consumers more time to provide that inventory. He also touts writing Proposition 4, the bond measure approved by the state’s voters in 2024 “for safe drinking water, wildfire prevention and protecting communities and natural lands from climate risks.”

Other pending bills authored by him include one that would require insurers to give homeowners 90 days notice before they intend not to renew their policies, along with a clear explanation. Another would penalize insurance companies that fail to correct their practices after the insurance department finds that they have violated laws and regulations.

Allen also has many endorsements, including the two leaders of the state Legislature, Senate Pro Tem Monique Limon and Assembly Speaker Robert Rivas. U.S. Sens. Adam Schiff and Alex Padilla, both from California, unions and the Consumer Federation of California also endorse him.

This article was originally published on CalMatters and was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license.

That ocean breeze is just not cutting it in schools in Torrance and Long Beach as Southern California reels from a heat wave.

Parents have taken to social media, created petitions and are proposing a bond measure in order to address the sweltering classrooms as temperatures hit triple digits in some areas.

Only 25% of Torrance Unified classrooms have air conditioning, according to a district spokesperson. And while 90% of Long Beach Unified schools have air conditioning, the schools without air conditioning have to bear this heat spell until the end of 2027 when new air conditioning will be in all classrooms.

What are schools doing to beat the heat?

In Long Beach, the district says there are portable fans in classrooms without AC and the district has installed heat-blocking window covers.

"The things that we do immediately and have been doing for several years, hydration stations,” Keith Butler, the deputy superintendent at TUSD, told the school board early this week. “So our nutrition services freezes blocks of ice, puts them into containers with water, and students are — and staff are able to rotate through and at least get ice water.”

There is also a classroom rotation system so everyone gets a turn in cooling zones, he said.

Can schools close on extreme heat days?

Eric Mitchell, a spokesperson for LBUSD, told LAist, “The District will not close schools because of extreme weather unless the City of Long Beach Public Health Department or a state-authorized emergency response agency directs it.”

Baillie echoed his words adding that a state-declared emergency allows schools to close temporarily without needing to make up teaching time. School funding is dependent on attendance and instructional time.

If a local emergency is declared, school districts, she said, must consult with labor unions to adjust the school schedule to either extend the school year or move to a student-free professional development day.

“Our district is actively discussing creating union-approved ‘weather days’ that would provide a mechanism to adjust the schedule,” Baillie said. “Thresholds would be part of that discussion and might focus on when national weather alerts elevate a heat advisory to an extreme heat event, as they did this week.”

So how can Torrance get ACs in the classroom?

School districts like Torrance pay for facility upgrades like new ACs through district issued bond measures. A school district takes a loan and the people in that city pay back that loan through an increase in their property taxes. That is because there is no specific state allocation of funding for major upgrades or construction. Most of the money schools get from the state is spent on instruction and other student services. There have been some occasional grant programs, like CalShape, but no ongoing source of funding.

This week, a petition to get TUSD to place a bond measure on the ballot to fund ACs has already garnered over 1500 signatures.

But, Baillie said, “Third-party polling completed earlier this year showed a willingness to vote for additional future bonds; however, when specifically asked about the costs of specific bonds to fund the $520 million needed to upgrade the electrical systems and install AC at all 34 campuses, polling showed there would not be enough support (bonds require 55% +1 of voters in an election) to pass a bond for AC.”

And so the bond measure was not placed on the upcoming ballot.

Butler, the deputy superintendent, explained during this week’s school board meeting that parents cannot simply donate an AC unit.

“ One [reason] is it's not super effective to have a typical window unit from a home that would be trying to cool a 960 sq. ft. classroom with 27 students and a teacher, maybe an instructional aide,” he said. “But the bigger issue is the ones that are large enough to really do that, the room has to have a large electrical load, and our electrical system within our buildings where most of them were built in the 1960s, it's just not meant to handle what it does.”

LAist reporter Mariana Dale contributed to this article. 

The Orange County District Attorney’s Office is hosting a buyback event Sunday where people can exchange their e-bikes and e-motorcycles for up to $1,000 in gift cards. The goal is to reduce the number of illegal bikes on the road, and give parents an incentive to get dangerous vehicles out of kids’ hands.

“These vehicles are not child’s play, and the consequences are incredibly dangerous and increasingly deadly,” DA Todd Spitzer said in a news release announcing the event.

Communities in Orange County have been grappling with a surge in e-bikes and e-motos on the road, including among young kids, and an accompanying increase in serious crashes.

“Our area has pretty much the highest concentration of e-bike injuries and e-bike accidents in the country,” said Dr. Tetsuya Takeuchi, the trauma medical director at Providence Mission Hospital in Mission Viejo.

Takeuchi said  just over 70% of the children treated at the hospital for e-bike injuries had some level of head injury, “from a simple concussion to devastating brain damage, brain bleed and skull fracture."

A lot of those injuries are among teenagers not wearing helmets, he said. Plus, many e-bikes on the market are too heavy and fast for children to control, Takeuchi said.

Besides safety concerns, tensions have flared with other drivers, pedestrians, and neighbors in areas with heavy concentrations of e-bikes.

Newport-Mesa Unified School District became one of the first districts in the country this year to restrict e-bikes to high school campuses only. District leaders say the policy is working to disincentivize young students from riding e-bikes to school. But at one middle school, students with e-bikes have opted to ride them anyway, parking in the surrounding neighborhood and raising the ire of homeowners.

