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News

New state insurance regulation would increase insurance availability in wildfire-distressed areas

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Written by: Lake County News reports
Published: 15 November 2024
A new state insurance regulation is aiming to bring more insurance coverage to areas of California that have been hard hit by wildland fires and, as a result, have seen customers receiving nonrenewals.

The California Department of Insurance has submitted the final wildfire catastrophe modeling regulation to the Office of Administrative Law, or OAL, for approval.

The regulation, which the agency said is the first of its kind in California’s history, strengthens Prop. 103 by establishing unprecedented coverage commitments from insurance companies, aimed at stabilizing the insurance market and expanding options for homeowners and business owners in high wildfire-risk areas.

The submission follows several months of extensive public input, expert consultations, and multiple public hearings and workshops held by the Insurance Department.

“Consumers want solutions to our state’s insurance crisis. My new regulation will make insurance more available across the state,” said Insurance Commissioner Ricardo Lara. “As California experiences more intense climate impacts, technology will tell us where the risks truly are and accurately price rates that reflect mitigation and hardening investments.”

“I appreciate Commissioner Lara for moving this forward,” Sen. Bill Dodd, D-Napa, said in response to the announcement. “It’s a complex problem and there isn’t a panacea, but this is one part of the equation that has the ability to help. It will be critical that insurance companies are held accountable towards renewing and writing new policies.”

Under Prop. 103, insurance companies are allowed to raise rates on homeowners, businesses and consumers, but are not legally required to offer coverage in wildfire-prone areas.

This new wildfire catastrophe modeling regulation, as part of Commissioner Lara’s comprehensive Sustainable Insurance Strategy, introduces a requirement for insurers to increase their policy offerings in underserved areas as a condition of incorporating catastrophe modeling into ratemaking.

Providing insurers the ability to better assess risk allows them to more accurately price insurance and make coverage more available to homeowners and businesses who live and operate in wildfire-prone areas all the while ensuring that insurance companies commit to increase their writings of these wildfire distressed properties across the state, the Department of Insurance reported.

In addition, over the past several years, California has invested billions of dollars in wildfire risk reduction and, under Commissioner Lara’s leadership, the Department has implemented several programs designed to reward homeowners and businesses for safety improvements, such as home hardening, property mitigation, and other fire-resistant modifications.

These programs are intended to align insurance practices with the state’s overall wildfire mitigation efforts and investments, which must also be incorporated into catastrophe models as part of this regulation.

The Sustainable Insurance Strategy has already led major insurers like Allstate and Farmers to announce plans to resume or expand their coverage offerings in California when its reforms take full effect.

Key highlights of the wildfire catastrophe modeling regulation include:

Expanded public engagement: The Insurance Department held three workshops and hearings in 2024, which were attended by more than 1,000 interested parties, gathering input and receiving hundreds of public comments which helped shape this regulation.

Increased coverage in high-risk areas: Insurance companies must increase the writing of comprehensive policies in wildfire distressed areas equivalent to no less than 85% of their statewide market share, whereas there is no current legal requirement for insurers to commit to providing any coverage in high-risk areas.

Incorporation of wildfire mitigation efforts: Building on Commissioner Lara’s “Safer from Wildfires” initiative — the nation’s first wildfire safety discount program — the regulation requires catastrophe models to account for mitigation efforts by homeowners, businesses, and communities, something not currently possible under existing outdated regulations today.

Enhanced model integrity: The Insurance Department is finalizing the hiring of a model advisor to examine model integrity, and ensure public review and compliance with Prop. 103.

Implementation timeline: Once approved by OAL, the regulation should take effect by year’s end, with the model review process set to begin on January 1, 2025.

In a parallel initiative, Commissioner Lara and Cal Poly Humboldt have established a strategy group to develop the nation’s first public wildfire catastrophe model.

This partnership with California’s research institutions is designed to create an accessible, science-based model for predicting wildfire risks, ultimately supporting fair and accurate insurance rates.

Expected to provide recommendations by April 2025, the group will further support California’s efforts to build safer communities and expand insurance options statewide.

By increasing insurance availability, the Insurance Department’s approach aims to achieve greater affordability and stability within California’s insurance and real estate markets.

The Insurance Department is on track to complete the regulatory reforms under Commissioner Lara’s comprehensive Sustainable Insurance Strategy by the end of 2024 in order to address current climate risks and increase insurance protection for California consumers.

