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California Pushes Insurers to Cover More Homes in These Areas. Is Your ZIP Included?

SACRAMENTO OBSERVER — The Insurance Department proposed three different pathways for insurers to meet minimum requirements for writing policies in areas deemed “high risk” or “very high risk” by Cal Fire. Regulators said this hybrid approach takes into account the state’s complex geography as well as the different levels of risk big and small insurers can afford to assume.
The post California Pushes Insurers to Cover More Homes in These Areas. Is Your ZIP Included? first appeared on BlackPressUSA.

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By Levi Sumagaysay, Calmatters | Sacramento Observer

California Insurance Commissioner Ricardo Lara unveiled today an effort to force insurers to resume writing policies in high-fire-risk areas — part of an overall plan to address the state’s insurance crisis.

The Insurance Department proposed three different pathways for insurers to meet minimum requirements for writing policies in areas deemed “high risk” or “very high risk” by Cal Fire. Regulators said this hybrid approach takes into account the state’s complex geography as well as the different levels of risk big and small insurers can afford to assume. Lara said this should help homeowners who have lost coverage or been forced to turn to the last-resort FAIR Plan.

Insurance companies will have these options:

  • Write 85% of their statewide market share in high-risk areas. The department explains it this way: “If a company writes 20 out of 100 homes statewide, it must write 17 out of 100 homes in a distressed area.”
  • Achieve one-time 5% growth in the number of policies they write in high-risk areas.
  • Expand their number of policies 5% by taking people out of the FAIR Plan, which has been growing exponentially.

The department also released a map that shows where wildfire risk and FAIR Plan policies are concentrated, as well as a list of counties and ZIP codes of high-risk areas, that correspond with the requirements. Regulators will update these areas at least once a year.

The proposed options aren’t technically requirements, because the state cannot legally require insurers to write either homeowner or commercial property policies. But the state expects insurers to comply because failure to do so would mean insurers would not be able to take advantage of something they’ve lobbied for long and hard: catastrophe modeling.

Lara unveiled the first part of his plan to allow for catastrophe modeling in March; this is the second part of that plan. Catastrophe modeling takes into account historical data and combines that with projected risk and losses — something insurers have been able to do in every other U.S. state but California. Insurers will be able to use it here once Lara’s overall plan takes effect as promised at the end of the year.

Today’s announcement made clear what the companies will have to do in return.

“Insurance companies need to commit to writing more policies and my department will need to verify those commitments and hold them accountable,” Lara told reporters this morning. When they submit rate reviews, insurers will state which of the pathways they choose. If they don’t fulfill the requirements of that pathway, “my department will use its law enforcement authority and reconsider rate reviews,” the commissioner said.

Lara’s staff said they established the requirements for minimum coverage in distressed areas after talking with different stakeholders, including insurance companies that said the requirements were achievable.

Insurance industry representatives and Consumer Watchdog said they were still looking over the details of the Insurance Department’s draft regulations.

The post California Pushes Insurers to Cover More Homes in These Areas. Is Your ZIP Included? first appeared on BlackPressUSA.

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IN MEMORIAM: Rest in Power — Minnesota Loses a True Warrior in Yusef Mgeni

MINNESOTA SPOKESMAN RECORDER — Yusef Mgeni, a brilliant historian, community organizer, former St. Paul educator and fierce advocate for Black people, died on April 7, 2026, leaving behind a legacy that will echo through generations of Black Minnesota history and community building.

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By MSR News Online

Minnesota and the world lost a powerful voice and a true warrior on April 7, 2026. Yusef Mgeni is gone, but his legacy will echo for generations.

Yusef was a brilliant historian, a community organizer, a former St. Paul educator, and a fierce advocate for Black people. He carried with him an extraordinary archive of speeches, books, articles, and photographs documenting the work of countless Black scholars and leaders. His knowledge was not just deep. It was generational. Talk to him about any subject concerning Black history, and he would give you a dissertation.

His roots in this community ran deeper than most people knew. Yusef was the grandnephew of Fredrick McGhee, the pioneering 20th-century civil rights activist and attorney who made his mark in St. Paul at the turn of the century. That lineage was not lost on Yusef. He carried it forward with pride and purpose, spending decades making sure the stories of Black Minnesotans were told, preserved, and passed on.

As a journalist, Yusef called NAACP leaders and community figures to identify the issues that mattered most to Black people and wrote about them in local newspapers. He was a contributor to the Minnesota Spokesman-Recorder, a platform he understood and respected deeply. As a former St. Paul NAACP vice president, he remained active and engaged well into his retirement, answering emails and voicemails for residents who were at their wits’ end, helping them navigate evictions, legal challenges, and systemic barriers.

“Generally, they contact us when they are at their wits’ end,” he once said. “They are going to get evicted; their car is getting repossessed. We assist in navigating the system.”

His work was always about access. Under his leadership and alongside other NAACP leaders, the St. Paul chapter helped establish a landmark covenant between the police and the St. Paul community in 2001, a model that contributed to dramatically lower excessive-force costs than in Minneapolis in the decade that followed.

Yusef was also a passionate champion of ethnic studies in Minnesota’s schools, understanding that education rooted in Black and Brown history was not a supplement to American history but central to it.