The DA’s approach

The DA’s office has started to target parents who allow their children to ride e-bikes and e-motorcycles that have been illegally modified for high speeds, sometimes with deadly consequences. In April, the district attorney filed child endangerment charges against a mother from Aliso Viejo after her 14-year-old son struck and killed an 81-year-old man while doing wheelies in the street in Lake Forest. The boy was riding an e-motorcycle souped up to reach 60 mph.

Details of the buyback program

The e-bike and e-motorcycle buyback program is part of the DA’s plan to address safety concerns with e-bikes. Local police departments, hospitals and the California Office of Traffic Safety will also be onsite with information booths.

People can bring in functioning or non-functioning e-bikes, e-motorcycles, e-scooters and pocket bikes and exchange them for gift cards worth up to $1,000 — while supplies last.

The event takes place from 10 a.m. to 1 p.m., Sunday, Sept. 13, at Angel Stadium in Anaheim.

An appeals court issued a ruling Friday that strikes down a federal government effort to block a lower court’s order requiring the construction of 2,550 new housing units on the Veterans Affairs campus in West Los Angeles.

The long-running case, brought forward by disabled veterans struggling with homelessness in the L.A. area, has centered on the use of the sprawling 400-acre VA campus.

U.S. District Judge David O. Carter had previously scrutinized leases for the private Brentwood School’s athletic facilities, a parking lot company, an oil drilling enterprise and UCLA’s baseball stadium.

Ruling that the campus was meant to aid veterans, Carter ordered the VA to not renew the leases and quickly build 750 units of temporary housing and 1,800 units of permanent housing.

But Carter’s September 2024 order has been on hold ever since the defendants asked the 9th Circuit Court of Appeals to review his decision.

Case returns to lower court

On Friday, more than two-thirds of the court’s 29 judges ruled against the VA’s petition for a rehearing.

“It's a historic day for veterans,” said Mark Rosenbaum, an attorney with Public Counsel representing the plaintiffs.

“The government has been fighting their veterans, who went to fight on behalf of the nation,” he added. “They've been fighting them like they are the enemy. They went to the district court to fight. They lost.”

Rosenbaum said he’s pleased to see the case return to Carter’s courtroom after a long appeals process. Carter, himself a Marine Corps veteran who served in the Vietnam War, took an active role in pushing the VA to address a homelessness crisis that has thousands of former service members experiencing homelessness on any given night in L.A. County.

Could the VA pursue further appeals? 

Carter has also ordered the VA to stop using veterans' disability payment benefits as a reason to make them ineligible for supportive housing programs due to income restrictions.

But Rob Reynolds, an Iraq War veteran who advocates for L.A.’s veteran community, said the federal government’s attempts to win an appeal could continue.

“The government can still appeal this to the U.S. Supreme Court,” Reynolds said.

When veterans involved in the case first heard today’s news on the 9th Circuit ruling, he said they immediately asked about the potential for further appeals.

“All of us are really hoping that the government stops this fight, and that we can get housing built for our veterans and end this madness once and for all,” Reynolds said.

A spokesperson for the VA declined to comment on the ruling, saying the department does not discuss pending litigation.

Jenny Yang, a comedian from L.A., has been traveling across the country turning immigrant grocery stores into comedy hubs. Now she’s back in L.A. getting ready to start a mini-residency in Highland Park, tape her first one-hour special and share moments from the tour.

Yang kicked off her Good Egg Immigrant Grocery Store Standup Comedy Tour in June in L.A., then took it to 15 cities across the country. She told LAist the decision came as a way to cope with the grief from her dad’s death, 10 failed in vitro fertilization treatments between 2020 and 2025 and seeing the news of Immigration and Customs Enforcement raids spread across the country.

She said the idea to tour grocery stores was a way to reclaim those spaces, after immigration enforcement left many afraid to go out and do simple tasks like buying groceries.

“If we cannot laugh in front of a wall of instant ramen around our bok choy," Yang said, "then what is the American dream for?"

Her routine wove in stories about her fertility struggles and the challenges of having to be a “good egg” growing up as the child of immigrant parents from Taiwan. Her hope for the tour was to connect with people, to make jokes and help people feel lighter after.

The tour proceeds went to local nonprofits serving immigrant communities, and Yang said those organizations helped recruit the grocery stores. She said some stores said no at first — they felt overwhelmed by ICE activity in their city, had lost staff or worried about drawing attention.

“That's part of the story of the tour is it's one thing to want to imagine this beautiful world where you can tell jokes inside of immigrant grocery stores," Yang said. "It's another thing to know what those obstacles are, and I think that's still very telling for where we are as a country.”

One moment stood out to Yang: performing at Shuang Hur Supermarket in Minneapolis. It’s near the memorial for Alex Pretti, the nurse that a U.S. Border Patrol agent shot and killed in January as federal agents carried out immigration enforcement in the city.

“I was able to talk to Henry, the owner who’s a Chinese American uncle. [He] was so proud of being able to help his regular patrons, who for the most part even though it was an Asian centered grocery store, were majority Latino,” Yang said. “I was able to bear witness to their resilience as a community, what they did to take care of each other.”

Now she’s back in L.A. and is doing a mini-residency at the Outside In Theater at 5317 York Blvd. in Highland Park. Her first show is 6 p.m., Saturday, Sept. 12, followed by shows on Sept. 19 and 26 at the same time. Tickets are pay-what-you-can, and you can find them at Outside In's website.

In February 2027, Yang will be taping her first one-hour special at Rancho Meat Market #1 in Lincoln Heights. She describes it as a love letter to Los Angeles that’s endured so much, from the ICE raids to the January fires.

You can follow Jenny Yang’s work here.