The Insurance Department’s role includes regulating insurers to ensure accountability, confirm that claims are paid, and verify that consumers are not charged beyond what is necessary and fair.

Through the Insurance Department’s rate regulation experts, each and every rate application filed will be thoroughly reviewed to make sure they are compliant with insurance laws, justified and transparent under Prop. 103, and that consumers are protected.

The Office of Administrative Law is now reviewing the regulation for compliance and, once approved, it will become effective by the end of December.

Being bullied in high school can make teens less optimistic about the future

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Written by: Hannah L. Schacter, Wayne State University
Published: 15 November 2024

 

Bullying that leads to exclusion and damaged relationships can be particularly harmful. HRAUN/E+ via Getty Images

The effects of bullying on teens’ mental health are well-documented. But could bullying also shape their future aspirations?

Our latest research reveals that teens who are bullied in ninth grade become more pessimistic about their educational and career prospects beyond high school. Specifically, being bullied increases teens’ risk for depression, which leaves them feeling hopeless about the future.

As a developmental psychologist who studies adolescent well-being, I set out to better understand the long-term effects of bullying on teens’ expectations for the future. My research team recruited 388 high schoolers who had recently started ninth grade. We asked them to complete surveys every several months for three consecutive years.

Teens who reported being more frequently bullied by peers in ninth grade subsequently reported lower expectations for their future educational and career prospects by 11th grade. That is, bullied teens felt less confident in their ability to achieve their desired level of education, find enjoyable work and make enough money to support themselves after high school. Students who experienced more bullying in ninth grade were likely to see their future expectations drop by approximately eight percentile points, compared with peers who were not bullied. This drop remains significant even after accounting for factors such as race, gender, socioeconomic status and earlier expectations for academic achievement.

Interestingly, one type of bullying appeared to have an especially negative impact. Adolescents who experienced forms of peer victimization that involve exclusion – being deliberately ignored or left out of group activities – or who experienced damage to social relationships were the worst off. But adolescents who were the targets of overt victimization – such as hitting and kicking or threats and direct name-calling – did not report lower future expectations.

Why does bullying that affects teens’ relationships and social reputations dampen teens’ optimism for future success? We found that depression plays a role. Teens who experienced this kind of bullying in the ninth grade showed more depressive symptoms by 10th grade. Having greater depressive symptoms in 10th grade was associated with having lower future expectations a year later. Given that peers become increasingly important in adolescence, bullying that directly damages these relationships appears to be particularly insidious.

Why it matters

Past research shows that teens with negative future expectations are less likely to attend college and secure high-level jobs in adulthood. Our findings suggest that bullying at the beginning of high school may start a cycle of hopelessness and pessimism about later educational and career prospects. Investing in proven strategies to prevent bullying, such as programs that promote bystander intervention and offer targeted supports for victims, has already been shown to improve young people’s health and could also help break this cycle.

What’s next

We plan to conduct additional surveys with the young people who participated in our research as they transition to college and the workforce in the coming years. By doing so, we hope to identify the best ways to intervene to prevent bullying and its effects. Our ultimate goal is to ensure that all adolescents feel confident in their potential to thrive as adults.

The Research Brief is a short take on interesting academic work.The Conversation

Hannah L. Schacter, Assistant Professor of Psychology, Wayne State University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Clearlake Animal Control: ‘Oreo’ and the dogs

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Written by: Elizabeth Larson
Published: 15 November 2024
"Oreo." Photo courtesy of Clearlake Animal Control.


CLEARLAKE, Calif. — Clearlake Animal Control’s roundup of dogs this week includes canines of many breeds and sizes waiting for new homes.

The shelter has 50 adoptable dogs listed on its website.

This week’s dogs include “Oreo,” a 4-year-old male mixed breed dog with a beige, white and black coat.

The shelter is located at 6820 Old Highway 53. It’s open from 9 a.m. to 6 p.m. Tuesday through Saturday.

For more information, call the shelter at 707-762-6227, email This email address is being protected from spambots. You need JavaScript enabled to view it., visit Clearlake Animal Control on Facebook or on the city’s website.

This week’s adoptable dogs are featured below.

Email Elizabeth Larson at This email address is being protected from spambots. You need JavaScript enabled to view it.. Follow her on Twitter, @ERLarson, or Lake County News, @LakeCoNews.