“Ethnic studies is also American history,” he said. “The fact that the legislature and the MDE have both endorsed ethnic studies requirements in schools is a real plus for giving people the opportunity to explore and learn more about American history, and more importantly, to see themselves reflected in that learning.”

In the 1970s and ’80s, Yusef worked alongside Mrs. Clarissa Walker at the Sabathani Community Center, where they poured their energy into uplifting and empowering the community. Their work helped shape the cultural and political landscape of South Minneapolis during a critical era. They were part of a generation that built institutions, nurtured young people, and fought for justice with unwavering commitment.

Yusef also played a key role in the early development of KMOJ Radio, helping to establish a platform that amplified Black voices long before it was common or convenient. His activism extended through education, the St. Paul NAACP, the Million Man March, and the Urban Coalition, always rooted in a deep and abiding love for his people.

He was also an interviewee in the Rondo neighborhood oral history project preserved by the Minnesota Historical Society, ensuring that the voices and stories of that community would never be lost.

Not long ago, a colleague was blessed to sit with Yusef at his home, where he reflected on his life and his legacy. He talked about his work in education, his activism, and his years of service to the community. But what stood out just as much was how he spoke about his family and his people, with warmth, with pride, and with purpose.

Today, we honor him not only for what he accomplished but for the spirit with which he did it.

A scholar. A builder. A warrior. A keeper of our stories.

Thank you, Yusef, for everything you gave and everything you sacrificed on behalf of Black people. Your legacy stands tall, and our community is better because of you.

Rest in Power, Yusef Mgeni.

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Revolve Fund to Provide $20,000 to Support Food Access Efforts in Alabama Black Belt

THE AFRO — “Revolve Fund complements its core mission of improving capital access for entrepreneurs by partnering with leading organizations that are addressing critical community needs,” said James Wahls, founder and managing director of Revolve Fund. “Like BBCF, Revolve understands at the most fundamental level, everyone should have access to healthy food.” 

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By Revolve Fund | The AFRO

SELMA – As over 40 million Americans grappled with the reality of not being able to feed themselves or their families due to SNAP delays, Revolve Fund is seeking to help. Revolve Fund has announced a $20,000 community grant to the Black Belt Community Foundation as part of the duo’s continued partnership. The grant will increase the foundation’s capacity to execute programs and fundraise to support food access efforts in the Alabama Black Belt region.

“Revolve Fund complements its core mission of improving capital access for entrepreneurs by partnering with leading organizations that are addressing critical community needs,” said James Wahls, founder and managing director of Revolve Fund. “Like BBCF, Revolve understands at the most fundamental level, everyone should have access to healthy food.”

“BBCF is deeply grateful for the Revolve Fund’s grant to underwrite direct food support in the Black Belt during the current disruption of SNAP benefits, continuing high food costs and unprecedented strain on our local food banks,” said Christopher Spencer, president and CEO, Black Belt Community Foundation. “As BBCF mobilizes resources and community partners during this time, Revolve is one of the first philanthropic organizations to step forward to support our Food for Families in the Black Belt Campaign. We look ahead to our productive, continued partnership with them to positively impact and transform the Black Belt region of Alabama.”

“While our communities need and deserve so much more, we hope our contribution will support the foundation’s ability to work with other philanthropic partners, individual donors, charities, and public partners,” Wahls added.

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Mamdani Plans City Grocery Store in East Harlem 

NEW YORK CARIB NEWS — The store will be located at La Marqueta, a historic marketplace beneath the elevated Park Avenue tracks. The project is expected to cost approximately $30 million and is slated to open next year, utilizing currently vacant space within the city-owned facility. Operating rent-free, officials say the model is intended to lower overhead and pass savings on to consumers.

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New York Carib News

New York City Mayor Zohran Mamdani has announced plans to establish the city’s first municipally owned grocery store in East Harlem, a flagship initiative aimed at addressing rising food costs and improving access to affordable essentials.

The store will be located at La Marqueta, a historic marketplace beneath the elevated Park Avenue tracks. The project is expected to cost approximately $30 million and is slated to open next year, utilizing currently vacant space within the city-owned facility. Operating rent-free, officials say the model is intended to lower overhead and pass savings on to consumers.

Mamdani unveiled the plan during an event marking his first 100 days in office, reaffirming a campaign pledge to build a network of five city-owned grocery stores, one in each borough, by the end of his first term in 2029.

“During our campaign, we promised New Yorkers that we would create a network of five city-owned grocery stores,” Mamdani said. “Today, we make good on that promise.”

The mayor positioned the initiative as a direct response to surging grocery prices, noting that food costs in New York City rose by nearly 66% between 2013 and 2023, significantly outpacing the national average. He argued that the city-run stores would provide fair pricing, improve worker conditions, and ease the financial burden on low-income households.

“We’re going to make it easier for New Yorkers to put food on the table,” Mamdani said, adding that staples such as eggs and bread would be more affordable.

However, the proposal is already drawing scrutiny. The estimated cost of the East Harlem store would consume nearly half of the $70 million budget initially outlined for the entire five-store program. Despite this, Mamdani remains confident that the initiative will deliver long-term benefits and help reshape access to affordable groceries across the city.

The announcement also drew political attention, with U.S. Senator Bernie Sanders making a surprise appearance at the event in support of the mayor’s broader economic agenda.

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