Space News: NASA’s Swift studies gas-churning monster black holes

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Written by: Jeanette Kazmierczak
Published: 15 November 2024
A pair of monster black holes swirl in a cloud of gas in this artist’s concept of AT 2021hdr, a recurring outburst studied by NASA’s Neil Gehrels Swift Observatory and the Zwicky Transient Facility at Palomar Observatory in California. NASA/Aurore Simonnet (Sonoma State University).

Scientists using observations from NASA’s Neil Gehrels Swift Observatory have discovered, for the first time, the signal from a pair of monster black holes disrupting a cloud of gas in the center of a galaxy.

“It’s a very weird event, called AT 2021hdr, that keeps recurring every few months,” said Lorena Hernández-García, an astrophysicist at the Millennium Institute of Astrophysics, the Millennium Nucleus on Transversal Research and Technology to Explore Supermassive Black Holes, and University of Valparaíso in Chile. “We think that a gas cloud engulfed the black holes. As they orbit each other, the black holes interact with the cloud, perturbing and consuming its gas. This produces an oscillating pattern in the light from the system.”

A paper about AT 2021hdr, led by Hernández-García, was published Nov. 13 in the journal Astronomy and Astrophysics.

The dual black holes are in the center of a galaxy called 2MASX J21240027+3409114, located 1 billion light-years away in the northern constellation Cygnus. The pair are about 16 billion miles (26 billion kilometers) apart, close enough that light only takes a day to travel between them. Together they contain 40 million times the Sun’s mass.

Scientists estimate the black holes complete an orbit every 130 days and will collide and merge in approximately 70,000 years.

AT 2021hdr was first spotted in March 2021 by the Caltech-led ZTF (Zwicky Transient Facility) at the Palomar Observatory in California. It was flagged as a potentially interesting source by Automatic Learning for the Rapid Classification of Events, or ALeRCE.

This multidisciplinary team combines artificial intelligence tools with human expertise to report events in the night sky to the astronomical community using the mountains of data collected by survey programs like ZTF.

“Although this flare was originally thought to be a supernova, outbursts in 2022 made us think of other explanations,” said co-author Alejandra Muñoz-Arancibia, an ALeRCE team member and astrophysicist at the Millennium Institute of Astrophysics and the Center for Mathematical Modeling at the University of Chile. “Each subsequent event has helped us refine our model of what’s going on in the system.”

Since the first flare, ZTF has detected outbursts from AT 2021hdr every 60 to 90 days.

Hernández-García and her team have been observing the source with Swift since November 2022. Swift helped them determine that the binary produces oscillations in ultraviolet and X-ray light on the same time scales as ZTF sees them in the visible range.

The researchers conducted a Goldilocks-type elimination of different models to explain what they saw in the data.

Initially, they thought the signal could be the byproduct of normal activity in the galactic center. Then they considered whether a tidal disruption event — the destruction of a star that wandered too close to one of the black holes — could be the cause.

Finally, they settled on another possibility, the tidal disruption of a gas cloud, one that was bigger than the binary itself. When the cloud encountered the black holes, gravity ripped it apart, forming filaments around the pair, and friction started to heat it. The gas got particularly dense and hot close to the black holes. As the binary orbits, the complex interplay of forces ejects some of the gas from the system on each rotation. These interactions produce the fluctuating light Swift and ZTF observe.

Hernández-García and her team plan to continue observations of AT 2021hdr to better understand the system and improve their models. They’re also interested in studying its home galaxy, which is currently merging with another one nearby — an event first reported in their paper.

“As Swift approaches its 20th anniversary, it’s incredible to see all the new science it’s still helping the community accomplish,” said S. Bradley Cenko, Swift’s principal investigator at NASA’s Goddard Space Flight Center in Greenbelt, Maryland. “There’s still so much it has left to teach us about our ever-changing cosmos.”

NASA’s missions are part of a growing, worldwide network watching for changes in the sky to solve mysteries of how the universe works.

Goddard manages the Swift mission in collaboration with Penn State, the Los Alamos National Laboratory in New Mexico, and Northrop Grumman Space Systems in Dulles, Virginia. Other partners include the University of Leicester and Mullard Space Science Laboratory in the United Kingdom, Brera Observatory in Italy, and the Italian Space Agency.

Jeanette Kazmierczak works for NASA’s Goddard Space Flight Center in Greenbelt, Maryland.
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